Cheapest Car Insurance Quotes in Chelsea

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Chelsea Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Chelsea

The car insurance rate in Chelsea is $2543 for a six-month policy, which is $1011 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $740, making it a popular choice for budget-conscious drivers. Rates in Chelsea can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Chelsea

$2543

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Chelsea

1st place: Safety Group

At $740 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $868 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $1104 for six months, making it the third cheapest auto insurance company in Chelsea.

Chelsea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chelsea, MA is Safety Group, offering policies at just $740 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $868.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $8244 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chelsea drivers find the best deals.

Cheap Car Insurance Companies in Chelsea, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$740	$123
Vermont Mutual	$868	$148
Safety	$1104	$184
American Family	$1242	$209
Hanover	$1371	$231
Arbella	$1391	$236
State Farm	$1509	$254
Norfolk & Dedham	$1657	$282
Farmers	$1745	$291
Norfolk & Dedham Mutl Fire Ins	$1755	$299
Travelers	$1962	$327
Plymouth Rock	$2278	$383
Progressive	$3313	$558
USAA	$4427	$745
Allstate	$7110	$1197
Amica Mutual	$8244	$1401

Key Takeaways

Way's key takeaways about car insurance in Chelsea

The auto insurance costs in Chelsea fall around $740 for six months.
The cheapest auto insurance company in Chelsea is State Farm.
Teen drivers pay the highest rate in Chelsea at $1280 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Chelsea

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Chelsea are given below.

State Farm provides the cheapest minimum car insurance coverage in Chelsea. Their Average 6 Month Premium is $168. Allstate is the most expensive at $759 for the same period.

Cheapest Liability Coverage in Chelsea, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$168	$28
Safety Group	$237	$40
Vermont Mutual	$247	$42
American Family	$295	$50
Hanover	$335	$56
Plymouth Rock	$365	$61
Amica Mutual	$395	$66
Chubb	$395	$66
USAA	$423	$71
Norfolk & Dedham Mutl Fire Ins	$433	$73
Farmers	$453	$76
Safety	$473	$80
Norfolk & Dedham	$483	$81
The Hanover	$483	$81
Amica	$493	$83
Arbella	$513	$88
Travelers	$543	$91
Progressive	$730	$123
Allstate	$759	$126

Cheapest Full Coverage Car Insurance in Chelsea

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Chelsea is Safety Group at $123 per month and $740 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chelsea, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$740	$123
Vermont Mutual	$868	$148
Safety	$1104	$184
American Family	$1242	$209
Hanover	$1371	$231
Arbella	$1391	$236
State Farm	$1509	$254
Norfolk & Dedham	$1657	$282
Farmers	$1745	$291
Norfolk & Dedham Mutl Fire Ins	$1755	$299
Travelers	$1962	$327
Plymouth Rock	$2278	$383
Progressive	$3313	$558
USAA	$4427	$745
Allstate	$7110	$1197
Amica Mutual	$8244	$1401

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Average Car Insurance in Chelsea by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Chelsea, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Chelsea, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Chelsea's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chelsea

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$596
30s	State Farm	$481
40s	State Farm	$481
50s	State Farm	$481
60s	State Farm	$425
70s	State Farm	$367

Cheapest Car Insurance Rates for Teen Drivers in Chelsea,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Chelsea at $43 per month. At $7523 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$256	$43
Vermont Mutual	$276	$46
Hanover	$315	$53
American Family	$345	$58
Safety	$443	$75
Farmers	$513	$88
State Farm	$740	$125
Plymouth Rock	$1184	$199
USAA	$1814	$305
Amica Mutual	$4024	$684
Progressive	$5068	$845
Allstate	$7523	$1280

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Chelsea.

As young drivers face the highest rates in Chelsea, State Farm offers the cheapest auto insurance rates at $596 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Chelsea.

Car Insurance Rates with An Accident in Chelsea

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Chelsea, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chelsea

The cheapest car insurance companies after an at-fault accident in Chelsea include American Family and Safety Group, offering $405 and $453, respectively. Allstate is an expensive provider with an average six-month premium of $3391.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$405	$68
Safety Group	$453	$76
Vermont Mutual	$463	$78
State Farm	$493	$83
Norfolk & Dedham	$779	$129
The Hanover	$838	$143
Plymouth Rock	$906	$153
Arbella	$1134	$191
Safety	$1194	$201
USAA	$1381	$232
Travelers	$1834	$309
Hanover	$1864	$314
Progressive	$2100	$354
Amica Mutual	$2200	$374
Farmers	$3214	$536
Allstate	$3391	$576

Chelsea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chelsea MA. For example, the car insurance in Chelsea after a DUI increases to $1234 for a six month policy. While the rate increases by $326 for a six-month policy in the case of a speeding ticket.

Chelsea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1311	$219
One Med/PIP claim	$1311	$222
Not-at-fault accident	$1351	$226
One comp claim	$1351	$229
Two Med/PIP claims	$1351	$226
Two comp claims	$1399	$237
At-fault accident - less than $1000	$1449	$242
Child safety restraint	$1499	$256
Driving without lights	$1499	$249
Failure to wear a seat belt	$1519	$259
Cell phone violation	$1627	$271
Texting while driving	$1627	$277
Driving too slowly	$1637	$272
Failure to stop at a red light	$1637	$279
Failure to yield	$1637	$272
Following too closely	$1637	$279
Illegal turn	$1637	$272
Improper passing	$1637	$279
Speeding 11 - 15 MPH over limit	$1637	$272
Speeding 16 - 20 MPH over limit	$1637	$279
Speeding 6 - 10 MPH over limit	$1637	$272
Speeding in school zone	$1637	$279
Wrong way/wrong lane	$1637	$272
In 65 MPH zone	$1647	$281
Speeding 21 - 25 MPH over limit	$1647	$274
Operating a vehicle without permission	$1657	$282
Passing school bus	$1726	$287
At-fault accident - $1000-$2000	$2032	$345
Failure to show documents	$2070	$345
At-fault accident - greater than $2000	$2080	$354
Driving with expired registration	$2090	$349
Open container	$2209	$375
Reckless driving	$2385	$398
Refusal to submit to a chemical test	$2435	$413
Driving with a suspended license	$2535	$422
Racing	$2535	$432
DUI	$2545	$423
Leaving scene of an accident/hit and run	$2573	$438

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Chelsea after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Chelsea.

The cheapest car insurance premiums in Chelsea are offered by American Family at $493 for a six-month policy. However, it can be as expensive as $4210 with companies like Allstate.

Chelsea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$493	$83
Safety Group	$543	$93
Vermont Mutual	$563	$93
State Farm	$601	$101
Plymouth Rock	$1094	$184
Progressive	$1204	$203
Hanover	$1529	$257
Arbella	$1657	$279
USAA	$2347	$395
Safety	$2455	$417
Amica Mutual	$2870	$478
Travelers	$3008	$511
Farmers	$3727	$621
Allstate	$4210	$715

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Chelsea are offered by State Farm at $217. However, it can be as expensive as $2593 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Chelsea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$217	$37
Safety Group	$286	$48
Vermont Mutual	$325	$55
American Family	$405	$68
Plymouth Rock	$976	$164
Safety	$1381	$234
Arbella	$1391	$232
USAA	$1429	$242
Hanover	$1706	$287
Progressive	$1824	$310
Farmers	$2200	$367
Travelers	$2593	$442

Car Insurance Price Trends in Chelsea, Massachusetts

Car insurance rates in Chelsea have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Chelsea dipped by $362 in December compared to $369 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Chelsea rose to $71 in December, compared to $70 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Chelsea?

The car insurance in Chelsea is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Chelsea?

The cheapest car insurance in Chelsea is $123 per month for full coverage.

How much is car insurance in Chelsea for teenagers?

Car insurance for teenagers costs $256 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Chelsea?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $428 per month to insure your car in Chelsea.

Is car insurance expensive in Chelsea?

Car insurance can be expensive in Chelsea if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Chelsea can be affordable.

Cheapest Car Insurance Quotes in Chelsea

Why you can trust Way?

How Much Is Car Insurance in Chelsea

Avg. Car Insurance in Chelsea

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Chelsea

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Chelsea Car Insurance Rates by Company

Cheap Car Insurance Companies in Chelsea, MA

Way's key takeaways about car insurance in Chelsea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chelsea

Cheapest Liability Coverage in Chelsea, MA

Cheapest Full Coverage Car Insurance in Chelsea

Cheapest Full Coverage Car Insurance Quotes in Chelsea, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chelsea by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Chelsea, MA increasing?

Car Insurance Premiums by Age in Chelsea

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chelsea,MA

If you are in your twenties State Farm is the best choice for car insurance in Chelsea.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Chelsea

Cheapest Car Insurance Companies after an At-Fault Accident in Chelsea

Chelsea Car Insurance Rates by Violation

Chelsea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chelsea after a DUI

Chelsea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chelsea after Speeding ticket

Car Insurance Price Trends in Chelsea, Massachusetts

Average Car Insurance Cost in Chelsea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chelsea, MA

Car Insurance Rates by State in the USA (2025 Update)

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