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Watertown Car Insurance Resources

Watertown, MA Car Insurance

Cars Insured in Watertown

^ There are an estimated 20,746 vehicles currently insured in Watertown. [1]

Car Insurance Rates in Watertown

^ From 2006 to 2010, Massachusetts cities had the 11th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Watertown

^ There are an estimated 1,027 uninsured motorists driving in Watertown. [3]

MA Car Insurance

Watertown Car Insurance

Car Insurance Liability Requirements in Watertown

  • Minimum Liability Limits in Watertown: 20/40/5 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Watertown

Required Car Insurance Coverage in Watertown
  • Watertown Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Watertown

  • Insurer Verification of Auto Insurance in Watertown [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Watertown Car Insurance Facts, Estimates & Related Laws

Watertown Car Insurance Stats

Watertown Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Watertown
    • Based on historical and current data, 20,746 cars are currently insured in Watertown. [5]
    • Massachusetts cities collectively ranked 16th in the nation in auto insurance policies in 2011 with a total of 4,256,127. [1]
  • Uninsured Motorist Rate in Watertown
    • Based on historical and current data, Watertown has an estimated 1,027 uninsured drivers. [6]
    • Massachusetts cities collectively had the 50th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Watertown
    • Massachusetts cities collectively had the 12th highest auto insurance rates in the nation in 2010. [2]

Watertown Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers and passenger bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Watertown Automotive Laws

  • Minimum Driving Age in Watertown [9]
    • Watertown, MA minimum driving age: 16 years.
  • Driver's License Renewal Cycle in Watertown
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Watertown
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Watertown
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 13+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]

Massachusetts Car & Driver Facts

Massachusetts Auto Registrations

Massachusetts Car & Driver Facts
  • Auto Registrations in MA [8]
    • Registered Cars: 3,180,009
    • Registered Trucks: 2,344,721
    • Registered Motorcycles: 159,007
    • Total Registrations: 5,695,327
    • Rank: Massachusetts ranked 15th in the United States in total auto registrations in 2011.

Massachusetts Automotive Facts

  • Speed Limits in MA
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Massachusetts Motor Fuel Consumption
    • Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011. [10]

Massachusetts Licensed Drivers

  • Licensed Drivers in MA [11]
    • Female Drivers: 2,369,052
    • Male Drivers: 2,314,271
    • Total Drivers: 4,683,323
    • Rank: 15th highest in the U.S.

Additional information about Watertown, MA

About Watertown

Watertown (Massachusetts) is a city with a population of 31,915 [12] that is located in Middlesex County.

MA Car Insurance

More about Watertown auto insurance

For more information about Watertown car insurance, or for additional resources regarding Massachusetts car insurance overall, visit the Massachusetts Department of Insurance.

Did you know?

Motorcyclists are currently required by law to wear a helmet are in place in 19 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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