Affordable Car Insurance Rates in North Reading, MA (2021)
Car insurance rates in North Reading, MA are $254/month on average. By law, Massachusetts drivers need to carry at least 20/40/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple North Reading car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- Average car insurance rates in North Reading, MA for senior drivers are $1,893/year
- The cheapest car insurance company in North Reading for teen drivers is State Farm
- Average car insurance rates in North Reading, MA are $254/month
Average car insurance rates in North Reading, Massachusetts are $254 a month. But with a little research you can get a great deal from the top car insurance companies in North Reading, MA. Before you buy North Reading, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.
It may even be helpful to compare North Reading car insurance rates with Lynn car insurance rates, Springfield car insurance rates, or Worcester car insurance rates to make sure you’re getting the best North Reading, MA car insurance quotes available.
Need affordable North Reading, MA car insurance? Enter your ZIP code to compare North Reading car insurance quotes from multiple car insurance companies near you.
Table of Contents
North Reading, MA Minimum Car Insurance Coverage
North Reading, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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North Reading, MA Car Insurance Rates by Coverage Level
Some North Reading drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your North Reading, Massachusetts car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,493 | $3,839 | $3,993 |
| GEICO | $2,541 | $2,816 | $2,936 |
| Liberty Mutual | $4,094 | $4,428 | $4,591 |
| Progressive | $3,312 | $3,680 | $3,840 |
| State Farm | $1,227 | $1,374 | $1,450 |
| Travelers | $3,269 | $3,708 | $3,914 |
| USAA | $1,707 | $1,874 | $1,949 |
North Reading, MA Car Insurance Rates by Age, Gender, and Marital Status
North Reading, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy North Reading, MA car insurance, get quotes from multiple car insurance companies in the North Reading area and see how these criteria affect your 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 | $2,225 | $2,225 | $2,225 | $2,225 | $8,156 | $8,156 | $2,495 | $2,495 |
| GEICO | $1,912 | $1,912 | $1,773 | $1,773 | $5,401 | $5,401 | $1,971 | $1,971 |
| Liberty Mutual | $2,771 | $2,771 | $2,413 | $2,413 | $9,404 | $9,404 | $2,897 | $2,897 |
| Progressive | $2,117 | $2,117 | $2,032 | $2,032 | $8,003 | $8,003 | $2,293 | $2,293 |
| State Farm | $927 | $927 | $927 | $927 | $2,620 | $2,620 | $927 | $927 |
| Travelers | $2,876 | $2,876 | $2,542 | $2,542 | $5,904 | $5,904 | $3,199 | $3,199 |
| USAA | $1,360 | $1,360 | $1,340 | $1,340 | $3,171 | $3,171 | $1,502 | $1,502 |
North Reading, MA Car Insurance Rates for Teens
How much is North Reading, Massachusetts car insurance for teens? Compare rates from top North Reading car insurance companies below to help find the cheapest teen car insurance in North Reading, MA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,156 | $8,156 |
| GEICO | $5,401 | $5,401 |
| Liberty Mutual | $9,404 | $9,404 |
| Progressive | $8,003 | $8,003 |
| State Farm | $2,620 | $2,620 |
| Travelers | $5,904 | $5,904 |
| USAA | $3,171 | $3,171 |
North Reading, MA Car Insurance Rates for Seniors
Before seniors buy North Reading, Massachusetts car insurance, they should make sure to shop around. Some North Reading, MA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,225 | $2,225 |
| GEICO | $1,773 | $1,773 |
| Liberty Mutual | $2,413 | $2,413 |
| Progressive | $2,032 | $2,032 |
| State Farm | $927 | $927 |
| Travelers | $2,542 | $2,542 |
| USAA | $1,340 | $1,340 |
North Reading, MA Car Insurance Rates by Driver History
How does a single speeding ticket affect your North Reading, Massachusetts car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in North Reading.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,931 | $4,346 | $4,891 | $2,931 |
| GEICO | $2,209 | $3,042 | $3,474 | $2,330 |
| Liberty Mutual | $3,452 | $4,698 | $5,655 | $3,680 |
| Progressive | $3,035 | $4,274 | $3,392 | $3,743 |
| State Farm | $1,071 | $1,455 | $1,729 | $1,146 |
| Travelers | $2,829 | $3,918 | $4,183 | $3,593 |
| USAA | $1,313 | $1,704 | $2,887 | $1,468 |
North Reading, MA Car Insurance Rates With a DUI
Even a single DUI can increase your North Reading, MA car insurance rates. Compare rates below to see which North Reading car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,891 |
| GEICO | $3,474 |
| Liberty Mutual | $5,655 |
| Progressive | $3,392 |
| State Farm | $1,729 |
| Travelers | $4,183 |
| USAA | $2,887 |
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North Reading, MA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your North Reading, MA car insurance rates may be. Let’s take a look at average car insurance rates from top North Reading companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,654 | $3,896 |
| GEICO | $2,710 | $2,818 |
| Liberty Mutual | $4,199 | $4,543 |
| Progressive | $3,611 | $3,611 |
| State Farm | $1,319 | $1,382 |
| Travelers | $3,460 | $3,801 |
| USAA | $1,792 | $1,894 |
North Reading, MA Cheapest Car Insurance Rates
How do the top North Reading, Massachusetts car insurance companies’ average rates stack up against the North Reading average monthly car insurance rates of $254? Take a look and see.
| 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 |
North Reading, MA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top North Reading, Massachusetts car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,775 |
| GEICO | $2,764 |
| Liberty Mutual | $4,371 |
| Progressive | $3,611 |
| State Farm | $1,350 |
| Travelers | $3,630 |
| USAA | $1,843 |
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North Reading, MA Car Insurance Quotes
Compare North Reading, MA car insurance quotes from multiple companies by entering your ZIP code now.