Buy Cheap Ludlow, MA Auto Insurance in 2024
Ludlow, MA auto insurance rates average $264 a month. Minimum auto insurance requirements in Ludlow, Massachusetts are 20/40/5 to comply with Massachusetts laws. To buy cheap auto insurance in Ludlow, MA, compare Ludlow auto insurance quotes from top companies.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Ludlow after a DUI is Liberty Mutual
- Average auto insurance rates in Ludlow, MA for teens drivers are $6,258/year
- Average auto insurance rates in Ludlow, MA after a DUI are $3,893/year
Finding affordable Ludlow, Massachusetts auto insurance can be challenging, but everything you need to know to buy cheap Ludlow, MA auto insurance with confidence is right here. Auto insurance rates in Ludlow are affected by local factors as well as personal ones like your driving record.
See how Ludlow, MA car insurance rates compare to Lynn auto insurance rates, Fall River auto insurance rates, and Springfield auto insurance rates before you read more about the cost of auto insurance in Ludlow.
Don’t buy Ludlow, MA auto insurance until you’ve compared rates. Get free Ludlow, Massachusetts auto insurance quotes when you enter your ZIP code above.
Ludlow, MA Minimum Auto Insurance Requirements
The required auto insurance in Ludlow, MA is 20/40/5 according to the auto insurance laws in Massachusetts. The minimum auto insurance in Ludlow, Massachusetts is outlined here.
Minimum Required Auto Insurance Coverage in Ludlow, Massachusetts
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Buy Cheap Ludlow, MA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Ludlow, Massachusetts auto insurance rates? Find out how car insurance rates in Ludlow, MA are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ludlow, Massachusetts
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,263 | $2,263 | $2,263 | $2,263 | $7,816 | $7,816 | $2,528 | $2,528 |
| Geico | $2,047 | $2,047 | $1,899 | $1,899 | $5,723 | $5,723 | $2,111 | $2,111 |
| Liberty Mutual | $3,009 | $3,009 | $2,622 | $2,622 | $9,767 | $9,767 | $3,149 | $3,149 |
| Progressive | $2,178 | $2,178 | $2,091 | $2,091 | $8,237 | $8,237 | $2,356 | $2,356 |
| State Farm | $1,000 | $1,000 | $1,000 | $1,000 | $2,941 | $2,941 | $1,000 | $1,000 |
| Travelers | $2,886 | $2,886 | $2,546 | $2,546 | $5,824 | $5,824 | $3,180 | $3,180 |
| USAA | $1,492 | $1,492 | $1,470 | $1,470 | $3,499 | $3,499 | $1,649 | $1,649 |
Buy Cheap Ludlow, MA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Ludlow can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Ludlow, MA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Ludlow, Massachusetts
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,816 | $7,816 |
| Geico | $5,723 | $5,723 |
| Liberty Mutual | $9,767 | $9,767 |
| Progressive | $8,237 | $8,237 |
| State Farm | $2,941 | $2,941 |
| Travelers | $5,824 | $5,824 |
| USAA | $3,499 | $3,499 |
Buy Cheap Ludlow, MA Auto Insurance for Seniors
You can save on senior auto insurance rates in Ludlow, Massachusetts by comparing Ludlow senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Ludlow, MA here.
Annual Auto Insurance Rates for Senior Drivers in Ludlow, Massachusetts
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,263 | $2,263 |
| Geico | $1,899 | $1,899 |
| Liberty Mutual | $2,622 | $2,622 |
| Progressive | $2,091 | $2,091 |
| State Farm | $1,000 | $1,000 |
| Travelers | $2,546 | $2,546 |
| USAA | $1,470 | $1,470 |
Find Cheap Auto Insurance Rates in Ludlow, MA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Ludlow, Massachusetts auto insurance. Compare Ludlow, MA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Ludlow, Massachusetts
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,402 | $3,780 | $3,970 |
| Geico | $2,708 | $3,000 | $3,127 |
| Liberty Mutual | $4,333 | $4,697 | $4,880 |
| Progressive | $3,398 | $3,785 | $3,964 |
| State Farm | $1,348 | $1,511 | $1,596 |
| Travelers | $3,256 | $3,676 | $3,895 |
| USAA | $1,879 | $2,062 | $2,142 |
Find Cheap Ludlow, MA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Ludlow. Compare auto insurance rates in Ludlow, MA by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Ludlow, Massachusetts
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,594 | $3,841 |
| Geico | $2,890 | $3,000 |
| Liberty Mutual | $4,455 | $4,819 |
| Progressive | $3,716 | $3,716 |
| State Farm | $1,450 | $1,521 |
| Travelers | $3,433 | $3,785 |
| USAA | $1,972 | $2,084 |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Find Cheap Ludlow, MA Auto Insurance Rates by Driving Record
Auto insurance rates in Ludlow, Massachusetts are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Ludlow, MA, take a look at the average cost for various violations versus rates for a clean driving record in Ludlow.
Annual Ludlow, Massachusetts Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,890 | $4,290 | $4,800 | $2,890 |
| Geico | $2,355 | $3,241 | $3,698 | $2,484 |
| Liberty Mutual | $3,655 | $4,990 | $5,999 | $3,903 |
| Progressive | $3,121 | $4,400 | $3,492 | $3,850 |
| State Farm | $1,180 | $1,601 | $1,900 | $1,261 |
| Travelers | $2,810 | $3,881 | $4,178 | $3,567 |
| USAA | $1,442 | $1,874 | $3,181 | $1,613 |
Find Cheap Ludlow, MA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Ludlow, Massachusetts is higher than for a clean driving record. You can buy auto insurance after a DUI in Ludlow for less when you shop around and compare rates from multiple Ludlow, MA auto insurance companies.
Annual Auto Insurance Rates After a DUI in Ludlow, Massachusetts
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,800 |
| Geico | $3,698 |
| Liberty Mutual | $5,999 |
| Progressive | $3,492 |
| State Farm | $1,900 |
| Travelers | $4,178 |
| USAA | $3,181 |
Winners by Category: Where to Buy Cheap Auto Insurance in Ludlow, MA
Compare rates from the cheapest auto insurance companies in Ludlow, MA for your needs. Take a look at how Ludlow, Massachusetts auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Ludlow, Massachusetts
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Find Cheap Ludlow, Massachusetts Auto Insurance Companies
If you’re looking for the cheapest Ludlow, MA auto insurance companies overall, you can compare them here. Find the best price for Ludlow, Massachusetts car insurance by company.
Average Annual Auto Insurance Rates by Company in Ludlow, Massachusetts
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,718 |
| Geico | $2,945 |
| Liberty Mutual | $4,637 |
| Progressive | $3,716 |
| State Farm | $1,485 |
| Travelers | $3,609 |
| USAA | $2,028 |
Read more: Best Cheap Auto Insurance in Massachusetts
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare Auto Insurance Quotes in Ludlow, MA
You can buy cheap Ludlow, MA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Ludlow, Massachusetts auto insurance quotes from top companies.
Frequently Asked Questions
What factors can affect the cost of auto insurance in Ludlow, MA?
Several factors can impact the cost of auto insurance in Ludlow, MA. These factors include your age, driving record, type of vehicle, coverage options selected, deductible amount, and the level of risk associated with the area where you live. Insurance companies also consider factors such as local crime rates, population density, and the frequency of accidents in the area.
Are there any specific discounts available for auto insurance in Ludlow, MA?
Yes, there are various discounts available for auto insurance in Ludlow, MA. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), multi-car discounts (if you insure more than one vehicle with the same company), and discounts for safety features or anti-theft devices installed in your vehicle. It’s recommended to inquire with insurance providers about the specific discounts they offer.
How can I find cheap auto insurance in Ludlow, MA?
To find cheap auto insurance in Ludlow, MA, it’s advisable to shop around and compare quotes from different insurance providers. You can reach out to local insurance agents, use online insurance comparison tools, or consult with an insurance broker who can help you find the best rates. It’s important to consider both the price and the coverage options provided to ensure you get the most suitable insurance for your needs.
Are there any Ludlow, MA-specific insurance considerations I should be aware of?
While there may not be Ludlow, MA-specific insurance considerations, it’s essential to be aware of the requirements and regulations set by the state of Massachusetts. Massachusetts requires drivers to carry minimum liability insurance coverage and also mandates Personal Injury Protection (PIP) coverage. Additionally, factors such as local weather conditions, road infrastructure, and traffic patterns in the Ludlow area may indirectly impact insurance rates.
What are the recommended coverage options for auto insurance in Ludlow, MA?
The recommended coverage options for auto insurance in Ludlow, MA include liability coverage, Personal Injury Protection (PIP), uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. Liability coverage helps cover costs if you are at fault in an accident that causes injury or property damage to others. PIP provides coverage for medical expenses and lost wages for you and your passengers. Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who has insufficient insurance. Collision coverage helps pay for damages to your vehicle in a collision, while comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
How can I lower my auto insurance premium in Ludlow, MA?
There are several ways to potentially lower your auto insurance premium in Ludlow, MA. These include maintaining a clean driving record, opting for a higher deductible (if financially feasible), bundling your auto insurance with other policies, taking advantage of available discounts, and completing defensive driving courses. Additionally, some insurance providers offer usage-based or pay-as-you-go insurance programs that reward safe driving habits.
Is it possible to find affordable auto insurance in Ludlow, MA?
Yes, it is possible to find affordable auto insurance in Ludlow, MA. By shopping around, comparing quotes, and exploring available discounts, you can find insurance coverage that fits your budget. It’s important to consider factors beyond price, such as coverage limits and customer service, to ensure you have adequate protection in case of an accident or other unforeseen events.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.