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Why is car insurance so expensive in Massachusetts?
My daughter is moving to Boston for school and driving her car up the coast in the fall. Unfortunately, car insurance sure isn't cheap up there! Why is car insurance so expensive in Massachusetts?
Jason Tushinski · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
There are several reasons why
car insurance
is so expensive in Massachusetts
. One significant reason is the state’s above-average claim frequency, which drives up insurance expenses.Let’s delve into the key factors driving this higher-than-average claim frequency:
- High population density: Massachusetts is one of the most densely populated states in the nation. More vehicles concentrated in a relatively small area raises the likelihood of accidents and subsequentinsurance claims.
- Severe weather: The Bay State is prone to inclement weather, including heavy snowfall during winter. Severe weather conditions contribute to morecollisionandcomprehensive insuranceclaims.
- Cost of living:Rising auto repair costs(increasing by 2% annually) and healthcare expenses (rising by 7% annually) drive up premiums so insurers can ensure sufficient coverage.
View full answer
- Gregory R.
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