Compare Saugus, MA Car Insurance Rates [2024]
Car insurance in Saugus, MA averages $322 a month. Saugus, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Saugus car insurance rates, compare quotes from the top car insurance companies in Saugus, MA.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Saugus for teen drivers is State Farm
- The cheapest car insurance company in Saugus is State Farm
- Average car insurance rates in Saugus, MA are $3,860/year
If you need to buy Saugus, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Saugus, MA is right here.
You’ll find Saugus car insurance rates, the cheapest Saugus, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Saugus, Massachusetts car insurance rates to Quincy car insurance rates, Cambridge car insurance rates, and Lynn car insurance rates.
Ready to find affordable Saugus, MA car insurance today? Enter your ZIP code for fast, free Saugus car insurance quotes.
Cheapest Saugus, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Saugus, MA car insurance rates? Every Saugus, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,063 | $3,063 | $3,063 | $3,063 | $9,177 | $9,177 | $3,446 | $3,446 |
| Geico | $2,520 | $2,520 | $2,344 | $2,344 | $6,533 | $6,533 | $2,603 | $2,603 |
| Liberty Mutual | $3,562 | $3,562 | $3,101 | $3,101 | $9,922 | $9,922 | $3,727 | $3,727 |
| Progressive | $2,933 | $2,933 | $2,818 | $2,818 | $11,399 | $11,399 | $3,176 | $3,176 |
| State Farm | $1,205 | $1,205 | $1,205 | $1,205 | $3,081 | $3,081 | $1,205 | $1,205 |
| Travelers | $3,614 | $3,614 | $3,177 | $3,177 | $7,503 | $7,503 | $4,022 | $4,022 |
| USAA | $1,775 | $1,775 | $1,748 | $1,748 | $4,199 | $4,199 | $1,964 | $1,964 |
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Minimum Car Insurance in Saugus, MA
Every driver must carry the minimum car insurance in Saugus, MA. Take a look at the Massachusetts car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Saugus, MA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Saugus, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,595 | $5,437 | $6,122 | $3,595 |
| Geico | $2,789 | $3,859 | $4,401 | $2,950 |
| Liberty Mutual | $3,973 | $5,481 | $6,591 | $4,267 |
| Progressive | $4,254 | $6,037 | $4,768 | $5,267 |
| State Farm | $1,319 | $1,809 | $2,151 | $1,417 |
| Travelers | $3,543 | $4,947 | $5,294 | $4,531 |
| USAA | $1,716 | $2,237 | $3,810 | $1,922 |
Cheapest Saugus, MA Car Insurance for Teen Drivers
Teen car insurance in Saugus, MA can be expensive. Take a look at rates from the top car insurance companies in Saugus for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,177 | $9,177 |
| Geico | $6,533 | $6,533 |
| Liberty Mutual | $9,922 | $9,922 |
| Progressive | $11,399 | $11,399 |
| State Farm | $3,081 | $3,081 |
| Travelers | $7,503 | $7,503 |
| USAA | $4,199 | $4,199 |
Cheapest Saugus, MA Car Insurance for Seniors
Take a look at Saugus, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,063 | $3,063 |
| Geico | $2,344 | $2,344 |
| Liberty Mutual | $3,101 | $3,101 |
| Progressive | $2,818 | $2,818 |
| State Farm | $1,205 | $1,205 |
| Travelers | $3,177 | $3,177 |
| USAA | $1,748 | $1,748 |
Cheapest Saugus, MA Car Insurance Rates After a DUI
A DUI in Saugus, MA increases car insurance rates. Compare Saugus, Massachusetts DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,122 |
| Geico | $4,401 |
| Liberty Mutual | $6,591 |
| Progressive | $4,768 |
| State Farm | $2,151 |
| Travelers | $5,294 |
| USAA | $3,810 |
Cheapest Saugus, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Saugus, MA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,534 | $4,841 |
| Geico | $3,432 | $3,568 |
| Liberty Mutual | $4,880 | $5,276 |
| Progressive | $5,082 | $5,082 |
| State Farm | $1,635 | $1,713 |
| Travelers | $4,357 | $4,801 |
| USAA | $2,354 | $2,489 |
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The Best Cheap Car Insurance Companies in Saugus, MA
Take a look at a side-by-side comparison of the top car insurance companies in Saugus, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,687 |
| Geico | $3,500 |
| Liberty Mutual | $5,078 |
| Progressive | $5,082 |
| State Farm | $1,674 |
| Travelers | $4,579 |
| USAA | $2,421 |
Category Winners: Cheapest Car Insurance in Saugus, Massachusetts
Find the cheapest car insurance companies in Saugus, MA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Saugus, MA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Saugus car insurance rates. Find the cheapest Saugus, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,332 | $4,763 | $4,968 |
| Geico | $3,215 | $3,563 | $3,721 |
| Liberty Mutual | $4,736 | $5,146 | $5,352 |
| Progressive | $4,631 | $5,180 | $5,434 |
| State Farm | $1,517 | $1,704 | $1,801 |
| Travelers | $4,122 | $4,675 | $4,939 |
| USAA | $2,243 | $2,461 | $2,560 |
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What affects car insurance rates in Saugus, Massachusetts?
What factors can have an impact on Saugus, MA car insurance? There are several reasons why Saugus car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Saugus, Massachusetts.
Commute Time in Saugus
The more time you spend in your car the higher the risk of an accident. The average commute length in Saugus, MA is 32.1 minutes according to City-Data.
Compare Car Insurance Quotes in Saugus, MA
Ready to find affordable Saugus, Massachusetts car insurance today? Enter your ZIP code for fast, free Saugus, MA car insurance quotes.
Frequently Asked Questions
What are the minimum car insurance requirements in Saugus, MA?
The minimum car insurance requirements in Saugus, MA are 20/40/5, which means you need to have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
How does my driving record affect my car insurance rates in Saugus, MA?
Your driving record is a significant factor in determining car insurance rates in Saugus, MA. Having a clean driving record can lead to lower rates, while a history of accidents or traffic violations may result in higher premiums.
Is full coverage insurance necessary if my car is financed in Saugus, MA?
If your car is financed, most lenders will require you to have full coverage insurance, which includes comprehensive and collision coverage in addition to liability coverage. This helps protect the lender’s investment in case of damage or loss to the vehicle.
How can I find cheap car insurance rates in Saugus, MA?
To find cheap car insurance rates in Saugus, MA, it’s recommended to compare quotes from multiple insurance companies. By shopping around and comparing different offers, you can find the most affordable option that meets your coverage needs.
What factors can affect car insurance rates in Saugus, MA?
Several factors can affect car insurance rates in Saugus, MA, including your age, gender, marital status, driving record, the type of vehicle you drive, and the coverage options you choose. Additionally, factors like the length of your commute and your credit history may also be considered by insurance companies.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.