Best Car Insurance in Marlborough 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Marlborough.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 9, 2021Hyundai Sonata SE0175237Safeco$160/mo.$93/mo.
April 29, 2021Chevrolet Malibu 2LT0175225Safeco$150/mo.$108/mo.
Here’s more information about what impacts the insurance rates in your Marlborough.

How much does car insurance cost in Marlborough?

Car insurance in Marlborough, Massachusetts costs single-car drivers an average of $2,589 annually, or about $216 per month. Compared to the state annual average of $2,910, auto insurance in Marlborough is $322 lower higher.
Marlborough has long been a bustling economic hub, but that doesn’t mean that it is easy to find affordable car insurance in the area. The city has long been identified as a proud working-class community. But higher-than-average income rates often translate to higher costs for insurance companies who have to pay out for claims on expensive vehicles. And natural disasters or severe weather events can also cause premiums to climb.
Jerry is an insurance shopping super app that helps you find the best prices for the coverages you want fast—and skip the usual stress that comes with shopping around. Use the app to compare rates from more than 50 top providers, choose your policy, and let Jerry take care of the switchover and renewals for you. Plus, the average Jerry user saves $879 a year on car insurance!
Here’s a rundown of what you need to know about car insurance in Marlborough.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Marlborough$3,750$2,388$4,056$1,920--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
MarlboroughNational Average
All Coverage Before Jerry
$3,750$3,223
All Coverage After Jerry
$2,388$2,143
Minimum Coverage Before Jerry
$4,056$3,086
Minimum Coverage After Jerry
$1,920$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Marlborough

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance in Massachusetts is affordable compared to some states, but that doesn’t mean you can’t find opportunities to save money.
Providers use different formulas to set their rates. So prices for identical coverages can sometimes vary depending on personal factors like your demographics and driving history—not to mention discount eligibility.
MAPFRE Insurance in Marlborough is a popular choice. Same with GEICO, Plymouth Rock, and Liberty Mutual. But the best option for you will depend on personal factors and preferences, so it’s always a good idea to shop around.
Here’s what drivers pay with some of the most popular insurance providers in Marlborough before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$1,920$675Compare Prices
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What kind of car insurance you need in Marlborough

In Marlborough, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Massachusetts is a no-fault state where drivers are required to carry at least the following liability, uninsured motorist, and PIP (no-fault) insurance coverage:
You are also required to carry proof of coverage and registration when driving. You will need to have these documents on hand and ready to show if you are stopped by law enforcement or involved in an accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Most people choose to increase their coverage to more than just the state minimum limits. For instance, liability, uninsured motorist, and PIP insurance won’t cover the cost of damage to your car if you cause an accident.
Here are some additional coverages that would serve drivers in Marlborough well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceIf you are involved in a collision or rollover, collision insurance will payout for damage to your car.
Poorly maintained roadsRoadside assistanceThe state of MA makes top-ten for urban streets in need of repair. This coverage provides 24/7 access to emergency services like towing, battery boosts, and tire changes.
Storms, flooding, wildfiresComprehensive insuranceComprehensive insurance covers damage to your car caused by natural events or property crime.
Population densityAccident forgivenessAccidents are more common in urban areas. Accident forgiveness helps safe drivers keep premiums low after an accident.
Property crimeCustom parts and equipment insuranceThis coverage protects custom installed aftermarket car components.

What determines your car insurance cost in Marlborough

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Marlborough, you could be paying as much as $261 more per month than an adult driver. These are average rates for Jerry customers in Marlborough broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$5,724$1,844
25-34$2,700$1,059
35-44$1,920$675
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Marlborough with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,729$1,309
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Where in Marlborough you live

It may seem like insurance rates in Marlborough should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Marlborough, residents of -- will have the most expensive car insurance rates, while people who live in 01752 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Marlborough:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 9, 202101752Hyundai Sonata SEMA37Safeco$160/mo.$93/mo.
April 29, 202101752Chevrolet Malibu 2LTMA25Safeco$150/mo.$108/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Marlborough so expensive?

A variety of considerations determine baseline car insurance rates in Marlborough. Insurance companies often consider the following:
Car insurance rates in Marlborough, Massachusetts may be high for several reasons.

Accident rates

Marlborough isn’t a large city. But it is strategically located between Boston and Worcester, and heavy traffic can cause accident rates to climb. In more modest-sized communities like Marlborough, even a small jump in accident rates can result in higher premiums for residents.

Inclement weather

Cars in Marlborough are prone to damage as a result of severe winter or summer storms. There is also a risk of hurricanes, tornados, and wildfires in the area. When carriers deal with a high claim volume resulting from natural events, they typically increase premiums.

Hazardous roads

The Boston area is infamous for poorly maintained roadways. Almost 40% of urban Boston roads require repair. Bad roads make accidents more likely, and road construction also tends to increase claims.

How can you save money on car insurance in Marlborough?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Don’t underestimate the power of discounts to reduce your rates for car insurance in Marlborough. While some discounts may not look like much on their own, combining eligible deals can be a great way to save money.
These are some standard discounts that might be available with insurance carriers in Marlborough:
DiscountDescription
Multi-policyIf you buy different types of insurance products, choosing the same provider for more than one type of coverage may qualify you for bundling discounts.
New vehicleDrivers who insure newer vehicle models may qualify for a policy discount.
Paid in fullSome carriers offer discounts to policyholders who pay their premiums annually or biannually instead of choosing a monthly payment plan.
Continuous coverageIf you switch carriers, you may qualify for a discount for not letting your coverage lapse.
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