Andover, MA Auto Insurance Guide (Coverage + Costs)

If you're preparing for your Andover, MA car inspection, you'll want to make sure you auto insurance is up to date. The average Andover auto insurance rate it $237 per month, but you can reduce your rates by maintaining a good driving record. The cheapest Andover auto insurance companies are Allstate, GEICO, and Liberty Mutual. Compare these companies against each other by entering your ZIP code below for your free Andover auto insurance quote.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 2020

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AndoverDetails
City Population36,500
City Density2,366 people per square mile
Average Cost of Car Insurance$2,844.34
Cheapest Car Insurance ProviderState Farm
Road ConditionsPoor Share – 14%
Mediocre Share – 13%
Fair Share – 8%
Good Share – 65%
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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.

Table of Contents

Auto Insurance Rates in Andover

Car insurance in Andover will have different rates than 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:

Local Agents in Andover, MA
Doherty Insurance Agency
21 Elm St, Andover, MA 01810
(978) 475-0260
Eastern Bank Insurance
60 Main St, Andover, MA 01810
(978) 475-3414
Howe Insurance Agency
4 Punchard Ave, Andover, MA 01810
(978) 475-0400
Haut Insurance Agency
80 Chestnut St, Andover, MA 01810
(978) 475-0367
Samel Insurance Agency
15 Central St, Andover, MA 01810
(978) 474-0810
Fred C Church
89 Main St Ste 201, Andover, MA 01810
(800) 225-1865
Segreve & Hall Insurance Associates
305 N Main St, Andover, MA 01810
(978) 975-1300
Steven Charette
800 Turnpike St Ste 300, North Andover, MA 01845
(978) 686-0170
Circle Insurance Agency
471 Andover St, North Andover, MA 01845
(978) 685-1813
R C Lafond Insurance Agency
396 Andover St, North Andover, MA 01845
(978) 686-3826
Steven Charette
800 Turnpike St Ste 300, North Andover, MA 01845
(978) 686-0170
Circle Insurance Agency
471 Andover St, North Andover, MA 01845
(978) 685-1813
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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.

DemographicRate
Single 17-year-old female$5,666.56
Single 17-year-old male$5,666.56
Single 25-year-old female$2,042.47
Single 25-year-old male$2,042.47
Married 35-year-old female$1,895.58
Married 35-year-old male$1,895.58
Married 60-year-old female$1,772.76
Married 60-year-old male$1,772.76
Average$2,844.34
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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.

ZIP CodeAverage Annual Rate
01810$2,844.34
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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.

CompaniesSingle 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old MaleAverage
Allstate$7,782.04$7,782.04$2,425.32$2,425.32$2,161.70$2,161.70$2,161.70$2,161.70$3,632.69
Geico$5,151.04$5,151.04$1,857.25$1,857.25$1,799.63$1,799.63$1,667.17$1,667.17$2,618.77
Liberty Mutual$8,757.79$8,757.79$2,744.10$2,744.10$2,622.58$2,622.58$2,286.52$2,286.52$4,102.75
Progressive$7,346.90$7,346.90$2,128.76$2,128.76$1,965.29$1,965.29$1,885.08$1,885.08$3,331.51
State Farm$2,393.67$2,393.67$862.48$862.48$862.48$862.48$862.48$862.48$1,245.28
Travelers$5,250.15$5,250.15$2,860.14$2,860.14$2,571.57$2,571.57$2,279.60$2,279.60$3,240.37
USAA$2,984.30$2,984.30$1,419.27$1,419.27$1,285.83$1,285.83$1,266.78$1,266.78$1,739.05
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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.

Group10-Mile Commute.
6,000 Annual Mileage.
25-Mile Commute.
12,000 Annual Mileage.
Average
Allstate$3,518.63$3,746.75$3,632.69
Geico$2,567.35$2,670.19$2,618.77
Liberty Mutual$3,941.98$4,263.52$4,102.75
Progressive$3,331.51$3,331.51$3,331.51
State Farm$1,215.99$1,274.56$1,245.28
Travelers$3,090.62$3,390.11$3,240.37
USAA$1,691.26$1,786.83$1,739.05
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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.

CompaniesHighMediumLowAverage
Allstate$3,834.29$3,691.56$3,372.22$3,632.69
Geico$2,779.97$2,667.31$2,409.03$2,618.77
Liberty Mutual$4,306.80$4,154.80$3,846.65$4,102.75
Progressive$3,538.86$3,399.06$3,056.60$3,331.51
State Farm$1,332.94$1,267.97$1,134.91$1,245.27
Travelers$3,479.95$3,310.17$2,930.97$3,240.36
USAA$1,837.95$1,768.17$1,611.02$1,739.05
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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.

CompaniesClean RecordWith One AccidentWith One Speeding ViolationWith One DUIAverage
Allstate$2,818.31$4,180.81$2,818.31$4,713.35$3,904.16
Geico$2,096.04$2,881.35$2,209.25$3,288.44$2,755.28
Liberty Mutual$3,238.44$4,408.98$3,452.94$5,310.65$4,319.36
Progressive$2,805.39$3,937.76$3,453.06$3,129.83$3,290.99
State Farm$985.96$1,341.88$1,055.83$1,597.44$1,308.43
Travelers$2,534.24$3,497.46$3,210.50$3,719.27$3,250.32
USAA$1,240.58$1,608.12$1,386.58$2,720.90$1,856.53
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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.

Andover Metro Report – GrowthData
Growth40th of 100
Jobs50th of 100
Gross Metropolitan Product (GMP)19th of 100
Jobs At Young Firms48th of 100
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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.

Andover Metro Report – ProsperityData
Prosperity8th of 100
Productivity13th of 100
Standard of Living11th of 100
Average Annual Wage10th of 100
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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.

EthnicityMiscellaneous ManagersPremiums as Percentage of IncomeRegistered NursesPremiums as Percentage of IncomeElementary and Middle School
Teachers
Premiums as Percentage of IncomeSecretaries and Administrative
Assistants
Premiums as Percentage of IncomeCashiersPremiums as Percentage of Income
American Indiann/an/a$57,3554.96%n/an/a$43,1416.59%n/an/a
Asian$114,9782.47%$85,4383.33%$39,8797.13%$34,4468.26%$17,61416.15%
Black$77,6673.66%$64,1994.43%$49,3235.77%$40,5637.01%$14,20320.03%
Native Americann/an/an/an/an/an/an/an/a$9,15431.07%
White$113,2852.51%$74,0283.84%$57,1234.98%$40,9066.95%$13,07921.75%
Two or More Races$88,6693.21%$70,5634.03%$46,1226.17%$29,4919.64%$12,59722.58%
Other$77,9573.65%$57,4034.96%$46,7386.09%$35,9937.90%$11,67924.35%
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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.

GenderMiscellaneous ManagersPremiums as Percentage of IncomeRegistered NursesPremiums as Percentage of IncomeElementary and Middle School
Teachers
Premiums as Percentage of IncomeSecretaries and Administrative
Assistants
Premiums as Percentage of IncomeCashiersPremiums as Percentage of Income
Male$129,061.002.20%$84,435.003.37%$67,0444.24%$60,7724.68%$31,9808.89%
Female$93,235.003.05%$82,898.003.43%$61,7104.61%$47,2686.02%$26,00910.94%
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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.

JobsNumber of Employees
Management, Business, Science, and Arts2,830
Sales and Office 708
Service602
Production, Transportation, and Material Moving251
Natural Resources, Construction, and Maintenance 85
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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.

Map of Highways in Andover, Massachusetts

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.

Road Conditions% of Roads
Poor Share14%
Mediocre Share13%
Fair Share8%
Good Share65%
VOC$306
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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.

Time of DaySpeed
Peak17.92 mph
Off Peak33.08 mph
Free Flow45.08 mhp
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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.

Time of DayCongestion Level
Morning45%
Evening54%
Highway23%
Non-Highway28%
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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.

Type of IndexAmount
Traffic195.88
Time (in minutes)43.36
Inefficiency218.34
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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.

Counties20142015201620172018
Barnstable1612181416
Berkshire912121117
Bristol4041514531
Dukes11012
Essex2723333629
Franklin5115811
Hampden3430403537
Hampshire10611612
Middlesex4548643448
Nantucket01002
Norfolk4138313238
Plymouth5038394532
Suffolk2630342520
Worcester5053495565
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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.

Counties20142015201620172018
Barnstable64858
Berkshire25235
Bristol1515221710
Dukes00001
Essex106997
Franklin12332
Hampden207181610
Hampshire53104
Middlesex1415161318
Nantucket00000
Norfolk2012121014
Plymouth2211162013
Suffolk1281194
Worcester1817252124
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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.

Counties20142015201620172018
Barnstable12811117
Berkshire710759
Bristol3026243119
Dukes01012
Essex1815232119
Franklin391610
Hampden2620252923
Hampshire657411
Middlesex3635481926
Nantucket01002
Norfolk2123231526
Plymouth3526253119
Suffolk2017242015
Worcester3626324139
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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.

Counties20142015201620172018
Barnstable53354
Berkshire52421
Bristol111113128
Dukes00001
Essex8811135
Franklin06330
Hampden145211311
Hampshire42206
Middlesex91012718
Nantucket00000
Norfolk7128139
Plymouth9815167
Suffolk2111135
Worcester1114231620
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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.

Counties20142015201620172018
Barnstable126989
Berkshire595610
Bristol2323272615
Dukes11002
Essex1811181818
Franklin38377
Hampden2218261921
Hampshire84629
Middlesex2425261519
Nantucket01001
Norfolk2021161024
Plymouth3026232722
Suffolk1079115
Worcester3220293738
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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.

Counties20142015201620172018
Barnstable16256
Berkshire52635
Bristol1081297
Dukes01011
Essex587137
Franklin21123
Hampden105151016
Hampshire10330
Middlesex81016919
Nantucket01001
Norfolk9910617
Plymouth75498
Suffolk131511813
Worcester5371218
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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.

Counties20142015201620172018
Barnstable83724
Berkshire45457
Bristol1917281511
Dukes00000
Essex1610151511
Franklin25252
Hampden1711221217
Hampshire52403
Middlesex1621171219
Nantucket00000
Norfolk241912815
Plymouth1915191315
Suffolk85882
Worcester2318282430
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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.

Counties20142015201620172018
Barnstable22442
Berkshire12314
Bristol87285
Dukes00010
Essex57467
Franklin00003
Hampden69497
Hampshire11423
Middlesex111120913
Nantucket01000
Norfolk698912
Plymouth117443
Suffolk129171113
Worcester1114886
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Essex County had 29 fatalities over five years. The most fatalities were in 2015 and 2018.

Below are the pedalcyclist fatalities.

Counties20142015201620172018
Barnstable12000
Berkshire00010
Bristol02121
Dukes00000
Essex00110
Franklin02001
Hampden10110
Hampshire00010
Middlesex23501
Nantucket00001
Norfolk10010
Plymouth10210
Suffolk23020
Worcester00020
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There were only two fatalities involving pedalcyclists in Essex County between 2014 and 2018.

Below are railroad and highway crash incidents in Andover.

Calendar YearHighway User SpeedHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
20130MainlineAutomobilePassenger Train00
20160Essex StreetAutomobilePassenger Train00
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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.

E-star ShopsAddressContact Info
Gate City Collision-Merrimack293 Daniel Webster Hwy
Merrimack, NH 03054
email: [email protected]
P: (603) 423-0111
F: (603) 423-0389
Gate City Collision Center561 Amhurst St.
Nashua, NH 03063
email: [email protected]
P: (603) 886-2867
F: (603) 595-4786
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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.

YearDays GoodDays Moderate Days
Unhealthy
(for
Sensitive
Groups)
Days
Unhealthy
Days Very
Unhealthy
201932934100
201831447400
201732141300
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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.

CompaniesDiscounts Provided
AllState1
Esurance1
Farmers1
Geico1
The General1
Liberty Mutual1
MetLife1
Safe Auto1
Safeco1
State Farm1
USAA2
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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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