Cheapest Car Insurance Quotes in Framingham

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Framingham 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 Framingham

The car insurance rate in Framingham is $1626 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Framingham 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 Framingham

$1626

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Framingham

1st place: Safety Group

At $482 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 $565 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $808 for six months, making it the third cheapest auto insurance company in Framingham.

Framingham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Framingham, MA is Safety Group, offering policies at just $482 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $565.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1142 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Framingham drivers find the best deals.

Cheap Car Insurance Companies in Framingham, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$482	$80
Vermont Mutual	$565	$96
American Family	$808	$136
Hanover	$962	$162
State Farm	$982	$165
Safety	$988	$168
Arbella	$1045	$174
Norfolk & Dedham	$1078	$184
Norfolk and Dedham Mutual Fire Insurance Company	$1142	$190
Farmers	$1277	$217
Travelers	$1488	$248
Plymouth Rock	$1508	$254
Progressive	$2193	$369
USAA	$2939	$495
Allstate	$3701	$623
Amica Mutual	$5363	$912
Norfolk & Dedham Mutl Fire Ins	$1142	$194

Key Takeaways

Way's key takeaways about car insurance in Framingham

The auto insurance costs in Framingham fall around $482 for six months.
The cheapest auto insurance company in Framingham is State Farm.
Teen drivers pay the highest rate in Framingham at $815 per month.

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Cheapest Minimum Liability Car Insurance in Framingham

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 Framingham are given below.

State Farm provides the cheapest minimum car insurance coverage in Framingham. Their Average 6 Month Premium is $109. Norfolk & Dedham Mutl Fire Ins is the most expensive at $282 for the same period.

Cheapest Liability Coverage in Framingham, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$109	$18
Safety Group	$154	$26
Vermont Mutual	$161	$27
American Family	$192	$32
Amica Mutual	$257	$43
Chubb	$257	$43
Plymouth Rock	$257	$43
Norfolk and Dedham Mutual Fire Insurance Company	$282	$48
USAA	$301	$51
Hanover	$308	$52
Norfolk & Dedham	$314	$53
The Hanover	$314	$53
Amica	$321	$54
Farmers	$334	$57
Safety	$378	$64
Travelers	$417	$70
Arbella	$430	$71
Progressive	$519	$87
Allstate	$667	$112
Norfolk & Dedham Mutl Fire Ins	$282	$48

Cheapest Full Coverage Car Insurance in Framingham

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 Framingham is Safety Group at $80 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Framingham, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$482	$80
Vermont Mutual	$565	$96
American Family	$808	$136
Hanover	$962	$162
State Farm	$982	$165
Safety	$988	$168
Arbella	$1045	$174
Norfolk & Dedham	$1078	$184
Norfolk and Dedham Mutual Fire Insurance Company	$1142	$190
Farmers	$1277	$217
Travelers	$1488	$248
Plymouth Rock	$1508	$254
Progressive	$2193	$369
USAA	$2939	$495
Allstate	$3701	$623
Amica Mutual	$5363	$912
Norfolk & Dedham Mutl Fire Ins	$1142	$194

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Average Car Insurance in Framingham 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 Framingham, MA increasing?

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

Car Insurance Premiums by Age in Framingham

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	$394
30s	State Farm	$319
40s	State Farm	$319
50s	State Farm	$319
60s	State Farm	$281
70s	State Farm	$243

Cheapest Car Insurance Rates for Teen Drivers in Framingham,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Framingham at $28 per month. At $4895 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$166	$28
Vermont Mutual	$179	$30
Hanover	$205	$35
American Family	$225	$38
Safety	$288	$49
Farmers	$334	$55
State Farm	$482	$81
Plymouth Rock	$770	$130
USAA	$1180	$199
Amica Mutual	$2618	$436
Progressive	$3297	$561
Allstate	$4895	$815

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 Framingham.

As young drivers face the highest rates in Framingham, State Farm offers the cheapest auto insurance rates at $394 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 Framingham.

Car Insurance Rates with An Accident in Framingham

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

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

The cheapest car insurance companies after an at-fault accident in Framingham include American Family and Safety Group, offering $264 and $295, respectively. Allstate is an expensive provider with an average six-month premium of $2630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Safety Group	$295	$50
Vermont Mutual	$301	$51
State Farm	$321	$54
Norfolk & Dedham	$507	$84
The Hanover	$545	$93
Plymouth Rock	$616	$104
Arbella	$821	$138
USAA	$962	$162
Safety	$1020	$172
Hanover	$1340	$226
Travelers	$1379	$232
Amica Mutual	$1431	$239
Progressive	$1488	$251
Farmers	$2354	$392
Allstate	$2630	$443

Framingham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Framingham MA. For example, the car insurance in Framingham after a DUI increases to $803 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Framingham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$143
One Med/PIP claim	$853	$145
Not-at-fault accident	$879	$147
One comp claim	$879	$149
Two Med/PIP claims	$879	$147
Two comp claims	$910	$154
At-fault accident - less than $1000	$943	$158
Child safety restraint	$975	$166
Driving without lights	$975	$162
Failure to wear a seat belt	$988	$168
Cell phone violation	$1058	$176
Texting while driving	$1058	$180
Driving too slowly	$1065	$177
Failure to stop at a red light	$1065	$181
Failure to yield	$1065	$177
Following too closely	$1065	$181
Illegal turn	$1065	$177
Improper passing	$1065	$181
Speeding 11 - 15 MPH over limit	$1065	$177
Speeding 16 - 20 MPH over limit	$1065	$181
Speeding 6 - 10 MPH over limit	$1065	$177
Speeding in school zone	$1065	$181
Wrong way/wrong lane	$1065	$177
In 65 MPH zone	$1071	$183
Speeding 21 - 25 MPH over limit	$1071	$178
Operating a vehicle without permission	$1078	$184
Passing school bus	$1123	$187
At-fault accident - $1000-$2000	$1322	$225
Failure to show documents	$1347	$225
At-fault accident - greater than $2000	$1353	$230
Driving with expired registration	$1360	$227
Open container	$1437	$244
Reckless driving	$1552	$259
Refusal to submit to a chemical test	$1584	$269
Driving with a suspended license	$1649	$274
Racing	$1649	$281
DUI	$1656	$275
Leaving scene of an accident/hit and run	$1674	$285

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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 Framingham 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 Framingham.

The cheapest car insurance premiums in Framingham are offered by American Family at $321 for a six-month policy. However, it can be as expensive as $3259 with companies like Allstate.

Framingham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$321	$54
Safety Group	$353	$60
Vermont Mutual	$366	$60
State Farm	$391	$66
Plymouth Rock	$764	$129
Progressive	$827	$139
Hanover	$1104	$186
Arbella	$1200	$202
USAA	$1636	$275
Amica Mutual	$1867	$318
Travelers	$2303	$383
Safety	$2380	$405
Farmers	$2732	$456
Allstate	$3259	$549

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 Framingham are offered by State Farm at $141. However, it can be as expensive as $1970 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Framingham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$141	$24
Safety Group	$186	$31
Vermont Mutual	$212	$36
American Family	$264	$44
Plymouth Rock	$731	$123
Arbella	$1045	$178
USAA	$1071	$178
Hanover	$1231	$207
Safety	$1290	$215
Progressive	$1392	$237
Farmers	$1610	$268
Allstate	$1854	$315
Travelers	$1970	$328

Car Insurance Price Trends in Framingham, Massachusetts

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

The average cost of full coverage in the Framingham rose by $248 in February compared to $235 of January. In other words, there has been an increase by $13 when you compare February and January.

The average cost of liability insurance in the Framingham rose to $54 in February, compared to $46 in January. This represents an increase of $8 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Framingham?

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

What is the cheapest car insurance in Framingham?

The cheapest car insurance in Framingham is $80 per month for full coverage.

How much is car insurance in Framingham for teenagers?

Car insurance for teenagers costs $166 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 Framingham?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $274 per month to insure your car in Framingham.

Is car insurance expensive in Framingham?

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

Cheapest Car Insurance Quotes in Framingham

Why you can trust Way?

How Much Is Car Insurance in Framingham

Avg. Car Insurance in Framingham

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Framingham

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Framingham Car Insurance Rates by Company

Cheap Car Insurance Companies in Framingham, MA

Way's key takeaways about car insurance in Framingham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Framingham

Cheapest Liability Coverage in Framingham, MA

Cheapest Full Coverage Car Insurance in Framingham

Cheapest Full Coverage Car Insurance Quotes in Framingham, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Framingham by Rating Factor

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

Car Insurance Premiums by Age in Framingham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Framingham,MA

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

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 Framingham

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

Framingham Car Insurance Rates by Violation

Framingham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Framingham after a DUI

Framingham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Framingham after Speeding ticket

Car Insurance Price Trends in Framingham, Massachusetts

Average Car Insurance Cost in Framingham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Framingham, MA

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

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