Somerville Car Insurance
Somerville is only two miles northwest of Boston Massachusetts. Because this city is one of the most densely populated municipalities in the nation, places to put cars are very precious.
A parking place in Somerville can exceed the cost of car insurance.
Fortunately, licensed drivers enjoy relatively low car insurance rates in Somerville. The reliability of public transportation and the high cost of car parking cause a number of licensed drivers in this town to opt out of car ownership.
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The remaining drivers who must have car ownership are required to carry at least minimum liability coverage in order to be licensed.
Minimum Legal Liability Car Insurance for Licensed Drivers in Somerville
The state of Massachusetts has minimum limits of auto insurance coverage that car drivers must purchase to drive legally. Those limits include:
- $20,000.00 per person and $40,000.00 per accident for bodily injury
- $8,000.00 per injury and per accident for personal injury protection
- $20,000.00 per person and $40,000.00 per accident for bodily injury caused by uninsured or underinsured motorist
- $5,000.00 for property damage
Minimum legal liability car insurance does not pay for damages to insured drivers. Minimum legal coverage protects other drivers and permits the insured to be legally licensed to drive.
Insurance Scenarios for Real Drivers in Somerville
Jason, age 22, works for the City of Somerville and lives in an apartment. He also attends school part-time at nearby Bunker Hill Community College.
Jason drives a 2008 Honda Civic and carries a basic level insurance policy. Basic level is an upgrade from the minimum legal liability requirement and gives Jason some coverage in the event of a car accident as well as liability for damage to other drivers.
Jason got his driver’s license on his 16th birthday, so even though he is very young, he has 6 years of driving experience with no accidents or citations.
Basic Level Car Insurance
Basic car insurance includes:
- $50,000.00 per person and $100,000.00 per accident to cover bodily injury
- $25,000.00 to pay for property damage
- $50,000.00 per person and $100,000.00 per accident for bodily injury caused by uninsured or underinsured motorist
- $25,000.00 for property damage caused by uninsured or under insured motorist
- $50.00 towing allowance
Basic level coverage requires a $500.00 deductible.
In Somerville, Massachusetts, the following insurance companies will provide basic level coverage to Jason at these monthly payments:
- Arbella - $78.00
- Commerce - $89.00
- Safety Insurance Company - $92.00
- Amica - $108.00
- Met Life - $113.00
- Liberty Mutual - $115.00
- Hanover - $133.00
- Travelers - $134.00
- Progressive - $154
- Plymouth Rock - $206.00
Sarah, age 30, drives a 2008 Honda Civic similar to Jason’s. Sarah is able to get basic level coverage in Somerville for the monthly payments listed below:
- Arbella - $78.00
- Commerce - $82.00
- Hanover - $87.00
- Amica - $90.00
- Safety Insurance Company - $92.00
- Travelers - $96.00
- Progressive - $100.00
- Met Life - $105.00
- Liberty Mutual - $115.00
- Plymouth Rock - $176.00
James is 28 and married to Rose who is 30. They own a 2008 Ford Explorer and a 2005 Nissan Altima. Both drivers need vehicles because of their jobs and their annual mileage is higher than average at between 15,000 and 20,000 per year.
James was involved in an at-fault accident less than one year ago and Rose received a speeding ticket 6 months ago. Although they would prefer a higher level of coverage, they can only afford a basic level policy.
In Somerville, their monthly payments would be as shown below:
- Hanover - $189.00
- Amica – 200.00
- Arbella - $205.00
- Commerce - $209.00
- Safety Insurance Company - $225.00
- Progressive - $235.00
- Liberty Mutual - $282.00
- Travelers - $309.00
- Plymouth Rock - $603.00
Larry is 38 years old and a condominium owner. He was the driver in an at-fault accident in February of 2013.
Extended Level Coverage
Larry chooses extended level coverage because he wants to protect his condominium equity from any potential lawsuit. Extended level coverage gives Larry the protections and benefits listed below:
- $100,000.00 per person and $300,000.00 per accident for bodily injury
- $50,000.00 per accident for property damage
- $100,000.00 per person and $300,000.00 per accident for bodily injury caused by uninsured or underinsured motorist
- $50,000.00 for property damage caused by uninsured or under insured motorist
- $75.00 towing allowance
- $600.00 rental car allowance
Extended level requires a $500.00 deductible payment.
As a licensed driver living in Somerville, Larry has the following options with the monthly payments listed below:
- Hanover - $157.00
- Progressive - $157.00
- Amica - $164.00
- Safety Insurance Company - $178.00
- Commerce - $209.00
- Liberty Mutual - $220.00
- Travelers - $237.00
- Arbella - $254.00
- Plymouth Rock - $448.00
Steve and Rhonda are experienced drivers in their 40's with a teenage son who just received his driver’s license.
Rhonda received a speeding ticket last May. Steve drives a 2011 Toyota Camry and Rhonda’s car is a 2008 Honda Odyssey. For both cars and all three drivers, insurance agencies in Somerville will give this family an extended level policy for the following monthly payments:
- Hanover - $134.00
- Travelers - $209.00
- Progressive - $294.00
- Safety Insurance Company - $305.00
- Amica - $314.00
- Liberty Mutual - $412.00
- Commerce - $415.00
- Arbella -$435.00
- Plymouth Rock -$865.00
Claude and Edith have both been driving for more than 50 years and have not had an accident or a citation for at least 15 years. They have only one vehicle between the two of them which is a 2012 Toyota Prius.
Because Claude and Edith have several rental homes and a stock portfolio, they carry a premium level policy to protect their assets. A premium level policy delivers the benefits and protections listed.
Premium Level Policy
$250,000.00 for an individual and $500,000 per incident for bodily injury.
- $100,000.00 for property damage
- $250,000.00 for an individual and $500,000 per incident for bodily injury caused by uninsured and underinsured motorists
- $100,000.00 for property damage that is caused by uninsured or under insured motorists.
- $75.00 for towing
- $900.00 for a rental car
- Full glass coverage
- Full Glass Coverage
Premium level coverage requires a deductible payment of $250.00
Claude and Edith could get premium level coverage for the monthly payments listed.
- Commerce - $32.00
- Hanover - $35.00
- Liberty Mutual - $47.00
- Safety Insurance Company - $51.00
- Arbella - $53.00
- Met Life - $55.00
- Amica - $63.00
- Progressive - $71.00
- Travelers - $77.00
- Plymouth Rock - $84.00
Somerville drivers, as in almost all U.S. cities, enjoy the services and benefits of multiple insurance companies competing with one another for business.
Those who do their research will find that certain providers are far better than others when it comes to prices for different driver characteristics.
For example, a newer and less experienced driver like Jason will find the best price for basic coverage with the Arbella Company, but a household of drivers with multiple vehicles would discover that Arbella is one of the more expensive insurance providers for their needs.
It is not possible to know the best available insurance prices without regular research.
You can do your research now by simply entering your zip code below! Receive quotes from multiple companies in your area and compare prices to find the best plan for you!