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Cheapest car insurance in Holbrook, Massachusetts (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Holbrook, Massachusetts.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

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 companyPremium (monthly)CustomerCarInsurance coverage
Travelers
$123
Bessie, 30
Zip: 02343
Subaru Crosstrek Premium
• State Minimum Liability
• Comp / Collision
Safeco
$137
Eugenia, 32
Zip: 02343
Jeep Compass Sport
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Best 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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
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Bessie (30 years old)
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
carSubaru Crosstrek Premium
$123
per month
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Eugenia (32 years old)
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
carJeep Compass Sport
$137
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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Travelers
$123
Bessie, 30
Zip: 02343
Subaru Crosstrek Premium
• State Minimum Liability
• Comp / Collision
Safeco
$409
Craig, 27
Zip: 02343
Infiniti Q50 RED Sport 400
coverageLast Updated Jul 24, 2024
Jerry 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.
Lower my car insurance too!

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?

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Allowed (with applicable limitations): Driving experience.
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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

Your
Massachusetts driving history
impacts your auto insurance quotes. 
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. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Allstate
$64
Tony, 34
Zip: 02343
Mazda 3
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Allstate
$82
Ernest, 36
Zip: 02343
Volkswagen Golf
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Cheapest 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.  
card cover
Sean (36 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationHolbrook, MA
(Zip Code: 02343)
$76
per month
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Evan (34 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationHolbrook, MA
(Zip Code: 02343)
$74
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$137
Georgia, 32
Zip: 02343
Jeep Compass Sport
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$409
Nellie, 27
Zip: 02343
Infiniti Q50 RED Sport 400
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$409
Ruby, 27
Zip: 02343
Infiniti Q50 RED Sport 400
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Cheapest 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. 
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
AAA
$65
Amy, 30
Zip: 02343
RAM 1500
• 100,000/300,000 Liability
Defective Equipment
Nationwide
$64
Olive, 38
Zip: 02343
Ford Focus
• State Minimum Liability
coverageLast Updated Jul 24, 2024

Cheap 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.
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Mattie (22 years old)
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$69
per month
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Alejandro (23 years old)
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$61
per month

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. 
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Carrie (75 years old)
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$67
per month
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Loretta (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHolbrook, MA
(Zip Code: 02343)
$52
per month

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. 
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Augusta (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$409
per month
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Elva (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
carSubaru Crosstrek Premium
$123
per month
card cover
Bill (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$409
per month
card cover
Lois (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
carSubaru Crosstrek Premium
$123
per month
card cover
William (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationHolbrook, MA
(Zip Code: 02343)
$409
per month

How 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

avatar
R.E. Fulton
badge icon
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.
avatar
Sarah Gray
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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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.