Cheapest Car Insurance Quotes in Fitchburg

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Fitchburg Car Insurance

^$ 18

/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 Fitchburg

The car insurance rate in Fitchburg is $1609 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, making it a popular choice for budget-conscious drivers. Rates in Fitchburg 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 Fitchburg

$1609

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Fitchburg

1st place: Safety Group

At $468 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 $549 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $698 for six months, making it the third cheapest auto insurance company in Fitchburg.

Fitchburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fitchburg, MA is Safety Group, offering policies at just $468 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $549.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5214 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fitchburg drivers find the best deals.

Cheap Car Insurance Companies in Fitchburg, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$468	$78
Vermont Mutual	$549	$93
Safety	$698	$117
American Family	$785	$132
Hanover	$867	$146
Arbella	$880	$149
State Farm	$954	$161
Norfolk & Dedham	$1048	$179
Farmers	$1104	$184
Norfolk & Dedham Mutl Fire Ins	$1110	$189
Travelers	$1241	$207
Plymouth Rock	$1441	$243
Progressive	$2096	$353
USAA	$2800	$471
Allstate	$4497	$757
Amica Mutual	$5214	$886

Key Takeaways

Way's key takeaways about car insurance in Fitchburg

The auto insurance costs in Fitchburg fall around $468 for six months.
The cheapest auto insurance company in Fitchburg is State Farm.
Teen drivers pay the highest rate in Fitchburg at $810 per month.

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

Cheapest Minimum Liability Car Insurance in Fitchburg

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 Fitchburg are given below.

State Farm provides the cheapest minimum car insurance coverage in Fitchburg. Their Average 6 Month Premium is $106. Allstate is the most expensive at $480 for the same period.

Cheapest Liability Coverage in Fitchburg, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$106	$18
Safety Group	$150	$25
Vermont Mutual	$156	$26
American Family	$187	$32
Hanover	$212	$36
Plymouth Rock	$231	$39
Amica Mutual	$250	$42
Chubb	$250	$42
USAA	$268	$45
Norfolk & Dedham Mutl Fire Ins	$274	$46
Farmers	$287	$48
Safety	$299	$50
Norfolk & Dedham	$306	$51
The Hanover	$306	$51
Amica	$312	$53
Arbella	$324	$56
Travelers	$343	$58
Progressive	$462	$78
Allstate	$480	$80

Cheapest Full Coverage Car Insurance in Fitchburg

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 Fitchburg is Safety Group at $78 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fitchburg, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$468	$78
Vermont Mutual	$549	$93
Safety	$698	$117
American Family	$785	$132
Hanover	$867	$146
Arbella	$880	$149
State Farm	$954	$161
Norfolk & Dedham	$1048	$179
Farmers	$1104	$184
Norfolk & Dedham Mutl Fire Ins	$1110	$189
Travelers	$1241	$207
Plymouth Rock	$1441	$243
Progressive	$2096	$353
USAA	$2800	$471
Allstate	$4497	$757
Amica Mutual	$5214	$886

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Average Car Insurance in Fitchburg 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 Fitchburg, MA increasing?

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

Car Insurance Premiums by Age in Fitchburg

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	$377
30s	State Farm	$305
40s	State Farm	$305
50s	State Farm	$305
60s	State Farm	$269
70s	State Farm	$232

Cheapest Car Insurance Rates for Teen Drivers in Fitchburg,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Fitchburg at $27 per month. At $4759 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$162	$27
Vermont Mutual	$174	$29
Hanover	$200	$34
American Family	$218	$37
Safety	$280	$47
Farmers	$324	$56
State Farm	$468	$79
Plymouth Rock	$749	$126
USAA	$1148	$193
Amica Mutual	$2545	$433
Progressive	$3206	$534
Allstate	$4759	$810

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 Fitchburg.

As young drivers face the highest rates in Fitchburg, State Farm offers the cheapest auto insurance rates at $377 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 Fitchburg.

Car Insurance Rates with An Accident in Fitchburg

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

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

The cheapest car insurance companies after an at-fault accident in Fitchburg include American Family and Safety Group, offering $256 and $287, respectively. Allstate is an expensive provider with an average six-month premium of $2145.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$256	$43
Safety Group	$287	$48
Vermont Mutual	$293	$49
State Farm	$312	$53
Norfolk & Dedham	$492	$82
The Hanover	$530	$90
Plymouth Rock	$573	$97
Arbella	$717	$121
Safety	$755	$127
USAA	$874	$147
Travelers	$1160	$195
Hanover	$1179	$198
Progressive	$1328	$224
Amica Mutual	$1391	$236
Farmers	$2033	$339
Allstate	$2145	$364

Fitchburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fitchburg MA. For example, the car insurance in Fitchburg after a DUI increases to $780 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Fitchburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$830	$139
One Med/PIP claim	$830	$141
Not-at-fault accident	$855	$143
One comp claim	$855	$145
Two Med/PIP claims	$855	$143
Two comp claims	$885	$150
At-fault accident - less than $1000	$917	$153
Child safety restraint	$948	$162
Driving without lights	$948	$158
Failure to wear a seat belt	$961	$164
Cell phone violation	$1029	$171
Texting while driving	$1029	$175
Driving too slowly	$1035	$172
Failure to stop at a red light	$1035	$176
Failure to yield	$1035	$172
Following too closely	$1035	$176
Illegal turn	$1035	$172
Improper passing	$1035	$176
Speeding 11 - 15 MPH over limit	$1035	$172
Speeding 16 - 20 MPH over limit	$1035	$176
Speeding 6 - 10 MPH over limit	$1035	$172
Speeding in school zone	$1035	$176
Wrong way/wrong lane	$1035	$172
In 65 MPH zone	$1042	$177
Speeding 21 - 25 MPH over limit	$1042	$173
Operating a vehicle without permission	$1048	$179
Passing school bus	$1092	$182
At-fault accident - $1000-$2000	$1285	$218
Failure to show documents	$1309	$218
At-fault accident - greater than $2000	$1316	$224
Driving with expired registration	$1322	$221
Open container	$1398	$237
Reckless driving	$1509	$252
Refusal to submit to a chemical test	$1540	$261
Driving with a suspended license	$1603	$267
Racing	$1603	$273
DUI	$1610	$268
Leaving scene of an accident/hit and run	$1628	$277

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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 Fitchburg 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 Fitchburg.

The cheapest car insurance premiums in Fitchburg are offered by American Family at $312 for a six-month policy. However, it can be as expensive as $2663 with companies like Allstate.

Fitchburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$312	$53
Safety Group	$343	$59
Vermont Mutual	$356	$59
State Farm	$380	$64
Plymouth Rock	$692	$117
Progressive	$761	$128
Hanover	$967	$163
Arbella	$1048	$176
USAA	$1485	$250
Safety	$1553	$264
Amica Mutual	$1815	$302
Travelers	$1903	$323
Farmers	$2357	$393
Allstate	$2663	$453

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 Fitchburg are offered by State Farm at $138. However, it can be as expensive as $1640 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Fitchburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$138	$23
Safety Group	$181	$30
Vermont Mutual	$206	$35
American Family	$256	$43
Plymouth Rock	$617	$104
Safety	$874	$148
Arbella	$880	$147
USAA	$904	$153
Hanover	$1079	$182
Progressive	$1154	$196
Farmers	$1391	$232
Travelers	$1640	$279

Car Insurance Price Trends in Fitchburg, Massachusetts

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

The average cost of full coverage in the Fitchburg dipped by $229 in December compared to $233 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 Fitchburg rose to $45 in December, compared to $44 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 Fitchburg?

The car insurance in Fitchburg is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Fitchburg?

The cheapest car insurance in Fitchburg is $78 per month for full coverage.

How much is car insurance in Fitchburg for teenagers?

Car insurance for teenagers costs $162 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 Fitchburg?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $271 per month to insure your car in Fitchburg.

Is car insurance expensive in Fitchburg?

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

Cheapest Car Insurance Quotes in Fitchburg

Why you can trust Way?

How Much Is Car Insurance in Fitchburg

Avg. Car Insurance in Fitchburg

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Fitchburg

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Fitchburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Fitchburg, MA

Way's key takeaways about car insurance in Fitchburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fitchburg

Cheapest Liability Coverage in Fitchburg, MA

Cheapest Full Coverage Car Insurance in Fitchburg

Cheapest Full Coverage Car Insurance Quotes in Fitchburg, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fitchburg by Rating Factor

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

Car Insurance Premiums by Age in Fitchburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fitchburg,MA

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

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 Fitchburg

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

Fitchburg Car Insurance Rates by Violation

Fitchburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fitchburg after a DUI

Fitchburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fitchburg after Speeding ticket

Car Insurance Price Trends in Fitchburg, Massachusetts

Average Car Insurance Cost in Fitchburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fitchburg, MA

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

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