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Get Around Lawrence With Ease
From enjoying the trails along the Merrimack River at Lawrence Heritage State Park to taking in the local art scene at Essex Art Center, Lawrence has no shortage of reasons to hop in your car and check out a new attraction. Before setting a destination on your map app, ensure your current policy for car insurance in Lawrence gives you one less worry as you navigate Massachusetts's roads.
Lawrence sees high temperatures above 74°F from June through September, making summer the ideal time to plan outdoor activities. However, snowfall varies throughout the colder months, so check the forecast before heading to popular destinations like the Lawrence Public Library or Lawrence History Center.
With a population of 88,500, the right auto insurance plan can save Lawrence drivers a major headache if they get into an accident. While the area has a low rate of fatal car crashes, City-Data.com reported four fatal car crash accidents in 2021 even a minor fender bender can result in expensive repairs and significant inconveniences. The right insurance policy helps you handle unexpected costs and damages without financial strain.
Professional Help To Find the Most Affordable Car Insurance in Lawrence
While the MVRTA transit system has over 1 million miles of scheduled bus routes throughout northeast Massachusetts, having personal transportation is often more reliable and convenient. With VIU by HUB, it's easy to explore auto insurance policies tailored to your needs.
Average Cost of Auto Insurance in Lawrence
At VIU by HUB, we're dedicated to showing you competitive auto insurance rates and flexible coverage options. On average, Lawrence drivers pay about $1,500 a year for car insurance, which is less expensive than rates throughout the rest of Massachusetts.
Types of Car Insurance Required in Massachusetts
Here's the car insurance in Lawrence that you need to comply with state requirements:
- Bodily injury liability: Lawrence drivers need $20,000 in bodily injury liability insurance per person and $40,000 per accident. This covers the costs associated with injuries or death the policyholder causes to someone else in a car accident.
- Property damage liability: The minimum requirement for property liability in Massachusetts is $5,000. This coverage pays for damage the policyholder causes to someone else's property in an automobile accident.
- Uninsured motorist: Another auto policy state requirement is $20,000 per person and $40,000 per accident in uninsured motorist bodily injury coverage. This protects the policyholder in an accident with a driver who does not have insurance or has inadequate insurance to cover the damages.
- Personal injury protection: Massachusetts drivers need $8,000 in personal injury protection coverage. The coverage pays for medical expenses and other related costs for the policyholder and their passengers, regardless of fault, in the event of an automobile accident.
Besides insurance coverage required by state law, it's a good idea for drivers to secure other types of car insurance in Lawrence to protect themselves. For instance, collision insurance pays for the repair or replacement of the policyholder's vehicle in the event of a collision, regardless of fault. With comprehensive auto insurance, you have financial protection for your vehicle against damage not resulting from a collision, such as theft, vandalism, natural disasters, or other non-collision-related incidents.
Factors That Affect Car Insurance Rates
A variety of factors influence how much you pay for car insurance in Lawrence, including:
- Driver age
- Driving record
- Make and model of the insured vehicle
- Where you drive your vehicle
Other factors, including your credit score, how often you drive, and your selected coverage options, also affect overall insurance costs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.