Get Affordable Andover, MA Auto Insurance Quotes (2024)

Andover has a population of under 50,000 people. If you are moving to Andover or if you already live in the city, you are probably wondering about car insurance costs.

You can never be too safe. Having car insurance is important if you are going to drive around your city. Finding car insurance can be difficult because there are so many companies and different types of coverage and many different rates. We are going to help you find the best coverage for you.

In this guide, we are going over car insurance in Andover and what kind of coverage you can receive.
But first, enter your ZIP code in our FREE quote comparison tool to compare rates.

Auto Insurance Rates in Andover

Get Affordable Massachusetts Auto Insurance Quotes: Car insurance rates in Andover vary from those in other cities in Massachusetts. In this section, we will cover the cost of car insurance in Andover and the cheapest company in the city. Remember USAA has low rates, but it is for the military.

Local Car Insurance Agents in Andover, MA

Finding a local agent doesn’t have to be hard:

Do gender & age affect my car insurance in Andover?

In certain states, car insurance companies can base your rates on your gender and age, but Massachusetts does not allow companies to base rates on gender.

Teens have higher rates, but the rates are the same for males and females. Drivers that are 60 years old pay less for insurance than other younger drivers. Drivers who are 25 years old will pay $269.71 more than 60-year-old drivers. Drivers who are 35 drivers pay $122.82 more than drivers that are 60.

What are the cheapest ZIP codes in Andover?

ZIP code rates are different even if they are in the same city. However, Andover has only one ZIP code.

This is the cheapest rate in Andover.

What’s the best car insurance company in Andover?

A lot of car insurance companies talk about what makes them the best. In this section, we are going to cover the best insurance companies Andover.

Cheapest Car Insurance Rates by Company in Andover

Below are the cheapest car insurance rates.

State Farm is the least expensive company for drivers. Liberty Mutual has the highest rates. The difference between the two companies’ rates for drivers older than 35 years of age is $1,760.10. The difference between the rates for drivers that are 25 years of age is $1,881.62.

Best Car Insurance for Commute Rates in Andover

Commute rates can change depending on if you have a long or short commute. Sometimes companies will charge you the same rate regardless of your commute distance.

Progressive charges the same rate for a 10-mile and 25-mile commute. Drivers with a 10-mile commute will pay less if they have State Farm, which offers lower rates for a 25-mile commute. The difference between the two is $58.57. Liberty Mutual has the highest rates for both commutes. The difference between the two rates is $321.54, much higher than State Farm.

Best Car Insurance for Coverage Level Rates in Andover

Below are the rates for high, medium, and low coverage in Andover.

State Farm has the lowest rates for all coverage levels. The difference between high and low coverage is $198.03. Allstate has the highest rates for all coverage levels. The difference between high and low coverage is $462.07. Travelers has the largest difference between high and low coverage. Drivers that choose Travelers will pay $548.98 more for high coverage than low coverage.

Best Car Insurance for Credit History Rates in Andover

You should always aim to keep a good credit score. In some states, companies can base rates on credit scores. Having bad credit can increase your rates while having a good credit score will give you lower rates. In Massachusetts, it is prohibited to based rates on credit scores.

Best Car Insurance for Driving Record Rates in Andover

Keeping a clean driving record is beneficial to keep your car insurance rates low. Having driving violations can increase your rates.

State Farm has the lowest rates for drivers. Drivers who have one accident pay $355.92 more than drivers with a clean record. Drivers with one speeding violation will pay $69.87 more, and drivers that have one DUI will pay $611.48 more.

What are some car insurance factors in Andover?

Finding a car insurance company in the city is easy, but you have to consider a few things before you go and buy car insurance. We are going to cover the different factors that go into finding car insurance in Andover.

Andover Metro Report

Below is the metro report for Andover. The tables cover growth and prosperity. The scale is from one to 100, with one as the best performing and 100 as the worse performing.

Growth measures the change in size in the metropolitan economy and entrepreneurship. Jobs measure the number of positions, both waged and salaried, part-time and full-time, in a metro economy. The GMP measures the value of the goods and services produced in the metro area. Jobs at young firms are the total number of jobs at young private-sector firms that are at least five years old.

In the United States, metropolitan economies expanded from 2016 to 2017. Out of 100 metro areas, 95 reported gains, 94 had an increase in jobs, 83 saw a rise in jobs at young firms.

Prosperity captures the average wealth and income produced. The GMP divided by the population is the metro economy’s average standard of living. Productivity is the measure of the metropolitan economy’s productivity. The average annual wage is the annual wage paid to workers by the number of jobs.

As growth spread across the metro areas, prosperity covered fewer places. Out of 100 metro areas, 78 reported gains in productivity, 90 reported an increase in wages, and 83 saw an increase in the standard of living.

Median Household Income in Andover

The median household income in Andover is $83,910. Andover’s median is higher by $21,973 than the United States’ median of $61,937. The median is also higher than the Boston-Cambridge median of $81,838 by $2,072.

The median household income increased in 2017 by $46. Andover’s median is higher than the Massachusetts median by $9,743. In Essex County, where Andover is located, the median is $10,377 less than Andover. The percentage of income is 3.39 percent.

Homeownership in Andover

The homeownership rate in Andover is 63.7 percent. This rate is lower than the national average by 0.2 percent. The median property value is $540,000, an increase of $41,000 from the previous year. Andover’s property value is higher than the United States by $347,000.

Education in Andover

Many cities in the United States are home to different colleges. Andover, unlike other cities, is not surrounded by colleges. There is only one, Massachusetts School of Law.

Wage by Race & Ethnicity for Common Jobs in Andover

As of 2017, the highest-paid race and ethnic group were Asian, followed by whites, then Native Hawaiian and Other Pacific Islanders. Asian residents were paid $68,518 — 1.06 percent more than other races and ethnic groups. In 2017, white residents were paid $64,668 and Native Hawaiian and Other Pacific Islander residents were paid $49,586.

In the table below are the wages by race and ethnicity for common jobs and the premiums as a percentage of income.

Different races and ethnicities are paid differently for common jobs.

Wage by Gender for Common Jobs in Andover

The average salary for common jobs is different for each gender. In 2017, the average salary for male residents was $84,043, but for females, it was $62,850. Male employees made 1.34 percent more than female employees.

Below are the wages for common jobs by gender.

The difference in wages for male and female registered nurses is $1,537.

Poverty by Age & Gender in Andover

Poverty affects many people, but some are more affected than others. In 2017, the largest demographic in poverty were males between 18–24. In Andover, the poverty rate was 9.93 percent (753 out of 7,580 people), lower than the national average by 3.17 percent.

Poverty by Race & Ethnicity in Andover

During 2017, the largest group in poverty in Andover were white residents, followed by Asians, and then Hispanics. There were 62.6 percent of white residents living in poverty, 14.4 percent of Asians residents, and 13.1 percent of Hispanics. Black, Native Americans, and Pacific Islanders had the lowest poverty rates.

Employment by Occupations in Andover

Between the years of 2016 and 2017, the employment rates dropped in Andover by 3.43 percent. The most common job in Andover is Management Occupations, with 677 employees. Other popular jobs are Education Instruction and Library with 607 employees and Sales with 425 employees.

There are the least amount of employees working in construction in Andover.

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Driving in Andover

As a driver in Andover, you should know the driving laws in the city but also how the roads and weather will affect you as a driver. In this section, we will cover Andover’s driving laws, major roads, the type of vehicles in the city, parking, and traffic.

What are the major roads in Andover?

Andover has major roads that run through the city. Each route can get drivers through the state and to surrounding areas.

Major Highways

Massachusetts has 13 active routes in the state. The highways make up 565.63 miles.

Below are the routes in Andover.

• MA 28
• MA 114
• I-93
• MA 125
• I-495

Massachusetts has tolls roads.

Popular Road Trips/Sites

Andover may be a small city, but it still has cool sites to see and activities to do. Here’s a list.

• Visit the Addison Gallery of American Art.
• Visit the Charles H. Ward Reservation.
• Go on a hike on the Bay Circuit Trail.
• Dine at different restaurants around the city.
• Practice your golf skills at the Andover Country Club.

Some of these activities may cost money.

Road Conditions

Below are the road conditions in Andover.

There are more good roads than other roads.

Does Andover use speeding or red-light cameras?

Running red lights can cost you. Some states have placed red-light cameras around their cities to prevent accidents caused by drivers running red lights. In 2018, 846 people were killed because drivers ran red lights.

Slugly, the state of Massachusetts does not have red-light cameras.

Red-light cameras photograph cars that run red lights. The camera does not take pictures of anything else. Red light camera citations, more often than not, are treated as civil offenses rather than moving violations.

What type of vehicles are in Andover?

Residents in Andover all have different cars they like to drive. We are going to cover the most popular vehicles in Andover and how many people drive in the city.

Most Popular Vehicles Owned

Residents of Massachusetts drive a variety of different vehicles. The most popular vehicle in Andover is the Honda Accord. Honda is one of the most popular car brands in the state.

The Honda Accord is a mid-size sedan. It can fit up to five passengers and uses a 1.5-liter turbocharged engine. You can get 30 miles per gallon in the city and 38 miles per gallon on the highway.

How many cars per household?

Most households, 39.5 percent, own two cars. The average is less than the United States’ average of 41.2 percent. Andover has 23 percent of households that own three cars and 22.9 percent that own one car. There are 1.7 percent of households with five or more cars.

Households Without a Car

Andover has an average of 5.52 percent of households that don’t have a car. The average of U.S. residents without a car is 4.37 percent. Andover’s average is higher than the national average. The average increased from 2016 to 2017.

Speed Traps in Andover

Speed traps are tactics used by police enforcement to get drivers to follow the speed limits. Slugly, drivers in Andover have acknowledged over five speed traps in the city.

Vehicle Theft in Andover

Having your car stolen is an unfortunate experience. Vehicle theft happens everywhere. In 2017, Andover experienced 23 motor vehicle thefts. The safest neighborhood in Andover is Lowell Junction. The crime index is 85, meaning Andover is safer than 85 percent of cities. Chances of being a victim of violent crime are one in 5,200.

The chances of being a victim of a property crime are 1 in 210. The crime rate per 1,000 people is 4.94. Andover’s crime rate is lower than 77 percent of Massachusetts’ communities. Andover is ranked as one of the top 100 safest cities.

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How is traffic in Andover?

Traffic can affect your daily commute and add extra time. Sometimes we sit in traffic longer than we want to. But when you live in a smaller city, traffic probably won’t be as big as a problem. We are going to go over the traffic in Andover.

Traffic Congestion in Andover

Since Andover is a smaller city, we are going to cover the largest metropolitan area near the city, Boston.

Boston, Massachusetts, is the eighth-most congested city in the world and the most congested in the United States. In 2018, drivers spent 164 hours in congestion. The cost of congestion is $2,291.

Boston’s congestion level in 2019 was 26 percent; it increased by 1 percent from 2018. The worst day to travel is Thursday from 5 to 6 p.m. The best day to travel is December 25th, as the congestion level was 2 percent. The worst day to travel was February 12th, the congestion level was 47 percent.

As a morning commuter, you will have to add 14 extra minutes to your 30-minute trip. As a night commuter, you will add 16 minutes per every 30-minute trip. Traffic is at its highest on Monday and Friday, between 6–9 a.m. and 2–6 p.m. Traffic is the lightest during Saturday and Sunday.

The table below is the traffic index in Boston.

The traffic index is the composite of the time spent in traffic due to a commute. The time index is the time needed to transport. The inefficiency index is the inefficiencies in traffic.

Transportation

Most drivers in Andover choose to drive alone. The average amount of drivers that drove alone was 66.5 percent. There were 11 percent of residents that walked and 8.88 percent of residents who worked from home. Taxis are the least-used mode of transportation in Andover. Bicycle use and other modes of transportation increased.

Fewer residents drove alone in previous years.

Busiest Highways

Andover has a lot of highways that go through the city. The busiest highway is Interstate 93. The highway runs through both Massachusetts, New Hampshire, and Vermont. Interstate 93 is also one of the most dangerous highways in America.

How safe are Andover streets & roads?

We are going to cover how safe it is to drive around Andover. The city of Andover is in Essex County. Below are all the fatalities that occurred in Essex County over a course of five years.

Essex County has had 148 fatalities over the past five years. Out of all the counties, Essex County has the sixth-highest amount of fatalities. Essex County has its most fatalities in 2017, it had the least fatalities in 2015.

In the table below are accidents by alcohol-impaired drivers.

Driving while under the influence of alcohol is dangerous and can cause not only injuries but fatalities. Essex County had 41 fatalities caused by alcohol-impaired drivers. It has the ninth-most fatalities in the state. Most of the fatalities occurred in 2014, and the least in 2015.

Below are the accidents for single vehicles.

Single vehicle accidents occur often. The number of fatalities by single vehicles in Essex County was 96. During 2016, Essex County saw the most fatalities, while the least occurred the year before. Essex County had fewer fatalities than Middlesex County and the same amount as Suffolk County.

Essex County has had many fatalities as a result of speeding.

Speeding can be fun, but also very dangerous. There were 45 fatalities caused by speeding during the five years. Fatalities increased every year until 2018.

The table below is fatalities by roadway departures.

Fatalities by roadway departure in Essex County were at its lowest in 2015. Fatalities increased in 2016 and kept a steady number for the next three years.

Below are the fatalities by intersections or intersections related.

Accidents can often occur at intersections. Essex County had a total of 40 fatalities involving intersections. The most fatalities occurred in 2017.

The table below is fatalities for passenger car occupants.

The most fatalities that involved passenger cars occurred in 2016 when Essex County had a total of 67 fatalities for occupants in a passenger car.

As a pedestrian, you will need to watch out for cars, and as a driver, you will have to pay attention to avoid fatalities.

Essex County had 29 fatalities over five years. The most fatalities were in 2015 and 2018.

Below are the pedalcyclist fatalities.

There were only two fatalities involving pedalcyclists in Essex County between 2014 and 2018.

Below are railroad and highway crash incidents in Andover.

There were no nonsuicide fatalities or nonsuicide injuries on railroads or highways in Andover.

Allstate America’s Best Drivers Report

Boston is ranked as the 198th-safest driving city in the United States. It moved up one rank from 2019. The average years between claims is 4.9, while the national average is 10.57. The hard-breaking events per 1,000 miles is 26.1.

Ridesharing

Ridesharing is very popular and very convenient these days. If you don’t own a car, it is the perfect way to get around. If you are to travel 5.2 miles, you will spend $15 for both Lyft and Uber. You will spend $18 for a taxi. If your ride is 1.4 miles, you will pay the same rate for a Lyft and an Uber, $8. A taxi will also cost the same price.

E-star Repair Shops

After you file your insurance claim, you can bring your car to an E-star shop. With an E-star facility, you can monitor your repairs with RepairView. You will be able to see photos of your car, follow the repair process, and get status updates. You can even contact the shop directly.

E-star shops provide quality repairs and great customer service. The E-star shops listed below are the closest to Andover.

If you need more information contact your sales representative.

What is the weather like in Andover?

Driving in nice weather is ideal, but the weather can be unpredictable. We are going to go over the weather around Andover.

The annual high temperature is 59 degrees Fahrenheit. The annual low temperature is 44 degrees Fahrenheit. The average rainfall is 43.56 inches. There are 120 days without precipitation, and there are 2,633 annual hours of sunshine.

The number of natural disasters in Essex County was 33; the national average was 13.

Is public transit available in Andover?

Public transportation is an important staple in cities. It helps residents get from place to place if they don’t own a car. The city of Andover uses the Merrimack Valley Regional Transit Authority (MVRTA). The fares for the bus are under two dollars, and children under 12 can ride for free, as can students with ID cards. MVRTA is accessible to persons with disabilities.

Rides are not available for major holidays.

Are other alternate transportation options available in Andover?

If you do not use the bus, you can use the ridesharing services Lyft and Uber or get a taxi. Rent-A-Bike and electric scooters may be available. Andover does have local bike shops in the city.

Is parking easy in Andover?

Parking can be a headache. If you have a large car, parking can be an even bigger pain. Andover makes parking easy by using a parking app to help its residents. It also has parking meters that no longer have time limits.

Andover has 111 charging stations for electric cars.

How is the air quality in Andover?

You may not think about it, but the quality of the air you breathe is important.

Essex County had more good days than moderate and unhealthy days in terms of air quality. You don’t have to worry if the air is safe to breathe.

Military/Veterans

In Andover, 168 veterans served in Vietnam, 89 veterans served in Korea, 14 that served in World War II, and 19 served in the Gulf War in the 90s.

The closest military bases to Andover are Fort Devens and Hanscom AFB. Below are the military discounts for different car insurance companies.

USAA provides coverage in Massachusetts.

Unique City Laws

Sometimes there are laws in place we do not understand, but you should know them, anyway. We are going to cover the unique driving laws in the city. Did you know gorillas are not allowed to be in the backseat of a vehicle and stopping at a red light is not required by law unless the light is flashing?

These are only a couple of laws in place, but they are very interesting.

Massachusetts recently passed its hands-free law that affects the entire state. Drivers are not allowed to have their cellphones in hand while driving. For the first offense, the fine will be $100, the second offense the fine will be $250 and the mandatory completion of a distracted driving course. Between 2014 to 2018, there were more than 16,500 crashes caused by drivers being on an electronic device.

Drivers under the age of 18 are not allowed to use electronics behind the wheel.

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Andover Car Insurance FAQs

We have reached the end of our guide and hoped you learned a lot about car insurance in Andover. You might have some more questions about the city. Below are the frequently asked questions about Andover.

Is Andover a nice place to live?

If you plan on moving to Andover there are a few things you should know. Andover, Massachusetts, is not a large city. It has low crime rates and an excellent school system. The city is great for raising families and has great activities for adults.

Is Andover a safe place to live?

Andover is one of the safest cities in the county. You are less likely to be a victim of violent crime in Andover than in the United States. The city of Andover is safer than most of the state of Massachusetts.

How far is Andover from Boston?

If you want to pop into Boston every once in a while, you won’t have to travel far. Boston is only 23.6 miles away, about a 30-minute drive. You can travel on I-93 to get there.

What towns are near Andover?

You may live or want to live in Andover and wonder what towns are nearby. Andover is surrounded by Lawrence, Methuen, North Andover, North Reading, Wilmington, Dracut, and Tewksbury. The closest major cities to Andover are Boston, New York, and Jersey City.

Where is North Andover, Massachusetts?

North Andover is located north of the city of Andover. North Andover is a different city from Andover. The city is 27.6 miles away from the city of Boston.

How old is Andover?

The city of Andover is 378 years old.

Now that you know about Andover, let us know how we did. Did we miss anything in this guide?

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