Cheapest Car Insurance Quotes in East Pepperell

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East Pepperell 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 East Pepperell

The car insurance rate in East Pepperell is $1348 for a six-month policy, which is $184 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in East Pepperell 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 East Pepperell

$1348

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in East Pepperell

1st place: Safety Group

At $392 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 $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $585 for six months, making it the third cheapest auto insurance company in East Pepperell.

East Pepperell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Pepperell, MA is Safety Group, offering policies at just $392 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $460.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4370 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Pepperell drivers find the best deals.

Cheap Car Insurance Companies in East Pepperell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$392	$65
Vermont Mutual	$460	$78
Safety	$585	$98
American Family	$658	$111
Hanover	$727	$122
Arbella	$737	$125
State Farm	$800	$135
Norfolk & Dedham	$878	$150
Farmers	$925	$154
Norfolk & Dedham Mutl Fire Ins	$930	$158
Travelers	$1040	$173
Plymouth Rock	$1207	$203
Progressive	$1756	$296
USAA	$2347	$395
Allstate	$3769	$634
Amica Mutual	$4370	$743

Key Takeaways

Way's key takeaways about car insurance in East Pepperell

The auto insurance costs in East Pepperell fall around $392 for six months.
The cheapest auto insurance company in East Pepperell is State Farm.
Teen drivers pay the highest rate in East Pepperell at $678 per month.

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

Cheapest Minimum Liability Car Insurance in East Pepperell

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 East Pepperell are given below.

State Farm provides the cheapest minimum car insurance coverage in East Pepperell. Their Average 6 Month Premium is $89. Allstate is the most expensive at $402 for the same period.

Cheapest Liability Coverage in East Pepperell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$89	$15
Safety Group	$126	$21
Vermont Mutual	$131	$22
American Family	$157	$26
Hanover	$178	$30
Plymouth Rock	$194	$33
Amica Mutual	$209	$35
Chubb	$209	$35
USAA	$224	$38
Norfolk & Dedham Mutl Fire Ins	$230	$39
Farmers	$240	$40
Safety	$251	$42
Norfolk & Dedham	$256	$43
The Hanover	$256	$43
Amica	$261	$44
Arbella	$272	$47
Travelers	$288	$48
Progressive	$387	$65
Allstate	$402	$67

Cheapest Full Coverage Car Insurance in East Pepperell

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 East Pepperell is Safety Group at $65 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Pepperell, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$392	$65
Vermont Mutual	$460	$78
Safety	$585	$98
American Family	$658	$111
Hanover	$727	$122
Arbella	$737	$125
State Farm	$800	$135
Norfolk & Dedham	$878	$150
Farmers	$925	$154
Norfolk & Dedham Mutl Fire Ins	$930	$158
Travelers	$1040	$173
Plymouth Rock	$1207	$203
Progressive	$1756	$296
USAA	$2347	$395
Allstate	$3769	$634
Amica Mutual	$4370	$743

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Average Car Insurance in East Pepperell 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 East Pepperell, MA increasing?

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

Car Insurance Premiums by Age in East Pepperell

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	$316
30s	State Farm	$255
40s	State Farm	$255
50s	State Farm	$255
60s	State Farm	$225
70s	State Farm	$194

Cheapest Car Insurance Rates for Teen Drivers in East Pepperell,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the East Pepperell at $23 per month. At $3988 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$136	$23
Vermont Mutual	$146	$25
Hanover	$167	$28
American Family	$183	$31
Safety	$235	$40
Farmers	$272	$47
State Farm	$392	$66
Plymouth Rock	$627	$106
USAA	$962	$162
Amica Mutual	$2133	$363
Progressive	$2687	$448
Allstate	$3988	$678

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 East Pepperell.

As young drivers face the highest rates in East Pepperell, State Farm offers the cheapest auto insurance rates at $316 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 East Pepperell.

Car Insurance Rates with An Accident in East Pepperell

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Pepperell

The cheapest car insurance companies after an at-fault accident in East Pepperell include American Family and Safety Group, offering $215 and $240, respectively. Allstate is an expensive provider with an average six-month premium of $1798.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$215	$36
Safety Group	$240	$40
Vermont Mutual	$246	$41
State Farm	$261	$44
Norfolk & Dedham	$413	$69
The Hanover	$444	$76
Plymouth Rock	$480	$81
Arbella	$601	$101
Safety	$633	$106
USAA	$732	$123
Travelers	$972	$164
Hanover	$988	$166
Progressive	$1113	$187
Amica Mutual	$1166	$198
Farmers	$1704	$284
Allstate	$1798	$305

East Pepperell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Pepperell MA. For example, the car insurance in East Pepperell after a DUI increases to $654 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

East Pepperell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$695	$116
One Med/PIP claim	$695	$118
Not-at-fault accident	$716	$120
One comp claim	$716	$121
Two Med/PIP claims	$716	$120
Two comp claims	$742	$126
At-fault accident - less than $1000	$768	$128
Child safety restraint	$795	$136
Driving without lights	$795	$132
Failure to wear a seat belt	$805	$137
Cell phone violation	$862	$143
Texting while driving	$862	$147
Driving too slowly	$868	$144
Failure to stop at a red light	$868	$148
Failure to yield	$868	$144
Following too closely	$868	$148
Illegal turn	$868	$144
Improper passing	$868	$148
Speeding 11 - 15 MPH over limit	$868	$144
Speeding 16 - 20 MPH over limit	$868	$148
Speeding 6 - 10 MPH over limit	$868	$144
Speeding in school zone	$868	$148
Wrong way/wrong lane	$868	$144
In 65 MPH zone	$873	$149
Speeding 21 - 25 MPH over limit	$873	$145
Operating a vehicle without permission	$878	$150
Passing school bus	$915	$152
At-fault accident - $1000-$2000	$1077	$183
Failure to show documents	$1097	$183
At-fault accident - greater than $2000	$1103	$187
Driving with expired registration	$1108	$185
Open container	$1171	$199
Reckless driving	$1265	$211
Refusal to submit to a chemical test	$1291	$219
Driving with a suspended license	$1344	$224
Racing	$1344	$229
DUI	$1349	$224
Leaving scene of an accident/hit and run	$1364	$232

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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 East Pepperell 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 East Pepperell.

The cheapest car insurance premiums in East Pepperell are offered by American Family at $261 for a six-month policy. However, it can be as expensive as $2232 with companies like Allstate.

East Pepperell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$261	$44
Safety Group	$288	$49
Vermont Mutual	$298	$49
State Farm	$319	$54
Plymouth Rock	$580	$98
Progressive	$638	$107
Hanover	$810	$136
Arbella	$878	$148
USAA	$1244	$209
Safety	$1302	$221
Amica Mutual	$1522	$253
Travelers	$1595	$271
Farmers	$1976	$329
Allstate	$2232	$379

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 East Pepperell are offered by State Farm at $115. However, it can be as expensive as $1375 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in East Pepperell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$115	$19
Safety Group	$151	$26
Vermont Mutual	$172	$29
American Family	$215	$36
Plymouth Rock	$517	$87
Safety	$732	$124
Arbella	$737	$123
USAA	$758	$128
Hanover	$905	$152
Progressive	$967	$165
Farmers	$1166	$194
Travelers	$1375	$234

Car Insurance Price Trends in East Pepperell, Massachusetts

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

The average cost of full coverage in the East Pepperell dipped by $192 in December compared to $195 of November. In other words, there has been an decrease by $3 when you compare December and November.

The average cost of liability insurance in the East Pepperell rose to $38 in December, compared to $37 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 East Pepperell?

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

What is the cheapest car insurance in East Pepperell?

The cheapest car insurance in East Pepperell is $65 per month for full coverage.

How much is car insurance in East Pepperell for teenagers?

Car insurance for teenagers costs $136 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 East Pepperell?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $227 per month to insure your car in East Pepperell.

Is car insurance expensive in East Pepperell?

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

Cheapest Car Insurance Quotes in East Pepperell

Why you can trust Way?

How Much Is Car Insurance in East Pepperell

Avg. Car Insurance in East Pepperell

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in East Pepperell

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

East Pepperell Car Insurance Rates by Company

Cheap Car Insurance Companies in East Pepperell, MA

Way's key takeaways about car insurance in East Pepperell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Pepperell

Cheapest Liability Coverage in East Pepperell, MA

Cheapest Full Coverage Car Insurance in East Pepperell

Cheapest Full Coverage Car Insurance Quotes in East Pepperell, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Pepperell by Rating Factor

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

Car Insurance Premiums by Age in East Pepperell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Pepperell,MA

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

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 East Pepperell

Cheapest Car Insurance Companies after an At-Fault Accident in East Pepperell

East Pepperell Car Insurance Rates by Violation

East Pepperell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Pepperell after a DUI

East Pepperell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Pepperell after Speeding ticket

Car Insurance Price Trends in East Pepperell, Massachusetts

Average Car Insurance Cost in East Pepperell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Pepperell, MA

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

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