Most North Shore commuter towns funnel people onto Route 128 every morning and call it a day. Beverly doesn't work quite that way. A city of about 42,700 people supports four separate MBTA commuter rail stops — Beverly Depot, North Beverly, Montserrat, and Beverly Farms — on the Newburyport/Rockport Line, which is an unusual amount of rail access for a city this size and a real reason some residents drive far fewer miles than a typical Massachusetts commuter.

Beverly Auto Insurance at a Glance

  • Average premium: about $89/month ($1,314/yr) for minimum coverage
  • Full coverage: around $124/month ($1,482/yr)
  • State minimum liability: 25/50/30 plus mandatory $8,000 PIP
  • Fault system: No-fault statewide — PIP pays first regardless of blame
  • Vehicle theft rate: ~46.5 per 100,000 residents, well below the national ~284
  • Regulator: Massachusetts Division of Insurance

What a Beverly Policy Has to Include

Beverly drivers carry the same statewide floor as every other Massachusetts city: 25/50/30 liability, meaning $25,000 in bodily injury coverage per person, $50,000 per accident, and $30,000 for property damage. Layered on top is $8,000 of Personal Injury Protection, required on every policy, and 25/50 uninsured/underinsured motorist coverage, which also can't be waived away.

Because Massachusetts runs no-fault, your own PIP pays your medical bills and lost wages after a crash before anyone argues about who caused it. Insurers here also can't use a credit-based score to set the price — Massachusetts is one of just three states that bans the practice — so a Beverly quote is built from driving record, vehicle, and coverage choices instead.

Four Rail Stops, Fewer Miles Logged

Beverly Depot sits downtown; North Beverly, Montserrat, and Beverly Farms spread coverage across the rest of the city, with Montserrat doubling as a park-and-ride lot for Route 128 commuters headed into Boston. That density of stations means a driver who rides the train three or four days a week can realistically log a low enough annual mileage to qualify for a usage-based or low-mileage discount most major carriers offer.

It doesn't happen automatically. The discount usually requires reporting mileage or opting into a telematics program, so it's worth asking a Beverly-based agent directly rather than assuming a nearby station lowers the bill on its own.

A Reverse Commute and Low Theft Numbers

Beverly isn't a pure bedroom community. Cummings Center, a converted United Shoe Machinery industrial complex with roughly 2.4 million square feet of office and lab space, plus Endicott College and the city's hospitals, draws workers and students into Beverly each weekday morning even as commuters head out toward Boston. That two-directional flow spreads traffic across Route 128, Route 1A, and Elliott Street instead of stacking it all one way, and tends to show up as parking-lot dings more than serious highway claims.

  • Theft rate: about 46.5 per 100,000 residents, roughly a sixth of the national average.
  • Traffic pattern: reverse-commute employers offset some of the outbound rush toward Boston.
  • Trade-off: low theft risk keeps comprehensive premiums reasonable even with heavier daytime traffic.

Beverly Airport, a small general-aviation field on the city's north side, doesn't add meaningful car traffic, but it's one more reminder that Beverly carries more transportation infrastructure — rail, highway, and air — than its population alone would suggest.

Next Step for Beverly Drivers

Confirm you're carrying at least 25/50/30 liability with the mandatory $8,000 PIP and 25/50 UM/UIM, then ask a couple of carriers whether your actual driving habits — train commuter or not — qualify for a low-mileage discount. See our guide to lowering your premium for the other levers that move the number most in a city like Beverly.