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Cheapest Car Insurance Quotes in Dorchester Center
Finding the cheapest car insurance quotes in Dorchester Center 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 Center
The car insurance rate in Dorchester Center is $2742 for a six-month policy, which is $1210 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $798, making it a popular choice for budget-conscious drivers. Rates in Dorchester Center 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.
Cheapest Car Insurance Companies in Dorchester Center
1st place: Safety Group
At $798 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 $936 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $1190
for six months, making it
the third cheapest auto insurance company in Dorchester Center.
Dorchester Center Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dorchester Center, MA is Safety Group, offering policies at just $798 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $936.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $8889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dorchester Center drivers find the best deals.
Cheap Car Insurance Companies in Dorchester Center, MA
Way's key takeaways about car insurance in Dorchester Center
The auto insurance costs in Dorchester Center fall around $798 for six
months.
The cheapest auto insurance company in Dorchester Center is State Farm.
Teen drivers pay the highest rate in Dorchester Center at $1380 per
month.
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Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Dorchester Center
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 Center are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Dorchester Center. Their Average 6 Month Premium is $181.
Allstate is the most
expensive at $818 for the same
period.
Cheapest Liability Coverage in Dorchester Center, MA
Cheapest Full Coverage Car Insurance in Dorchester Center
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 Center is Safety Group
at $132 per month and $798
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dorchester Center,
MA
Get Your Car Insurance Quote in Dorchester Center
Instantly!
Average Car Insurance in Dorchester Center 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 Center, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dorchester Center, 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 Center'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 Center
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
$643
30s
State Farm
$519
40s
State Farm
$519
50s
State Farm
$519
60s
State Farm
$458
70s
State Farm
$396
Cheapest Car Insurance Rates for Teen Drivers in
Dorchester Center,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 Center at $47
per
month. At $8112 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 Center.
As young drivers face the highest rates in Dorchester Center, State Farm
offers the cheapest auto insurance rates at $643 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 Center,
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 Center is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in Dorchester Center.
Car Insurance Rates with An Accident in Dorchester Center
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 Center, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dorchester Center
The cheapest car insurance companies after an at-fault accident in
Dorchester Center include American Family
and Safety Group, offering $437
and $489,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3657.
Dorchester Center Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Dorchester Center MA. For example, the car
insurance in Dorchester Center
after a DUI increases to $1330 for a six
month policy. While the rate increases by $351 for a six-month policy in the case of
a speeding ticket.
Dorchester Center auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1414
$236
One Med/PIP claim
$1414
$240
Not-at-fault accident
$1457
$243
One comp claim
$1457
$247
Two Med/PIP claims
$1457
$243
Two comp claims
$1509
$256
At-fault accident - less than $1000
$1563
$261
Child safety restraint
$1616
$276
Driving without lights
$1616
$269
Failure to wear a seat belt
$1638
$279
Cell phone violation
$1754
$292
Texting while driving
$1754
$299
Driving too slowly
$1765
$294
Failure to stop at a red light
$1765
$301
Failure to yield
$1765
$294
Following too closely
$1765
$301
Illegal turn
$1765
$294
Improper passing
$1765
$301
Speeding 11 - 15 MPH over limit
$1765
$294
Speeding 16 - 20 MPH over limit
$1765
$301
Speeding 6 - 10 MPH over limit
$1765
$294
Speeding in school zone
$1765
$301
Wrong way/wrong lane
$1765
$294
In 65 MPH zone
$1776
$303
Speeding 21 - 25 MPH over limit
$1776
$295
Operating a vehicle without permission
$1786
$304
Passing school bus
$1862
$310
At-fault accident - $1000-$2000
$2191
$372
Failure to show documents
$2232
$372
At-fault accident - greater than $2000
$2243
$381
Driving with expired registration
$2254
$376
Open container
$2382
$405
Reckless driving
$2572
$430
Refusal to submit to a chemical test
$2626
$446
Driving with a suspended license
$2733
$455
Racing
$2733
$465
DUI
$2744
$456
Leaving scene of an accident/hit and run
$2775
$473
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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 Center 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 Center.
The cheapest car insurance premiums in
Dorchester Center are
offered by American Family at $532 for a six-month policy.
However, it can be as
expensive as $4539 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 Center are offered by State Farm
at $234. However,
it can be as expensive as $2796
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Dorchester Center after Speeding ticket
Car Insurance Price Trends in Dorchester Center,
Massachusetts
Car insurance rates in Dorchester Center have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dorchester Center dipped by
$390 in December
compared to $397 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 Center rose to $77 in December,
compared to $75 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Dorchester Center 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 Center. At $5484 for a
six-month policy, insuring
your car at 2124 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 Center?
The car insurance in Dorchester Center is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Dorchester Center?
The cheapest car insurance in Dorchester Center
is $132 per month
for full coverage.
How much is car insurance in Dorchester Center for teenagers?
Car insurance for teenagers costs $276 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 Center?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $462 per month to insure your
car in Dorchester Center.
Is car insurance expensive in Dorchester Center?
Car insurance can be expensive in Dorchester Center if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dorchester Center can be
affordable.
What is the best car insurance in Dorchester Center,
MA?
The best car insurance company in Dorchester Center
MA is
Safety Group, offering $798 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Dorchester Center, MA
Car Insurance Rates by State in the USA (2025 Update)
Dorchester Center Car Insurance
