Cheapest Car Insurance Quotes in Devens

Finding the cheapest car insurance quotes in Devens shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Devens Car Insurance

^$ 15

/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 Devens

The car insurance rate in Devens is $1379 for a six-month policy, which is $153 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Devens 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 Devens

$1379

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Devens

1st place: Safety Group

At $401 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 $471 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $599 for six months, making it the third cheapest auto insurance company in Devens.

Devens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Devens, MA is Safety Group, offering policies at just $401 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $471.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4469 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Devens drivers find the best deals.

Cheap Car Insurance Companies in Devens, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$401	$67
Vermont Mutual	$471	$80
Safety	$599	$100
American Family	$673	$113
Hanover	$743	$125
Arbella	$754	$128
State Farm	$818	$138
Norfolk & Dedham	$898	$153
Farmers	$946	$158
Norfolk & Dedham Mutl Fire Ins	$951	$162
Travelers	$1064	$177
Plymouth Rock	$1235	$208
Progressive	$1796	$302
USAA	$2400	$404
Allstate	$3855	$649
Amica Mutual	$4469	$760

Key Takeaways

Way's key takeaways about car insurance in Devens

The auto insurance costs in Devens fall around $401 for six months.
The cheapest auto insurance company in Devens is State Farm.
Teen drivers pay the highest rate in Devens at $694 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Devens

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 Devens are given below.

State Farm provides the cheapest minimum car insurance coverage in Devens. Their Average 6 Month Premium is $91. Allstate is the most expensive at $411 for the same period.

Cheapest Liability Coverage in Devens, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$91	$15
Safety Group	$129	$22
Vermont Mutual	$134	$23
American Family	$160	$27
Hanover	$182	$31
Plymouth Rock	$198	$33
Amica Mutual	$214	$36
Chubb	$214	$36
USAA	$230	$39
Norfolk & Dedham Mutl Fire Ins	$235	$40
Farmers	$246	$41
Safety	$257	$43
Norfolk & Dedham	$262	$44
The Hanover	$262	$44
Amica	$267	$45
Arbella	$278	$48
Travelers	$294	$50
Progressive	$396	$67
Allstate	$411	$68

Cheapest Full Coverage Car Insurance in Devens

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 Devens is Safety Group at $67 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Devens, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$401	$67
Vermont Mutual	$471	$80
Safety	$599	$100
American Family	$673	$113
Hanover	$743	$125
Arbella	$754	$128
State Farm	$818	$138
Norfolk & Dedham	$898	$153
Farmers	$946	$158
Norfolk & Dedham Mutl Fire Ins	$951	$162
Travelers	$1064	$177
Plymouth Rock	$1235	$208
Progressive	$1796	$302
USAA	$2400	$404
Allstate	$3855	$649
Amica Mutual	$4469	$760

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Devens Instantly!

Average Car Insurance in Devens 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 Devens, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Devens, 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, Devens's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Devens

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	$323
30s	State Farm	$261
40s	State Farm	$261
50s	State Farm	$261
60s	State Farm	$230
70s	State Farm	$199

Cheapest Car Insurance Rates for Teen Drivers in Devens,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Devens at $23 per month. At $4079 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$139	$23
Vermont Mutual	$149	$25
Hanover	$171	$29
American Family	$187	$32
Safety	$240	$41
Farmers	$278	$48
State Farm	$401	$68
Plymouth Rock	$642	$108
USAA	$984	$166
Amica Mutual	$2182	$371
Progressive	$2748	$458
Allstate	$4079	$694

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 Devens.

As young drivers face the highest rates in Devens, State Farm offers the cheapest auto insurance rates at $323 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 Devens.

Car Insurance Rates with An Accident in Devens

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 Devens, MA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Devens include American Family and Safety Group, offering $220 and $246, respectively. Allstate is an expensive provider with an average six-month premium of $1839.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$220	$37
Safety Group	$246	$41
Vermont Mutual	$251	$42
State Farm	$267	$45
Norfolk & Dedham	$422	$70
The Hanover	$455	$77
Plymouth Rock	$491	$83
Arbella	$615	$104
Safety	$647	$109
USAA	$749	$126
Travelers	$995	$167
Hanover	$1011	$170
Progressive	$1139	$192
Amica Mutual	$1193	$203
Farmers	$1742	$291
Allstate	$1839	$312

Devens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Devens MA. For example, the car insurance in Devens after a DUI increases to $669 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Devens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$711	$119
One Med/PIP claim	$711	$121
Not-at-fault accident	$733	$122
One comp claim	$733	$124
Two Med/PIP claims	$733	$122
Two comp claims	$759	$129
At-fault accident - less than $1000	$786	$131
Child safety restraint	$813	$139
Driving without lights	$813	$135
Failure to wear a seat belt	$824	$140
Cell phone violation	$882	$147
Texting while driving	$882	$150
Driving too slowly	$887	$148
Failure to stop at a red light	$887	$151
Failure to yield	$887	$148
Following too closely	$887	$151
Illegal turn	$887	$148
Improper passing	$887	$151
Speeding 11 - 15 MPH over limit	$887	$148
Speeding 16 - 20 MPH over limit	$887	$151
Speeding 6 - 10 MPH over limit	$887	$148
Speeding in school zone	$887	$151
Wrong way/wrong lane	$887	$148
In 65 MPH zone	$893	$152
Speeding 21 - 25 MPH over limit	$893	$149
Operating a vehicle without permission	$898	$153
Passing school bus	$936	$156
At-fault accident - $1000-$2000	$1102	$187
Failure to show documents	$1122	$187
At-fault accident - greater than $2000	$1128	$192
Driving with expired registration	$1133	$189
Open container	$1198	$203
Reckless driving	$1293	$216
Refusal to submit to a chemical test	$1320	$224
Driving with a suspended license	$1374	$229
Racing	$1374	$234
DUI	$1380	$230
Leaving scene of an accident/hit and run	$1395	$238

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Devens 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 Devens.

The cheapest car insurance premiums in Devens are offered by American Family at $267 for a six-month policy. However, it can be as expensive as $2282 with companies like Allstate.

Devens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$267	$45
Safety Group	$294	$50
Vermont Mutual	$305	$50
State Farm	$326	$55
Plymouth Rock	$593	$100
Progressive	$653	$110
Hanover	$829	$140
Arbella	$898	$151
USAA	$1273	$214
Safety	$1331	$226
Amica Mutual	$1556	$259
Travelers	$1631	$277
Farmers	$2021	$337
Allstate	$2282	$388

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 Devens are offered by State Farm at $118. However, it can be as expensive as $1406 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Devens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$118	$20
Safety Group	$155	$26
Vermont Mutual	$176	$30
American Family	$220	$37
Plymouth Rock	$529	$89
Safety	$749	$127
Arbella	$754	$126
USAA	$775	$131
Hanover	$925	$156
Progressive	$989	$168
Farmers	$1193	$199
Travelers	$1406	$239

Car Insurance Price Trends in Devens, Massachusetts

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

The average cost of full coverage in the Devens dipped by $196 in December compared to $200 of November. In other words, there has been an decrease by $4 when you compare December and November.

The average cost of liability insurance in the Devens rose to $39 in December, compared to $38 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Devens?

The car insurance in Devens is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Devens?

The cheapest car insurance in Devens is $67 per month for full coverage.

How much is car insurance in Devens for teenagers?

Car insurance for teenagers costs $139 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 Devens?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $232 per month to insure your car in Devens.

Is car insurance expensive in Devens?

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

Cheapest Car Insurance Quotes in Devens

Why you can trust Way?

How Much Is Car Insurance in Devens

Avg. Car Insurance in Devens

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Devens

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Devens Car Insurance Rates by Company

Cheap Car Insurance Companies in Devens, MA

Way's key takeaways about car insurance in Devens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Devens

Cheapest Liability Coverage in Devens, MA

Cheapest Full Coverage Car Insurance in Devens

Cheapest Full Coverage Car Insurance Quotes in Devens, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Devens by Rating Factor

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

Car Insurance Premiums by Age in Devens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Devens,MA

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

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 Devens

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

Devens Car Insurance Rates by Violation

Devens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Devens after a DUI

Devens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Devens after Speeding ticket

Car Insurance Price Trends in Devens, Massachusetts

Average Car Insurance Cost in Devens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Devens, MA

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

Featured Blogs

Data Sources