Best Places in Massachusetts for Cheap Car Insurance | Blog | Vargas & Vargas Insurance

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April 2, 2017

You already probably know that your place of residence has a huge effect on your home insurance cost. Did you know that it also affects what you pay for car insurance? It turns out that the average car insurance premium varies per city, according to Boston.com. Even in the state of Massachusetts, car insurance rates can vary by as much as $1,000 per year based on where you live.

There are a few reasons why your location affects your insurance premium. Most notably, people who live in areas that have a high population and traffic density are more likely to get into an accident. Insurance providers also consider the car theft rates when determining insurance premiums. For example, the state average of car thefts per 1,000 residents is 1.44. In Chelsea (the area in Massachusetts with the highest car insurance premiums) the rate is 4.98 thefts per 1,000 residents.

The ten most expensive places for car insurance in Massachusetts:

  1. Chelsea: $1,875.25
  2. Swampscott: $1,724.17
  3. Saugus: $1,724.17
  4. Randolph: $1,650.33
  5. Brockton: $1,593.88
  6. Springfield: $1,587.75
  7. Lynn: $1,511.50
  8. Everett: $1,448.38
  9. Malden: $1,448.13
  10. Medford: $1,448.13

The ten locations with cheap car insurance in Massachusetts are:

  1. Nantucket: $827.50
  2. Greenfield: $827.50
  3. Maynard: $839.08
  4. Northborough: $839.08
  5. West Concord: $839.08
  6. Medfield: $839.08
  7. Wellesley: $886.92
  8. Newburyport: $886.92
  9. Franklin: $886.92
  10. Arlington: $896.75

Assuming that you’re not willing to relocate just to save on your car insurance premium, there are still plenty of ways that you can lower your premium to get cheap car insurance. Some cars get better insurance rates than others. Often, insurance providers offer several discounts for safe drivers and cars with safety features. Drivers that belong to certain organizations also can receive discounted rates.

One of the best ways to save on auto insurance(whether you’re on the ‘best’ list, the ‘worst’ list, or anywhere in between) is to shop around at several insurance providers. Here at Vargas and Vargas Insurance Agency, we gather information from our clients and compare several insurance providers to ensure that they get the best rate available.

If you want to make sure that you’re getting cheap car insurance, all you have to do is call Vargas and Vargas Insurance Agency at 617-298-0655 . Our auto insurance experts will get you a car insurance quote that gets you the coverage you need at a price that’s right for you.

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About the Author

Carlos Vargas

Carlos Vargas

Carlos Vargas is the Founder and President of Vargas & Vargas Insurance Agency. He began his career in 1980 as a captive agent for a large national insurance company, but chose to become an independent insurance broker so he could offer clients better coverage options and more competitive products.


With 46 years of experience, Carlos believes strongly in the value of relationships and helping clients understand their insurance so they can make better decisions. In addition to leading the agency's vision and strategy, Carlos is deeply committed to community engagement and educating the public about insurance.


Outside of work, Carlos enjoys spending time with his wife, their sons and their families, and friends.

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