Westfield Car Insurance

Everything You Need to Know About Car Insurance in Westfield

Find the right car insurance policy for you.

Westfield has a long-standing history as a friendly town in the pioneer valley of western Massachusetts. From the early 19th century, Westfield, MA has been a prominent center for industry, and it’s still known as “Whip City” for its historic production of buggy whips. Today, the city remains a vibrant place to live and work in, with a steady influx of tourists eager to see the beautiful river valley. With so much traffic flowing in and out of the area, make sure you’re covered with the best Westfield car insurance.

Our Independent Insurance Agents take the guesswork out of shopping for auto insurance in Westfield. Our friendly agents can help you navigate the maze of coverages and find a policy that is best suited for your unique lifestyle and budget. When you work with an independent insurance agent, you’ll get one-on-one support from a caring expert who knows auto insurance inside and out.

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

Massachusetts’s high auto insurance rates leave many drivers feeling frustrated. Luckily, you can save on your premium by comparing rates. Our Independent Insurance Agents offer quotes on multiple policies, giving you a chance to compare cost and coverage benefits so that you can find a plan that works for your budget. Ultimately, your premiums depend on your individual situation and factors like your age, the kind of car you drive and your recent accident history. 

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

According to the state laws in Massachusetts, every driver is required to have car insurance. Before you head out on Westfield highways, you need a minimum coverage of $20,000 for personal injury protection, $40,000 for bodily injury liability and $5,000 for property damage liability. These minimums act as a jumping off point to help you find adequate coverage. In many cases, Westfield drivers opt to buy additional coverage to protect against the growing costs associated with auto accidents.

Number of Uninsured Motorists in Massachusetts

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

Even though Massachusetts requires drivers to have car insurance, there are still many uninsured drivers on the roads. If one of them hits you, you have to pay to repair your car and pay for any related medical care out of pocket. This frustrating problem has led many Westfield drivers to seek out uninsured motorist coverage. This policy option protects you if you wind up in an accident and the party at fault doesn’t have car insurance.

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

Even though Westfield is generally known as a safe community, crime isn’t unheard of. Auto theft in particular poses a major threat to local drivers, and it’s something everyone has to stop and consider. Make sure you choose a car insurance policy that includes coverage for auto theft. Our Independent Insurance Agents can guide you toward an auto insurance plan that protects you and compensates you for your losses if your car gets stolen.

Find a Great Westfield Car Insurance Policy

If you’re searching for the best Westfield auto insurance, turn to our friendly Independent Insurance Agents for help. Our knowledgeable agents can walk you through your coverage options, explain the benefits and provide you with free rate quotes on multiple policies. With an experienced agent on your side, you can easily find affordable car insurance you can count on for peace of mind every time you hit the road. 

Contact an agent today for a free quote on car insurance in Westfield.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn