Massachusetts auto insurance rates vary widely based on geographic location, with urban areas typically facing higher costs. According to Bankrate, drivers in Revere, with an average monthly premium of $229, encounter some of the highest rates in the state, while those in Newton pay about $133 on average. The higher rates in densely populated cities are attributed to factors such as increased traffic congestion and accident rates. Lawmakers are considering changes to the rating formula that could help reduce premiums for drivers in urban communities, which tend to be more diverse and face higher costs.
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