Cheapest Car Insurance Quotes in Gardner

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Gardner Car Insurance

^$ 16

/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 Gardner

The car insurance rate in Gardner is $1409 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $410, making it a popular choice for budget-conscious drivers. Rates in Gardner 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 Gardner

$1409

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Gardner

1st place: Safety Group

At $410 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 $481 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Gardner.

Gardner Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gardner, MA is Safety Group, offering policies at just $410 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $481.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4569 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gardner drivers find the best deals.

Cheap Car Insurance Companies in Gardner, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$410	$68
Vermont Mutual	$481	$82
Safety	$612	$102
American Family	$688	$116
Hanover	$760	$128
Arbella	$771	$131
State Farm	$836	$141
Norfolk & Dedham	$918	$156
Farmers	$967	$161
Norfolk & Dedham Mutl Fire Ins	$972	$166
Travelers	$1087	$181
Plymouth Rock	$1262	$213
Progressive	$1836	$309
USAA	$2454	$413
Allstate	$3940	$663
Amica Mutual	$4569	$776

Key Takeaways

Way's key takeaways about car insurance in Gardner

The auto insurance costs in Gardner fall around $410 for six months.
The cheapest auto insurance company in Gardner is State Farm.
Teen drivers pay the highest rate in Gardner at $709 per month.

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Cheapest Minimum Liability Car Insurance in Gardner

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 Gardner are given below.

State Farm provides the cheapest minimum car insurance coverage in Gardner. Their Average 6 Month Premium is $93. Allstate is the most expensive at $420 for the same period.

Cheapest Liability Coverage in Gardner, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$93	$16
Safety Group	$132	$22
Vermont Mutual	$137	$23
American Family	$164	$28
Hanover	$186	$31
Plymouth Rock	$202	$34
Amica Mutual	$219	$37
Chubb	$219	$37
USAA	$235	$40
Norfolk & Dedham Mutl Fire Ins	$240	$40
Farmers	$251	$42
Safety	$262	$44
Norfolk & Dedham	$268	$45
The Hanover	$268	$45
Amica	$273	$46
Arbella	$284	$49
Travelers	$301	$51
Progressive	$405	$68
Allstate	$420	$70

Cheapest Full Coverage Car Insurance in Gardner

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 Gardner is Safety Group at $68 per month and $410 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gardner, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$410	$68
Vermont Mutual	$481	$82
Safety	$612	$102
American Family	$688	$116
Hanover	$760	$128
Arbella	$771	$131
State Farm	$836	$141
Norfolk & Dedham	$918	$156
Farmers	$967	$161
Norfolk & Dedham Mutl Fire Ins	$972	$166
Travelers	$1087	$181
Plymouth Rock	$1262	$213
Progressive	$1836	$309
USAA	$2454	$413
Allstate	$3940	$663
Amica Mutual	$4569	$776

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Average Car Insurance in Gardner 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 Gardner, MA increasing?

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

Car Insurance Premiums by Age in Gardner

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	$330
30s	State Farm	$267
40s	State Farm	$267
50s	State Farm	$267
60s	State Farm	$236
70s	State Farm	$203

Cheapest Car Insurance Rates for Teen Drivers in Gardner,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Gardner at $24 per month. At $4169 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$142	$24
Vermont Mutual	$153	$26
Hanover	$175	$29
American Family	$191	$32
Safety	$246	$41
Farmers	$284	$49
State Farm	$410	$69
Plymouth Rock	$656	$110
USAA	$1006	$169
Amica Mutual	$2230	$379
Progressive	$2809	$468
Allstate	$4169	$709

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 Gardner.

As young drivers face the highest rates in Gardner, State Farm offers the cheapest auto insurance rates at $330 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 Gardner.

Car Insurance Rates with An Accident in Gardner

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

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

The cheapest car insurance companies after an at-fault accident in Gardner include American Family and Safety Group, offering $224 and $251, respectively. Allstate is an expensive provider with an average six-month premium of $1880.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Safety Group	$251	$42
Vermont Mutual	$257	$43
State Farm	$273	$46
Norfolk & Dedham	$431	$72
The Hanover	$465	$79
Plymouth Rock	$502	$85
Arbella	$628	$106
Safety	$661	$111
USAA	$765	$129
Travelers	$1017	$171
Hanover	$1033	$174
Progressive	$1164	$196
Amica Mutual	$1219	$207
Farmers	$1781	$297
Allstate	$1880	$319

Gardner Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gardner MA. For example, the car insurance in Gardner after a DUI increases to $683 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Gardner auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$727	$121
One Med/PIP claim	$727	$123
Not-at-fault accident	$749	$125
One comp claim	$749	$127
Two Med/PIP claims	$749	$125
Two comp claims	$776	$132
At-fault accident - less than $1000	$803	$134
Child safety restraint	$831	$142
Driving without lights	$831	$138
Failure to wear a seat belt	$842	$144
Cell phone violation	$902	$150
Texting while driving	$902	$154
Driving too slowly	$907	$151
Failure to stop at a red light	$907	$155
Failure to yield	$907	$151
Following too closely	$907	$155
Illegal turn	$907	$151
Improper passing	$907	$155
Speeding 11 - 15 MPH over limit	$907	$151
Speeding 16 - 20 MPH over limit	$907	$155
Speeding 6 - 10 MPH over limit	$907	$151
Speeding in school zone	$907	$155
Wrong way/wrong lane	$907	$151
In 65 MPH zone	$913	$155
Speeding 21 - 25 MPH over limit	$913	$152
Operating a vehicle without permission	$918	$156
Passing school bus	$957	$159
At-fault accident - $1000-$2000	$1126	$191
Failure to show documents	$1147	$191
At-fault accident - greater than $2000	$1153	$196
Driving with expired registration	$1158	$193
Open container	$1225	$208
Reckless driving	$1322	$221
Refusal to submit to a chemical test	$1350	$229
Driving with a suspended license	$1405	$234
Racing	$1405	$239
DUI	$1410	$235
Leaving scene of an accident/hit and run	$1426	$243

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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 Gardner 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 Gardner.

The cheapest car insurance premiums in Gardner are offered by American Family at $273 for a six-month policy. However, it can be as expensive as $2333 with companies like Allstate.

Gardner car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$273	$46
Safety Group	$301	$52
Vermont Mutual	$312	$52
State Farm	$333	$56
Plymouth Rock	$606	$102
Progressive	$667	$112
Hanover	$847	$143
Arbella	$918	$155
USAA	$1301	$219
Safety	$1361	$231
Amica Mutual	$1591	$265
Travelers	$1667	$283
Farmers	$2065	$344
Allstate	$2333	$397

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 Gardner are offered by State Farm at $121. However, it can be as expensive as $1437 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Gardner after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$121	$20
Safety Group	$158	$27
Vermont Mutual	$180	$30
American Family	$224	$38
Plymouth Rock	$541	$91
Safety	$765	$130
Arbella	$771	$129
USAA	$792	$134
Hanover	$946	$159
Progressive	$1011	$172
Farmers	$1219	$203
Travelers	$1437	$245

Car Insurance Price Trends in Gardner, Massachusetts

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

The average cost of full coverage in the Gardner dipped by $201 in December compared to $204 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 Gardner rose to $40 in December, compared to $39 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 Gardner?

The car insurance in Gardner is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Gardner?

The cheapest car insurance in Gardner is $68 per month for full coverage.

How much is car insurance in Gardner for teenagers?

Car insurance for teenagers costs $142 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 Gardner?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $237 per month to insure your car in Gardner.

Is car insurance expensive in Gardner?

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

Cheapest Car Insurance Quotes in Gardner

Why you can trust Way?

How Much Is Car Insurance in Gardner

Avg. Car Insurance in Gardner

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Gardner

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Gardner Car Insurance Rates by Company

Cheap Car Insurance Companies in Gardner, MA

Way's key takeaways about car insurance in Gardner

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gardner

Cheapest Liability Coverage in Gardner, MA

Cheapest Full Coverage Car Insurance in Gardner

Cheapest Full Coverage Car Insurance Quotes in Gardner, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gardner by Rating Factor

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

Car Insurance Premiums by Age in Gardner

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gardner,MA

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

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 Gardner

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

Gardner Car Insurance Rates by Violation

Gardner auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gardner after a DUI

Gardner car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gardner after Speeding ticket

Car Insurance Price Trends in Gardner, Massachusetts

Average Car Insurance Cost in Gardner by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gardner, MA

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

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