Car Insurance in Framingham, MA
Compare, shop and customize quotes from top-rated insurance carriers.
Find the Right Car Insurance in Framingham, MA
Centrally located between Worcester and Boston, Framingham has a population of nearly 71,000 residents, according to the latest U.S. Census data. This small city has a comfortable community-oriented feel, and it's also one of the most ethnically diverse towns in Massachusetts. Residents can easily access major roads, including the Mass Pike (Interstate 90) and four state highways that pass through Framingham. If you frequently drive in the area, trustworthy car insurance in Framingham, MA, is an essential part of your financial plan.
The city has a strong job market with unemployment of just over 4%. according to Sperling's Best Places, below the national average rate of 4.7%. Framingham also has a higher-than-average household income, offset by its high cost of living. Most expenses here cost about 45% more than the U.S. average and about 17% more than in the rest of the state. If you want to save money on your car insurance policy, compare rates from several providers at once with VIU by HUB.
The Need for Framingham Car Insurance
The Boston metro area, which includes Framingham, is one of the most dangerous U.S. locations for drivers. Serious auto accidents are on the rise throughout the state as well, with 430 traffic fatalities in 2022 alone. Cyclists and pedestrians represented 25% of these preventable deaths. Massachusetts requires drivers to have liability insurance, which pays others' medical bills and expenses if they inadvertently cause an accident.
Framingham has lower-than-average rates of property crime, about 1.1 incidents for every 100 residents. In comparison, the average for Massachusetts is just a bit higher at 1.2, while the U.S. has an average rate of 2.1 property crimes per 100 residents. If someone steals or vandalizes your vehicle, a comprehensive policy will cover the value of the loss. You can find the best rates by shopping for auto insurance with VIU by HUB.
Cost of Car Insurance in Framingham, MA
Massachusetts residents generally pay less for auto insurance than in other U.S. states. Bankrate reports an average cost of $429 a year for minimum coverage and $1,262 for full coverage. In comparison, the national average premium is $2,014 per year for full coverage. Framingham residents pay just a bit more than the state average at $1,350 for annual full coverage.
Framingham's urban location and population density likely account for its slightly higher rates. You'll even find different rates from one street to the next within the same city since some locations have higher rates of car theft, accidents and other risks. If you want more coverage at a lower rate, try getting quotes from multiple providers. It takes just a few minutes with VIU by HUB's smart online quote tool.
Insurance Requirements for Massachusetts Drivers
Massachusetts mandates four types of insurance coverage. You must have $20,000 per person and $40,000 per accident for bodily injury liability, which pays for third-party medical bills after an at-fault accident. You also need the same coverage amounts for uninsured bodily injury protection, which pays damage and medical bills for you and your passengers in an accident with an uninsured driver.
The state also requires property damage liability of at least $5,000. Finally, personal injury protection policies cover your auto replacement up to $8,000, lost wages and medical expenses after an accident, regardless of fault. When you want the best possible car insurance in Framingham, MA, without paying too much, get multiple quotes from VIU by HUB.
VIU by HUB makes it easy to find the right car insurance in Framingham, MA, at the right price.
This information is intended for general informational purposes only and is not intended to constitute legal advice.