Compare Watertown Town, MA Car Insurance Rates (2021)

Car insurance in Watertown Town, MA averages $272 a month. Watertown Town, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Watertown Town car insurance rates, compare quotes from the top car insurance companies in Watertown Town, MA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Watertown Town, MA after a DUI are $4,000/year
  • Average car insurance rates in Watertown Town, MA are $3,261/year
  • The cheapest car insurance company in Watertown Town is State Farm

If you need to buy Watertown Town, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Watertown Town, MA is right here.

You’ll find Watertown Town car insurance rates, the cheapest Watertown Town, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Watertown Town, Massachusetts car insurance rates to Lynn car insurance rates, New Bedford car insurance rates, and Cambridge car insurance rates.

Ready to find affordable Watertown Town, MA car insurance today? Enter your ZIP code for fast, free Watertown Town car insurance quotes.

Cheapest Watertown Town, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Watertown Town, MA car insurance rates? Every Watertown Town, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Watertown Town, Massachusetts

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 $2,361 $2,361 $2,361 $2,361 $8,274 $8,274 $2,647 $2,647
GEICO $1,950 $1,950 $1,806 $1,806 $5,557 $5,557 $2,014 $2,014
Liberty Mutual $3,009 $3,009 $2,622 $2,622 $9,767 $9,767 $3,149 $3,149
Progressive $2,411 $2,411 $2,312 $2,312 $9,110 $9,110 $2,607 $2,607
State Farm $1,074 $1,074 $1,074 $1,074 $3,127 $3,127 $1,074 $1,074
Travelers $2,943 $2,943 $2,603 $2,603 $6,074 $6,074 $3,277 $3,277
USAA $1,492 $1,492 $1,470 $1,470 $3,499 $3,499 $1,649 $1,649

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Minimum Car Insurance in Watertown Town, MA

Every driver must carry the minimum car insurance in Watertown Town, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car Insurance Coverage in Watertown Town, Massachusetts

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 Watertown Town, 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 Watertown Town, MA to rates for a clean record with top companies.

Annual Watertown Town, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,022 $4,517 $5,083 $3,022
GEICO $2,268 $3,114 $3,554 $2,391
Liberty Mutual $3,655 $4,990 $5,999 $3,903
Progressive $3,447 $4,869 $3,862 $4,262
State Farm $1,260 $1,712 $2,030 $1,348
Travelers $2,897 $4,023 $4,290 $3,687
USAA $1,442 $1,874 $3,181 $1,613

Cheapest Watertown Town, MA Car Insurance for Teen Drivers

Teen car insurance in Watertown Town, MA can be expensive. Take a look at rates from the top car insurance companies in Watertown Town for teenagers.

Annual Car Insurance Rates for Teen Drivers in Watertown Town, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,274 $8,274
GEICO $5,557 $5,557
Liberty Mutual $9,767 $9,767
Progressive $9,110 $9,110
State Farm $3,127 $3,127
Travelers $6,074 $6,074
USAA $3,499 $3,499

Cheapest Watertown Town, MA Car Insurance for Seniors

Take a look at Watertown Town, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Watertown Town, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,361 $2,361
GEICO $1,806 $1,806
Liberty Mutual $2,622 $2,622
Progressive $2,312 $2,312
State Farm $1,074 $1,074
Travelers $2,603 $2,603
USAA $1,470 $1,470

Cheapest Watertown Town, MA Car Insurance Rates After a DUI

A DUI in Watertown Town, MA increases car insurance rates. Compare Watertown Town, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Watertown Town, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,083
GEICO $3,554
Liberty Mutual $5,999
Progressive $3,862
State Farm $2,030
Travelers $4,290
USAA $3,181

Cheapest Watertown Town, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Watertown Town, MA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Watertown Town, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,783 $4,039
GEICO $2,779 $2,885
Liberty Mutual $4,455 $4,819
Progressive $4,110 $4,110
State Farm $1,549 $1,626
Travelers $3,549 $3,899
USAA $1,972 $2,084

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The Best Cheap Car Insurance Companies in Watertown Town, MA

Take a look at a side-by-side comparison of the top car insurance companies in Watertown Town, MA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Watertown Town, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,911
GEICO $2,832
Liberty Mutual $4,637
Progressive $4,110
State Farm $1,587
Travelers $3,724
USAA $2,028

Category Winners: Cheapest Car Insurance in Watertown Town, Massachusetts

Find the cheapest car insurance companies in Watertown Town, MA for each category right here.

Best Annual Car Insurance Rates by Company in Watertown Town, Massachusetts

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 Watertown Town, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Watertown Town car insurance rates. Find the cheapest Watertown Town, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Watertown Town, Massachusetts

Insurance Company Low Medium High
Allstate $3,607 $3,978 $4,148
GEICO $2,607 $2,884 $3,004
Liberty Mutual $4,333 $4,697 $4,880
Progressive $3,775 $4,179 $4,376
State Farm $1,433 $1,615 $1,714
Travelers $3,356 $3,806 $4,012
USAA $1,879 $2,062 $2,142

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What affects car insurance rates in Watertown Town, Massachusetts?

What factors can have an impact on Watertown Town, MA car insurance? There are several reasons why Watertown Town car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Watertown Town, Massachusetts.

Commute Time in Watertown Town

The more time you spend in your car the higher the risk of an accident. The average commute length in Watertown Town, MA is 28.0 minutes according to City-Data.

Compare Car Insurance Quotes in Watertown Town, MA

Ready to find affordable Watertown Town, Massachusetts car insurance today? Enter your ZIP code for fast, free Watertown Town, MA car insurance quotes.

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