The Best Car Insurance Companies in Andover, MA

Andover, MA car insurance rates are about $148/mo. You can pay as low as $82/mo if you buy auto insurance at State Farm. However, insurance rates vary for each driver in Andover, MA. To get the best deal, you can shop around for multiple insurance companies in Andover, MA.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jan 16, 2022

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The Highlights

  • State Farm is the cheapest car insurance company in Andover, MA
  • Andover, MA male and female drivers pay the same car insurance rates
  • Senior drivers pay significantly less than teen and young adult drivers in Andover, MA

Are you looking for cheap car insurance companies in Andover, MA? Andover is a northeastern coastal city in Massachusetts that’s a few miles from Boston.

But does this town have cheap car insurance? Don’t worry — we’re here to help.

Andover, MA auto insurance rates are about $148 per month. However, you can secure cheaper rates when you compare car insurance companies in the Andover area.

Continue reading to learn how to get affordable Andover, MA car insurance. If you’re ready to compare multiple insurance companies near you, enter your ZIP code in the free online quote tool above.

What are the best car insurance companies in Andover, MA?

Before you buy Andover, MA car insurance, you should know about the top insurance companies in the city. Here’s a list of the best companies in Andover, MA.

  • Allstate
  • GEICO
  • Liberty Mutual
  • Progressive
  • State Farm
  • Travelers
  • USAA

USAA auto insurance is known for its service to members of the U.S. Armed Forces (retired and active duty). Anyone in the immediate family of someone in the military can also get USAA car insurance.

But how much is auto insurance in Andover, MA?

Let’s look at the top Andover, MA car insurance companies and see how much they cost per month.

Monthly Andover, MA Car Insurance Rates by Company
CompaniesMonthly Car Insurance Rates
State Farm$104
USAA$145
GEICO$218
Travelers$270
Progressive$278
Allstate$303
Liberty Mutual$342
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State Farm has the cheapest auto insurance rates in Andover, followed by USAA and GEICO. Allstate and Liberty Mutual have the most expensive rates.

But you can get more affordable Andover, MA auto insurance rates with specific factors.

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What factors determine Andover, MA car insurance quotes?

Your auto insurance rates are based on multiple factors. And each factor affects car insurance quotes differently.

For example, a driving record with a speeding ticket and fair credit could produce higher than average auto insurance quotes in Andover, MA.

But other factors could lower monthly rates.

Let’s examine some of the most important characteristics that can determine auto insurance quotes.

  • Driving record
  • Credit score (history)
  • Gender
  • ZIP code
  • Coverage level
  • Age

These significant factors are part of the quote process, and can have a critical effect on how much you pay for car insurance.

Does my driving record affect Andover, MA car insurance rates?

Yes, it does. Your driving history shows your overall risk for the insurance company. Any traffic violation or accident on your record increases your risk and drives up auto insurance rates.

Here’s a table that shows estimates from the best companies in Andover, MA.

Monthly Andover, MA Car Insurance Rates by Driving Record
CompaniesMonthly Car Insurance Rates based on a Clean Driving RecordMonthly Car Insurance Rates based on One Speeding TicketMonthly Car Insurance Rates based on One AccidentMonthly Car Insurance Rates based on One DUI
Allstate$235$235$348$393
GEICO$175$184$240$274
Liberty Mutual$270$288$367$443
Progressive$234$288$328$261
State Farm$82$88$112$133
Travelers$211$268$291$310
USAA$103$116$134$227
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Auto insurance companies produce more expensive rates when you have a traffic infraction or car accident on your record in Andover, MA.

Speeding violations have the least impact, but DUI convictions and accidents generate costly rates.

Do credit scores impact Andover, MA car insurance?

No, they don’t. Massachusetts is one of three states that have outlawed auto insurance companies from calculating rates using credit history. Car insurance companies are also prohibited from using credit-based insurance scores.

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Do male drivers pay more for Andover, MA car insurance?

No, they don’t. Massachusetts outlaws car insurance companies from using gender to determine insurance costs.

Can my ZIP code change my Andover, MA car insurance rates?

Andover, MA has at least five ZIP codes. But our research only found two estimates.

Let’s review the auto insurance rates by ZIP code in Andover, MA.

  • Andover, MA (ZIP Code, 01810) — $237/month
  • North Andover, MA (ZIP Code, 01845) — $254/month

Andover is a town with urban and suburban areas, making it risky for drivers who commute to and from work.

Residents of Andover who work in Boston have a more significant risk because they have longer commutes.

How much are Andover, MA car insurance rates at different coverage levels?

Coverage levels are another way of describing the limits of an auto insurance policy.

The lowest coverage level in Massachusetts carries 20/40/5 for bodily injury (BI) and property damage (PD) liability. Massachusetts also requires uninsured/underinsured motorist (UM/UIM) coverage of 20/40.

But what do 20/40/5 and 20/40 mean? Here’s a breakdown of Massachusetts minimum car insurance requirements:

  • $20,000 for bodily injury of one person per accident
  • $40,000 for bodily injury of multiple people per accident
  • $5,000 for property damage per accident
  • $20,000 for bodily injury of one person per accident involving an uninsured/underinsured motorist
  • $40,000 for bodily injury of multiple people per accident involving an uninsured/underinsured motorist

These coverage amounts are part of liability insurance, and they’re provided as a minimum at various auto insurance companies in Massachusetts.

If you need more, your car insurance rates will be more expensive. Let’s look at how higher coverage levels can increase monthly rates.

Andover, MA Car Insurance Rates by Coverage Level
CompaniesLow Coverage Level (20/40/5)Medium Coverage Level (50/100/50)High Coverage Level (100/300/100)
State Farm$95$106$111
USAA$134$147$153
GEICO$201$222$232
Travelers$244$276$290
Progressive$255$283$295
Allstate$281$308$320
Liberty Mutual$321$346$359
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State Farm and USAA are still the most affordable companies in Andover.

Although medium and high coverage levels are more expensive, they’ll give you more than enough coverage just in case you get into an accident.

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How does age affect Andover, MA car insurance?

Age is a determining factor that describes the experience of the driver. Drivers who are 25 and older generally have more experience than people under 25. Also, people under 25 have a higher risk of filing insurance claims.

Therefore, car insurance rates for anyone that’s 16 to 24 are three times more than average. Let’s look at the average monthly Andover, MA car insurance rates by age.

  • 60-Year-Old Driver — $148/month
  • 35-Year-Old Driver — $158/month
  • 25-Year-Old Driver — $170/month
  • 17-Year-Old Driver — $472/month

Senior drivers file fewer auto insurance claims in Andover, MA, so insurance rates for drivers 60 and up are usually cheaper.

Drivers between 25 and 59 pay up to $22 more per month, but car insurance rates vary between individual people.

How do you get cheaper car insurance rates?

There are several roads you can take to get more affordable rates. Here’s a list of ways you can get cheaper auto insurance.

  • Get a higher deductible
  • Drive less during your policy
  • Qualify for several discounts
  • Report an improving credit score
  • Maintain a clean driving record for three months or more
  • Report your marital status
  • Show a teen driver’s good grades
  • Take a defensive driving course
  • Enroll in usage-based insurance

These are only a few examples you can try on car insurance companies in Andover, MA. The top insurance companies in the nation take most of these options into account, so ask about them before and during your insurance policy.

Best Companies in Andover, MA: The Bottom Line

State Farm is the most affordable auto insurance company in Andover, MA. But the best auto insurance company depends on the person.

You’ll need to compare the best insurance companies and see which one meets your needs. Also, you’ll need an insurance policy you can afford.

Now that you know more about Andover, MA car insurance, use our free online quote tool to compare multiple insurance companies near you.

Are you looking for free insurance quotes?

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Frequently Asked Questions: Best Companies in Andover, MA

Do you want to know more about the best companies in Andover, MA? Read these answers to frequently asked questions to learn more.

#1 – What are the best pharmaceutical companies in Andover, MA?

Sunovion Pharmaceuticals, Alexion Pharmaceuticals, and AMAG Pharmaceuticals are the best pharmaceutical companies in Andover, MA.

#2 – What are the best medical device companies in Andover, MA?

Thermo Fisher Scientific Inc., Philips North America, and DePuy Synthes Cos. of Johnson & Johnson are the top medical device companies near Andover, MA.

#3 – What are the best home insurance companies in Andover, MA?

Safety Insurance, Quincy Mutual, MAPFRE, Chubb, and UPC are the best home insurance companies in Andover, MA.

Are you looking for free insurance quotes?

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