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Jerry Data & Research
Cheapest car insurance in Holbrook, Massachusetts (Nov 2024)
Cheapest car insurance in Holbrook, Massachusetts (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Holbrook, Massachusetts.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- Cheapest Car Insurance Quotes in Holbrook
- Best car insurance companies in Holbrook
- Best cheap car insurance quotes in Holbrook
- Car insurance quotes in Holbrook by rating factors
- How do different factors impact your car insurance costs in Holbrook?
- Cheap car insurance quotes in Holbrook after driving violations
- Cheap car insurance quotes in Holbrook by age
- Cheap car insurance quotes in Holbrook based on insurance history
- Cheap car insurance quotes in Holbrook for popular cars
- How to lower car insurance costs in Holbrook
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest Car Insurance Quotes in Holbrook
On average, drivers in Holbrook pay $74 per month for minimum liability insurance and $266 for full coverage
car insurance
. That’s roughly 3% more than the Massachusetts
state average. To find free quotes that come in under the local average rate, work with
Jerry
. A licensed insurance broker with thousands of customers in the greater Boston area, Jerry is a quick way to compare quotes for car insurance, homeowners insurance, and renters insurance in the Holbrook area. See for yourself: check out the real quotes Holbrook drivers found through Jerry in the table below.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Travelers | $172 | Victoria, 44 Zip: 02343 | Toyota Highlander XLE | • State Minimum Liability • Comp / Collision |
| Safeco | $137 | Ray, 33 Zip: 02343 | Jeep Compass Sport | • State Minimum Liability • Comp / Collision |
| Bristol West | $92 | Teresa, 38 Zip: 02343 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Embark General | $124 | Warren, 39 Zip: 02343 | KIA Optima LX | • State Minimum Liability |
Last Updated Nov 21, 2024Best car insurance companies in Holbrook
The best company for Holbrook insurance isn’t always the cheapest—and the cheapest company isn’t the same for every driver.
That’s why Jerry conducted the nation’s largest insurance shopping survey, asking thousands of real customers to rate their insurance company on cost, claims handling, customer service, renewal, and ease of purchase. What we found was that biggest doesn’t necessarily equal best.
Take USAA—this military-friendly insurance company consistently offers the cheapest rates in Holbrook, but it’s only available to members of the US Armed Forces, and policyholders often give lukewarm ratings to its customer service division. Other big-name companies, like
GEICO and State Farm, have lower customer satisfaction ratings than their market share would suggest.
Here’s what Holbrook drivers have to say about some popular insurance providers in the area.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Travelers | 4.8 | 4.3 | N/A | 4.5 |
| Safeco | 4.7 | 4.6 | N/A | 4.6 |
| Progressive | 4.6 | 4.2 | 4.6 | 4.4 |
Liberty Mutual | 3.9 | 3.4 | 3.2 | 4 |
| Geico | 3.6 | 3.1 | 3.7 | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Holbrook
When shopping for car insurance quotes in Holbrook, the first decision you’ll need to make is between full coverage and state minimum coverage.
Cheap minimum liability insurance quotes in Holbrook
All drivers in Holbrook must carry at least the minimum coverage required by Massachusetts state law:
- $20,000 of bodily injury liability per person
- $40,000 of bodily injury liability per accident
- $5,000 of property damage liability per accident
- $8,000 of personal injury protection per person, per accident
- $20,000 for bodily injury per person by an uninsured motorist
- $40,000 for bodily injury per accident by an uninsured motorist
Sticking to minimum coverage will keep your rates low. If that’s your primary goal—and you’re prepared to sacrifice a little peace of mind—Jerry can help you find a cheap policy quickly.
Teresa (38 years old)
$92
per month
Embark General
Warren (39 years old)
$124
per month
Do you need more than minimum coverage in Holbrook?
Massachusetts’ minimum liability requirements are lower than the average for most states—-and though personal injury protection and uninsured motorist coverage bolster your protections a little, you’ll still lack personal property coverage if you only purchase state minimum insurance.
The bottom line: For better financial protection, Holbrook drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage, depending on your income, assets, and personal insurance needs. In addition to those higher liability limits, opt for full coverage on your vehicle.
Cheap full coverage car insurance quotes in Holbrook
Full coverage car insurance
is the superior way to protect yourself against costs associated with repairing or replacing your vehicle. A full coverage policy in Holbrook includes liability, uninsured motorist, and PIP insurance plus
comprehensive
and collision coverage
:- Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
- Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you have an auto loan or lease, you’ll need full coverage to satisfy lender requirements, but it’s a worthwhile investment for almost any Holbrook driver. Unless you can afford to replace your car out of pocket—or rely on public transit for an extended period—full coverage is a smart investment.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Travelers | $172 | Victoria, 44 Zip: 02343 | Toyota Highlander XLE |
• State Minimum Liability • Comp / Collision | Safeco | $409 | Steve, 28 Zip: 02343 | Infiniti Q50 RED Sport 400 |
• State Minimum Liability • Comp / Collision | Bristol West | $92 | Teresa, 38 Zip: 02343 | Hyundai Elantra SE |
Last Updated Nov 22, 2024Jerry has your road map to the cheapest rates on all coverage options, from bare minimum liability coverage to robust full coverage policies. With a free app that compares car, renters, and home insurance quotes with end-to-end service from 100+ independent insurance agents, Jerry is your one-stop shop for all your property insurance needs.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Holbrook
We’ve worked with several top insurance providers in Holbrook, and we’ve found that the average cost for minimum liability coverage is $74 per month or $892 per year. The average cost for full coverage insurance in Holbrook is $266 per month or $3,193 per year.
The average cost of car insurance in Holbrook is indicative of what you can expect to pay—but because insurance costs are determined by several factors like age and driving record, you may pay more or less. Rates will also vary between providers.
Car insurance quotes in Holbrook by rating factors
Insurance companies in Holbrook use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles.
- Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Plus, rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How do different factors impact your car insurance costs in Holbrook?
How do different factors impact your car insurance costs in Holbrook?
Allowed (with applicable limitations): Driving experience.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status, residential status.
Learn more about the car insurance rating factors in Holbrook:
Cheap car insurance quotes in Holbrook after driving violations
A violation on your driving record is never ideal—and it can have significant consequences for your car insurance rates. A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates (like 30% higher!).
Cheapest car insurance in Holbrook after speeding ticket
In Holbrook, speeding tickets trigger fines—and they could increase your car insurance rate.
The minimum fine for a speeding ticket in Holbrook is $100. Then, drivers must pay $10 for every 10 mph over the speed limit they are caught driving.
Last Updated Nov 20, 2024Cheapest car insurance in Holbrook after DUI
A serious driving violation like a
DUI
in Holbrook can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your second Massachusetts DUI
, for instance. Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than Holbrook drivers without a DUI.
The best way to secure an affordable rate on Holbrook car insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.
Jerry has helped several local drivers with a DUI find the lowest rates.
Cheapest car insurance in Holbrook after an at-fault accident
If you cause an accident in Holbrook (or out of town), expect your car insurance rates to go up for at least a few years. Insurers will add a surcharge to your policy after most accidents to account for the added risk—but Jerry can still help you find savings.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Safeco | $137 | Emilie, 32 Zip: 02343 | Jeep Compass Sport | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $409 | Flora, 27 Zip: 02343 | Infiniti Q50 RED Sport 400 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $409 | Tommy, 27 Zip: 02343 | Infiniti Q50 RED Sport 400 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Holbrook after other driving violations
Speeding tickets, DUIs, and accidents aren’t the only on-road incidents that can cause your insurance premium to shift. Moving violations, from failure to stop at a stop sign to driving without insurance or a valid license, lead to insurance increases as long as they’re on your Massachusetts driving record.
Take a look at the table below for examples of Holbrook drivers with violations who found savings with Jerry.
Last Updated Nov 23, 2024Cheap car insurance quotes in Holbrook by age
Age plays a huge role in setting car insurance rates for Holbrook drivers. If you’re under 25 or over 75, you’re likely paying more than the city average. That’s because
teen drivers
lack experience, while senior drivers can see a higher risk of serious injuries due to failing reflexes. Cheapest car insurance in Holbrook for young drivers
Drivers aged 16 to 24 pay the highest rates for auto insurance out of any age group in Holbrook. Because teens lack experience on the road, they’re automatically flagged as a high insurance risk.
Keep in mind that you may notice lower premiums for a teen driver who only has a
Massachusetts provisional license
. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered a lower risk than a young driver with an unrestricted license.
Cheapest car insurance in Holbrook for senior drivers
Most
senior drivers
enjoy the lowest rates in Holbrook. If you’ve maintained a generally clean driving record for 5+ decades, you’ve built valuable trust with insurance companies. But drivers typically see their premium begin to climb again when they reach their mid-70s thanks to a higher risk of medical expenses, hospitalization, and mortality from car accidents.
Cheap car insurance quotes in Holbrook based on insurance history
Insurance companies look for drivers with a long, unbroken history of insurance coverage for the lowest rates. If you haven’t had insurance for very long—or if you have
an insurance lapse
on your record—you may find yourself paying a little more. Lucile (27 years old)
$409
per month
Flora (27 years old)
$409
per month
Gordon (27 years old)
$409
per month
Over 4,000,000 customers and counting
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Angela
Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
Andrew
Cheap car insurance quotes in Holbrook for popular cars
The car you drive has a major impact on your insurance rates—especially if you have a full coverage policy. The higher your car’s value, the more you’ll pay to insure it, but auto theft rates and safety scores can also affect your insurance costs.
Last Updated Nov 23, 2024How to lower car insurance costs in Holbrook
1. Shop around and compare quotes
The rules insurance companies use to set premiums vary from provider to provider—and they change constantly as companies update their metrics.
In other words, the cheapest car insurance policy is a moving target. The best way to hit that target is to shop with an independent broker like Jerry. In under a minute, Jerry can collect free quotes from dozens of top-rated auto insurance providers to find you the best-priced coverage at any given time.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but exact discounts, eligibility factors, and availability vary depending on your provider. Keep an eye out for: - Good driver discounts: If you have a relatively clean driving record over a period of years, most insurance companies will offer you a lower rate.
- Telematics discounts: Most insurers offer discounts to drivers who sign up to track their driving and avoid unsafe behaviors on the road.
- Good student discounts: If you are currently enrolled as a full-time student in high school or college and maintain a B average or higher, you may be eligible for a discounted rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage, increasing the deductible on your comprehensive or collision coverage can lower your rates. Just keep in mind that this will also raise the cost of filing a claim—don’t raise your deductible so much that your coverage becomes useless!
FAQ
How much is car insurance in Holbrook?
People living in Holbrook pay on average $74 per month – or $892 per year – on state-minimum liability coverage. Full coverage in Holbrook costs on average $266 per month or $3,193 per year.
What is the cheapest car insurance in Holbrook?
Based on thousands of Holbrook drivers Jerry has worked with, car insurance in Holbrook costs an average of $74 per month for state-minimum coverage and $266 per month for full coverage.
What is the best car insurance in Holbrook?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Holbrook drivers, based on the largest car insurance survey in the nation conducted by Jerry.
What is the minimum car insurance in Holbrook, Massachusetts?
The state-minimum car insurance in Holbrook, Massachusetts are commonly referred to as 50/100/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.