Car Insurance in Somerville

Protect yourself, your family and your assets with car insurance in Somerville.

Compare, shop and customize quotes from top-rated insurance carriers.

Drive More Safely With Car Insurance in Somerville

You know what they say about the weather in Somerville, Massachusetts. There are only two seasons, winter and road construction. To navigate both of those seasons successfully, you need great car insurance in Somerville. The winters in Somerville are legendary, averaging 51 inches of snow per year. Even if you are a fantastic winter driver with the proper snow tires or chains, you can't trust all the other drivers on the road to be the same.

In addition to the often-difficult weather, Somerville is a congested area. Wedged between Cambridge and the Charles and Mystic Rivers, it supports auto traffic from both residents and Boston commuters. The city has implemented a Vision Zero plan to improve the safety of its streets and reduce traffic accidents.

Get the Coverage You Want

You can expect to pay a lower rate than the national average for car insurance in Somerville with an average premium of $1,200 per year. Of course, your final cost will depend upon the coverage you select and any riders you may wish to attach. Finding car insurance in Somerville does not need to be a challenge. Just use VIU by HUB. With one stop, you can compare rates and coverage and get the quotes you need to make an informed decision.

Like to commute on the MBTA buses and trains ? That's a good idea when you're headed into Boston or somewhere local. You will still need a car for longer trips or activities during hours when the MBTA isn't convenient.

Your Basic Car Insurance Policy

Massachusetts requires a basic policy for all car owners. This policy must include the following coverage:

Bodily injury to others in the amount of $20,000 per person and $40,000 per accident
Bodily injury caused by an uninsured auto in the amount of $20,000 per person and $40,000 per accident
Personal injury protection in the amount of $8,000 per person, per accident
Damage to someone else's property in the amount of $5,000 per accident

These are all required minimum dollar amounts. You may opt for greater coverage for your car insurance in Somerville.

Other popular insurance options are collision and comprehensive coverage. Collision pays for damage to your car when you are in a collision with another car or object, such as a telephone pole. Comprehensive covers theft and other damage such as vandalism, hail and hitting a deer.

Extra coverage will raise your premium. However, many insurance companies offer better rates to safer drivers and students with good grades. Searching for insurance with VIU by HUB allows you to compare discount incentives for various insurance companies.

Getting the Good Rates

If you'd like to lower your auto insurance premium and get the best rate possible, drive safely. Accidents raise rates. If you have accidents on your record or points on your driver's license, you may be able to take a local driving course to improve your record.

Drive an older car. The newest cars have the highest premiums, as do expensive sports cars. They are more likely to be driven very fast, cost more to repair and are targets for car thieves.

Use VIU by HUB to find your next car insurance in Somerville. With these tools, you can search for the lowest premiums and the best coverage for the way you drive.

This information is intended for general informational purposes only and is not intended to constitute legal advice.