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Finding the cheapest car insurance quotes in Dorchester 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.
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 Dorchester
The car insurance rate in Dorchester is $2819 for a six-month policy, which is $1287 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $821, making it a popular choice for budget-conscious drivers. Rates in Dorchester 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.
At $821 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 $962 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $1224
for six months, making it
the third cheapest auto insurance company in Dorchester.
Dorchester Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dorchester, MA is Safety Group, offering policies at just $821 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $962.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $9137 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dorchester drivers find the best deals.
Way's key takeaways about car insurance in Dorchester
The auto insurance costs in Dorchester fall around $821 for six
months.
The cheapest auto insurance company in Dorchester is State Farm.
Teen drivers pay the highest rate in Dorchester at $1419 per
month.
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Cheapest Minimum Liability Car Insurance in Dorchester
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 Dorchester are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Dorchester. Their Average 6 Month Premium is $186.
Allstate is the most
expensive at $841 for the same
period.
Cheapest Full Coverage Car Insurance in Dorchester
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 Dorchester is Safety Group
at $136 per month and $821
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dorchester,
MA
Get Your Car Insurance Quote in Dorchester
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Average Car Insurance in Dorchester 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 Dorchester, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dorchester, 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, Dorchester's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Dorchester
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
$661
30s
State Farm
$534
40s
State Farm
$534
50s
State Farm
$534
60s
State Farm
$471
70s
State Farm
$407
Cheapest Car Insurance Rates for Teen Drivers in
Dorchester,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Dorchester at $48
per
month. At $8339 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Dorchester.
As young drivers face the highest rates in Dorchester, State Farm
offers the cheapest auto insurance rates at $661 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Dorchester,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Dorchester is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Dorchester
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 Dorchester, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dorchester
The cheapest car insurance companies after an at-fault accident in
Dorchester include American Family
and Safety Group, offering $449
and $502,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3759.
Here is a list of driving violations that can increase your car
insurance rates in Dorchester MA. For example, the car
insurance in Dorchester
after a DUI increases to $1367 for a six
month policy. While the rate increases by $360 for a six-month policy in the case of
a speeding ticket.
Dorchester auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1454
$243
One Med/PIP claim
$1454
$247
Not-at-fault accident
$1498
$250
One comp claim
$1498
$254
Two Med/PIP claims
$1498
$250
Two comp claims
$1551
$263
At-fault accident - less than $1000
$1606
$269
Child safety restraint
$1662
$283
Driving without lights
$1662
$276
Failure to wear a seat belt
$1684
$287
Cell phone violation
$1803
$300
Texting while driving
$1803
$307
Driving too slowly
$1814
$302
Failure to stop at a red light
$1814
$309
Failure to yield
$1814
$302
Following too closely
$1814
$309
Illegal turn
$1814
$302
Improper passing
$1814
$309
Speeding 11 - 15 MPH over limit
$1814
$302
Speeding 16 - 20 MPH over limit
$1814
$309
Speeding 6 - 10 MPH over limit
$1814
$302
Speeding in school zone
$1814
$309
Wrong way/wrong lane
$1814
$302
In 65 MPH zone
$1825
$311
Speeding 21 - 25 MPH over limit
$1825
$304
Operating a vehicle without permission
$1836
$313
Passing school bus
$1914
$318
At-fault accident - $1000-$2000
$2252
$383
Failure to show documents
$2294
$383
At-fault accident - greater than $2000
$2306
$392
Driving with expired registration
$2317
$386
Open container
$2449
$416
Reckless driving
$2644
$442
Refusal to submit to a chemical test
$2699
$458
Driving with a suspended license
$2810
$467
Racing
$2810
$478
DUI
$2821
$469
Leaving scene of an accident/hit and run
$2852
$486
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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 Dorchester 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 Dorchester.
The cheapest car insurance premiums in
Dorchester are
offered by American Family at $546 for a six-month policy.
However, it can be as
expensive as $4666 with companies
like Allstate.
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 Dorchester are offered by State Farm
at $241. However,
it can be as expensive as $2874
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Dorchester after Speeding ticket
Car Insurance Price Trends in Dorchester,
Massachusetts
Car insurance rates in Dorchester have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dorchester dipped by
$401 in December
compared to $408 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 Dorchester rose to $79 in December,
compared to $77 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Dorchester by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Dorchester. At $3890 for a
six-month policy, insuring
your car at 2125 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Dorchester?
The car insurance in Dorchester is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Dorchester?
The cheapest car insurance in Dorchester
is $136 per month
for full coverage.
How much is car insurance in Dorchester for teenagers?
Car insurance for teenagers costs $283 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
Dorchester?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $475 per month to insure your
car in Dorchester.
Is car insurance expensive in Dorchester?
Car insurance can be expensive in Dorchester if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dorchester can be
affordable.
What is the best car insurance in Dorchester,
MA?
The best car insurance company in Dorchester
MA is
Safety Group, offering $821 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Dorchester, MA
Car Insurance Rates by State in the USA (2025 Update)
Dorchester Car Insurance
