North Andover sits one town over from Andover, shares the same 01845/01810 corner of the Merrimack Valley, and somehow out-earns it. Car insurance here has to price roughly 31,500 residents with a median household income of $140,670 — higher than Andover's and nearly a third above the state figure.

No reliable aggregator publishes a current, city-specific premium for North Andover, so the Massachusetts averages of $111 a month for minimum coverage and $202 a month for full coverage are the fair starting point. What shifts locally is where North Andover drivers tend to land within that range.

North Andover Auto Insurance at a Glance

  • Minimum liability required: 25/50/30 (same statewide floor as all of Massachusetts)
  • State average minimum coverage: ~$111/mo ($1,327/yr)
  • State average full coverage: ~$202/mo ($2,429/yr)
  • Population: roughly 31,500
  • Median household income: $140,670
  • Crime index: about 4.2 times below the national average

The Floor Doesn't Change With Income

A high-income town still answers to the same statewide rules. Every North Andover policy needs at least 25/50/30 liability — $25,000 in bodily injury coverage per person, $50,000 per accident, $30,000 for property damage — plus mandatory $8,000 Personal Injury Protection and 25/50 uninsured/underinsured motorist coverage, none of which can be waived off the policy.

Massachusetts runs no-fault, so that PIP coverage pays a driver's own medical bills and lost wages first after a crash, regardless of who caused it. See our Massachusetts car insurance guide for how the rest of the state's no-fault system fits together.

Out-Earning the Town Next Door

At $140,670, North Andover's median household income runs above neighboring Andover's $126,000 and well past the Massachusetts figure. Insurers don't price a ZIP code by its income directly, but higher-income towns tend to carry more financed and leased vehicles — the kind of cars owners protect with full coverage rather than the bare state minimum.

That mix doesn't change the legal floor, but it does mean a larger share of North Andover policies likely sit closer to the state's $2,429 full-coverage average than its $1,327 minimum-liability figure.

A College Town Without the College-Town Traffic

Merrimack College has grown into one of the Merrimack Valley's biggest economic engines, and it now graduates more students annually than any other higher-ed institution in the region. Route 125 runs concurrent with Route 114 for about half a mile past the campus before feeding into a connector road to I-495, giving the area a steady flow of student, staff, and commuter traffic.

Lake Cochichewick, a 560-acre lake that has supplied North Andover's drinking water for more than a century, keeps motorized boats off its surface entirely — canoes, kayaks, and fishing are the extent of it. It doesn't move any insurer's rate table, but it's a fair snapshot of how quiet the town runs outside its highway corridor.

Low Crime, Two Overlapping ZIP Codes

North Andover's overall crime index runs about 4.2 times below the national average, and ZIP 01845 — which covers most of town — scores well under the national property-crime rate. Comprehensive claims tend to track crime and density, so a low baseline here works in local drivers' favor.

  • ZIP 01845: covers the bulk of North Andover, including the town center and Merrimack College area.
  • Low property crime: scores well under the national average by ZIP-level data.
  • Trade-off: a low crime baseline helps comprehensive pricing, but driving record and vehicle choice still carry more weight.

Next Step for North Andover Drivers

Confirm a policy meets the 25/50/30 minimum plus the mandatory $8,000 PIP and 25/50 UM/UIM, then shop a few quotes — a high-income driver pool and a low crime rate both work in North Andover's favor, but only a comparison shows where the savings actually land. See our guide to lowering your premium for the levers that matter most in a town like this one.