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Get Cheap Car Insurance in 02125, MA

We monitor insurance prices, helping the average driver in 02125 save up to 35.5% on car insurance.

 

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The Cheapest Minimum Coverage in 02125

The chart below shows the cheapest car insurance company in 02125 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.

 
02125 Insurer Monthly Cost
Safety Insurance $54
Geico $58
Midvale Home & Auto $68
Travelers $86

Savings for Every Kind of 02125 Driver

The table shows how much the average auto insurance customer in 02125 might save by following our recommendations.

Based on our extensive insurance data, we know the average 02125 driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $736 per year by choosing the right vehicle insurance company. Some 02125 residents are paying out over $2,153 extra every year for auto insurance in 02125. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

02125 Car Insurance vs. Massachusetts

People living in 02125 pay an average of 38.63% more than the typical driver in the state. The average driver in 02125 can expect to pay about $925 per year, or $2,153 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in 02125 for most people.

Car Insurance Prices by 02125 Neighborhood

02125, MA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within 02125?

The map shows insurance prices in and around 02125, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $544 per year within the zip boundaries, with insurance premiums ranging from a high of $2,368 to a low of $1,824. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of 02125.

Pick the Best Car Insurance Company for You in 02125

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the 02125 insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in 02125

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $736 over the average 02125 car insurance company.

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We use the average good driver, paying $118 per month, as our baseline for pricing in 02125. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for 02125 drivers with accidents on their records

In 02125 getting into an accident will raise premiums an average 32% for a yearly cost of $3,161. That's $1,008 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Safety Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $1,095 over the competition.

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The best car insurance company for 02125 drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $911 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In 02125, tickets raise premiums on new quotes about $395. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $2,548 per year.

The best auto insurance for 02125 drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,583 per year in auto insurance premiums, which was $1,431 more than a driver with no major issues. State Farm, Geico, and Progressive penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $1,209 less each year.

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The least expensive car insurance company for new and young drivers in 02125

In 02125, State Farm costs young drivers $2,666 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in 02125. With an average cost of $7,512 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Plymouth Rock Assurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in 02125

The state of Massachusetts does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in 02125 for drivers with bad credit

The state of Massachusetts does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best 02125 car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In 02125, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in 02125.

Nationwide was the best company for customer service in 02125 according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 02125, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in 02125. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in 02125

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 65% of 02125 residents who are renting, and don't plan to be in the zip or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 02125 driver can expect to pay about $85 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 02125, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around 02125

What Influences the Cost of Car Insurance in 02125?

On average, car insurance in 02125 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:

  • The average commute time in 02125 is 39 minutes, which is a little more than average for a driver in the state.
  • Massachusetts state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • 02125 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in 02125 is $77 per month for minimum coverage and $179 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Zip Codes

  • 02122: Insurance costs 1.86% more
  • 02121: Insurance costs 7.52% more
  • 02119: Insurance costs 4.83% more
  • 02127: Insurance costs 10.68% less
  • 02118: Insurance costs 4.83% less
  • 02124: Insurance costs 5.34% more
  • 02120: Insurance costs 5.95% less
  • 02115: Insurance costs 11.61% less
  • 02116: Insurance costs 13.66% less
  • 02111: Insurance costs 8.87% less

Zip Codes with Similar Populations

  • 48174: Insurance costs 51.97% more
  • 70068: Insurance costs 58.52% more
  • 98375: Insurance costs 24.38% less
  • 27205: Insurance costs 44.08% less
  • 44512: Insurance costs 49.09% less
  • 83634: Insurance costs 49.42% less
  • 27302: Insurance costs 41.90% less
  • 46239: Insurance costs 41.85% less
  • 54016: Insurance costs 46.63% less
  • 12020: Insurance costs 0.33% less
* Who is the average 02125 driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central 02125 with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.