How much is car insurance in Andover, MA?

Car insurance in Andover for an adult with a clean driving record and good insurance score costs $1,384 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Andover by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Andover.

Key Highlights

Car insurance in Andover is cheaper than car insurance in Massachusetts for full coverage policies.
The average cost of a full-coverage car insurance policy in Andover is $1,384 per year or $115 per month.
In Andover, State Farm offers the cheapest full coverage car insurance at $48 per month.

Written by:

Katrina Raenell

Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

Reviewed by:

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Andover, MA?

The average auto insurance rates in Andover, MA at various coverage levels are listed below:

State minimum: $476 per year
Liability-only coverage (50/100/50): $584 per year
Full coverage (100/300/100): $1,384 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

Company	State Minimum	Liability Only	Full Coverage
State Farm	$181	$236	$571
USAA	$274	$339	$1,057
Geico	$465	$576	$1,076
Safety Insurance	$380	$482	$1,109
American Family	$537	$622	$1,476
Arbella Insurance	$428	$566	$1,501
Progressive	$725	$813	$1,514
Travelers	$748	$919	$2,054
Allstate	$544	$701	$2,095

Note:

State Minimum: State minimum liability only
Liability Only: 50/100/50 liability only
Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Andover, MA?

Out of all the carriers available in Andover, State Farm offers the cheapest full coverage car insurance at $48 per month.

The second-cheapest car insurance company in Andover is USAA, offering car insurance at $88 monthly.

Cheapest Company	Full Coverage Monthly Rates
State Farm	$48
USAA	$88
Geico	$90
Safety Insurance	$92
American Family	$123
Arbella Insurance	$125
Progressive	$126
Travelers	$171
Allstate	$175

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Andover, MA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Massachusetts is considered as such because they have:

Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
An injury or a high-cost accident in the last three- to five-year period
A DUI conviction
A teen/inexperienced driver on their policy
A high-performance sports car
A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Andover, MA

See the average annual premium for drivers with two speeding tickets on their records in Andover, MA in the table below.

Cheapest Company	Full Coverage Monthly Rates with 2 Speeding Tickets
State Farm	$66
USAA	$122
Geico	$125
American Family	$183
Progressive	$184
Allstate	$260
Travelers	$262

Note:

Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Andover, MA

See the average annual premium for a driver convicted of DUI in Andover, MA in the table below.

Cheapest Company	Full Coverage Monthly Rates with 1 DUI
State Farm	$87
Progressive	$147
Geico	$154
USAA	$212
American Family	$231
Travelers	$257
Allstate	$361

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Andover, MA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Andover, MA, by age

Age is a key factor when considering car insurance rates in most cities, including Andover – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

Age	Cheapest Company	Full Coverage Monthly Rates
16	Allstate	$836
16	American Family	$865
16	Arbella Insurance	$550
16	Geico	$336
16	Progressive	$717
16	Safety Insurance	$464
16	State Farm	$156
16	Travelers	$434
16	USAA	$326
17	Allstate	$809
17	American Family	$865
17	Arbella Insurance	$550
17	Geico	$307
17	Progressive	$543
17	Safety Insurance	$508
17	State Farm	$156
17	Travelers	$356
17	USAA	$250
18	Allstate	$768
18	American Family	$865
18	Arbella Insurance	$550
18	Geico	$287
18	Progressive	$501
18	Safety Insurance	$478
18	State Farm	$156
18	Travelers	$332
18	USAA	$216
19	Allstate	$444
19	American Family	$473
19	Arbella Insurance	$302
19	Geico	$172
19	Progressive	$440
19	Safety Insurance	$264
19	State Farm	$94
19	Travelers	$289
19	USAA	$194
20	Allstate	$444
20	American Family	$397
20	Arbella Insurance	$302
20	Geico	$165
20	Progressive	$359
20	Safety Insurance	$243
20	State Farm	$94
20	Travelers	$268
20	USAA	$172
21	Allstate	$393
21	American Family	$261
21	Arbella Insurance	$284
21	Geico	$152
21	Progressive	$260
21	Safety Insurance	$153
21	State Farm	$89
21	Travelers	$267
21	USAA	$130
22	Allstate	$196
22	American Family	$146
22	Arbella Insurance	$136
22	Geico	$107
22	Progressive	$226
22	Safety Insurance	$110
22	State Farm	$48
22	Travelers	$259
22	USAA	$117
23	Allstate	$196
23	American Family	$146
23	Arbella Insurance	$128
23	Geico	$104
23	Progressive	$185
23	Safety Insurance	$108
23	State Farm	$48
23	Travelers	$253
23	USAA	$110
24	Allstate	$196
24	American Family	$146
24	Arbella Insurance	$128
24	Geico	$102
24	Progressive	$167
24	Safety Insurance	$107
24	State Farm	$48
24	Travelers	$167
24	USAA	$105
25	Allstate	$196
25	American Family	$144
25	Arbella Insurance	$128
25	Geico	$100
25	Progressive	$139
25	Safety Insurance	$106
25	State Farm	$48
25	Travelers	$190
25	USAA	$100
30	Allstate	$188
30	American Family	$138
30	Arbella Insurance	$128
30	Geico	$95
30	Progressive	$127
30	Safety Insurance	$100
30	State Farm	$48
30	Travelers	$178
30	USAA	$92
35	Allstate	$175
35	American Family	$129
35	Arbella Insurance	$125
35	Geico	$92
35	Progressive	$127
35	Safety Insurance	$92
35	State Farm	$48
35	Travelers	$173
35	USAA	$89
40	Allstate	$175
40	American Family	$123
40	Arbella Insurance	$125
40	Geico	$90
40	Progressive	$126
40	Safety Insurance	$92
40	State Farm	$48
40	Travelers	$171
40	USAA	$88
45	Allstate	$175
45	American Family	$116
45	Arbella Insurance	$125
45	Geico	$87
45	Progressive	$125
45	Safety Insurance	$92
45	State Farm	$48
45	Travelers	$164
45	USAA	$88
50	Allstate	$175
50	American Family	$109
50	Arbella Insurance	$125
50	Geico	$83
50	Progressive	$121
50	Safety Insurance	$88
50	State Farm	$48
50	Travelers	$155
50	USAA	$87
55	Allstate	$175
55	American Family	$103
55	Arbella Insurance	$125
55	Geico	$79
55	Progressive	$117
55	Safety Insurance	$85
55	State Farm	$48
55	Travelers	$148
55	USAA	$86
60	Allstate	$175
60	American Family	$96
60	Arbella Insurance	$125
60	Geico	$80
60	Progressive	$117
60	Safety Insurance	$86
60	State Farm	$48
60	Travelers	$153
60	USAA	$86
65	Allstate	$131
65	American Family	$127
65	Arbella Insurance	$95
65	Geico	$61
65	Progressive	$108
65	Safety Insurance	$75
65	State Farm	$36
65	Travelers	$137
65	USAA	$68
70	Allstate	$131
70	American Family	$96
70	Arbella Insurance	$103
70	Geico	$65
70	Progressive	$121
70	Safety Insurance	$78
70	State Farm	$36
70	Travelers	$155
70	USAA	$72
75	Allstate	$131
75	American Family	$96
75	Arbella Insurance	$103
75	Geico	$74
75	Progressive	$135
75	Safety Insurance	$80
75	State Farm	$36
75	Travelers	$175
75	USAA	$80

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Andover, MA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Final thoughts: Car insurance cost in Andover, MA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Andover, MA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Andover, Massachusetts.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

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Laura Longero

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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