Salem Car Insurance

Everything You Need to Know About Car Insurance in Salem

Find the right car insurance policy for you.

Salem, MA is well known as one of the most significant seaports in New England history. Tourists come from around the world to see the place responsible for the famous Salem Witch Trials of 1692. In fact, more than a million tourists visit the city every year. With so much traffic circulating in and out of the city, every driver needs the protection of a reliable Salem car insurance policy. Our Independent Insurance Agents specialize in helping Salem drivers find the best coverage options at affordable prices. Our friendly agents will help you navigate the maze of car insurance and find a policy that gives you peace of mind every time you get behind the wheel.

  • National average cost per year: $1,311
  • Massachusetts average cost per year: $1,460
  • #16 most expensive auto premium in the U.S.

Car insurance can get expensive, particularly in Massachusetts, but you don’t have to resign yourself to paying high rates. Our Independent Insurance Agents help Salem drivers save on auto insurance by offering quotes on multiple policies. With a wide network of coverages to pull from, our agents have a high success rate in matching drivers with budget-friendly car insurance options.

Massachusetts Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 20/40/5

Did you know that it’s actually against the law to drive in Massachusetts without car insurance? With so much traffic flowing across the state every day, lawmakers have mandated that every driver have minimum coverage of $20,000 for personal injury protection, $40,000 for bodily injury liability and $5,000 for property damage liability. Keep in mind that these amounts are a starting point. You always have the option to purchase additional coverage, and it’s oftentimes a smart idea. If you get into a wreck and the costs exceed your coverage, you’ll wind up paying the rest out of pocket. Investing in more coverage might cost a little more upfront, but it pays off in big dividends in the long run.

Number of Uninsured Motorists in Massachusetts

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Massachusetts drivers: 3.9%

Despite laws that require Salem drivers to be insured, many still get behind the wheel without coverage. This puts everyone on the roadway at risk. Imagine how frustrating it would be to get hit by a driver without insurance. Suddenly you need to fix your car and maybe even pay for medical care, and you have to pay it all out of pocket thanks to a driver who wasn’t following the rules. Many drivers in Salem opt to add on uninsured motorist coverage just to protect from this scenario. With this type of policy, you always have peace of mind that you are covered regardless of who causes an accident.

Number of Auto Thefts in Massachusetts

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Massachusetts: 1.91

Salem is a destination of choice among tourists in New England, and with the steady influx of strangers comes a higher risk for crime. Car theft, in particular, is a growing concern and a source of great frustration for local drivers. If you’re worried about auto theft, take time to make sure your auto insurance covers stolen vehicles. Our Independent Insurance Agents can help you find a comprehensive car insurance plan that includes coverage for auto theft.

Find a Great Salem Car Insurance Policy

Shopping for auto insurance doesn’t have to be complicated. In fact, our Independent Insurance Agents make the whole process easy from start to finish. Our friendly agents offer one-on-one support, answers to your questions and multiple rate quotes at no charge. With an experienced independent insurance agent on your side, you are sure to find a policy you can depend on every time you get behind the wheel. 

If you’re ready to find the best Salem auto insurance, contact an agent for a free quote today.

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