Taunton has been called "The Silver City" since the 1800s, when Reed & Barton's silversmiths turned out flatware, trophies, and eventually Olympic medals from a plant that ran here for nearly 200 years. That plant closed in 2015. The nickname stuck around anyway.
Car insurance in Taunton doesn't care much about old nicknames, but it does care about what a city like this leaves behind: a dense older housing stock, a working-class income profile, and a highway interchange that's been under construction for years. Put those together and Taunton drivers land at roughly $1,314 a year for coverage — a touch below the Massachusetts norm, not above it.
Taunton Auto Insurance at a Glance
- Minimum liability required: 25/50/30 (same statewide floor as all of Massachusetts)
- Average premium: ~$108.66/mo (~$1,314/yr), below the statewide $1,327 minimum-coverage average
- Population: roughly 61,900 as of 2024
- Median household income: $79,283
- Fault system: No-fault, with mandatory $8,000 PIP
What Taunton Drivers Actually Pay
Taunton averages about $108.66 a month for car insurance, or roughly $1,314 a year — a few dollars below the Massachusetts minimum-coverage average of $1,327 and far under the $2,429 full-coverage average statewide. That's a solid outcome for a city its size, and it means Taunton isn't carrying the same premium penalty as some of its Bristol County neighbors.
The number is still an average, not a quote. A driver's record, vehicle, and how many carriers they actually compare will move the final price more than the city name on the address.
What Every Taunton Policy Still Has to Carry
The legal floor doesn't bend for a below-average city. Every Taunton driver needs at least 25/50/30 liability — $25,000 bodily injury per person, $50,000 per accident, $30,000 property damage — plus mandatory $8,000 Personal Injury Protection and 25/50 uninsured/underinsured motorist coverage that can't be dropped from a policy.
Because Massachusetts runs no-fault, that PIP pays a driver's own medical bills and lost wages first after a crash, regardless of fault. Our Massachusetts car insurance guide covers how the rest of the no-fault system fits together.
A City the Silverware Left Behind
Reed & Barton operated in Taunton from 1824 until 2015, and at its peak the company made the gold, silver, and bronze medals for the 1996 Atlanta Olympics. The plant is gone now, but the city it built — dense mill-era neighborhoods, an older housing stock, a working-class wage base — is still what an insurer is actually pricing when it rates a Taunton address.
Taunton also carries a second nickname, "The Christmas City," for a holiday lighting celebration on Taunton Green that's run every year since 1914. It draws large crowds downtown every November, packing the Green and surrounding streets with parade traffic and unfamiliar drivers hunting for parking — a modest, seasonal bump in low-speed fender-bender risk in that one pocket of the city.
Route 24, Route 140, and the Interchange Under Construction
Route 24 runs the length of Taunton, linking Brockton and Boston to the north with Fall River and New Bedford to the south, and it's the highway most Taunton commuters actually drive. Its interchange with Route 140 has been the site of ongoing bridge replacement and reconstruction work, and construction zones on a high-volume interchange like this one tend to nudge claim frequency up slightly for the drivers who pass through it daily.
That effect typically fades once the work wraps, but it's a real factor in the meantime for anyone routing through the 24/140 junction on a regular commute.
Next Step for Taunton Drivers
Confirm a policy carries at least the 25/50/30 minimum plus the mandatory $8,000 PIP — that part doesn't change whether a driver lives near the Green or out toward the Route 24/140 interchange. Beyond that, Taunton's below-average $1,314 figure is worth treating as a starting point to beat, not a number to assume applies automatically. Our guide to lowering your premium covers where the rest of the savings tend to come from.