Cheapest Car Insurance Quotes in Haverhill

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Haverhill Car Insurance

^$ 19

/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 Haverhill

The car insurance rate in Haverhill is $1670 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Haverhill 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 Haverhill

$1670

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Haverhill

1st place: Safety Group

At $486 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 $570 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $725 for six months, making it the third cheapest auto insurance company in Haverhill.

Haverhill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Haverhill, MA is Safety Group, offering policies at just $486 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $570.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5413 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Haverhill drivers find the best deals.

Cheap Car Insurance Companies in Haverhill, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$486	$81
Vermont Mutual	$570	$97
Safety	$725	$121
American Family	$815	$137
Hanover	$900	$152
Arbella	$913	$155
State Farm	$991	$167
Norfolk & Dedham	$1088	$185
Farmers	$1146	$191
Norfolk & Dedham Mutl Fire Ins	$1152	$196
Travelers	$1288	$215
Plymouth Rock	$1495	$252
Progressive	$2176	$366
USAA	$2907	$489
Allstate	$4668	$786
Amica Mutual	$5413	$920

Key Takeaways

Way's key takeaways about car insurance in Haverhill

The auto insurance costs in Haverhill fall around $486 for six months.
The cheapest auto insurance company in Haverhill is State Farm.
Teen drivers pay the highest rate in Haverhill at $840 per month.

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Cheapest Minimum Liability Car Insurance in Haverhill

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 Haverhill are given below.

State Farm provides the cheapest minimum car insurance coverage in Haverhill. Their Average 6 Month Premium is $110. Allstate is the most expensive at $498 for the same period.

Cheapest Liability Coverage in Haverhill, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$110	$19
Safety Group	$156	$26
Vermont Mutual	$162	$27
American Family	$194	$33
Hanover	$220	$37
Plymouth Rock	$240	$40
Amica Mutual	$259	$44
Chubb	$259	$44
USAA	$278	$47
Norfolk & Dedham Mutl Fire Ins	$284	$48
Farmers	$298	$50
Safety	$311	$52
Norfolk & Dedham	$317	$53
The Hanover	$317	$53
Amica	$324	$55
Arbella	$337	$58
Travelers	$356	$60
Progressive	$480	$81
Allstate	$498	$83

Cheapest Full Coverage Car Insurance in Haverhill

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 Haverhill is Safety Group at $81 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Haverhill, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$486	$81
Vermont Mutual	$570	$97
Safety	$725	$121
American Family	$815	$137
Hanover	$900	$152
Arbella	$913	$155
State Farm	$991	$167
Norfolk & Dedham	$1088	$185
Farmers	$1146	$191
Norfolk & Dedham Mutl Fire Ins	$1152	$196
Travelers	$1288	$215
Plymouth Rock	$1495	$252
Progressive	$2176	$366
USAA	$2907	$489
Allstate	$4668	$786
Amica Mutual	$5413	$920

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Average Car Insurance in Haverhill 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 Haverhill, MA increasing?

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

Car Insurance Premiums by Age in Haverhill

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	$391
30s	State Farm	$316
40s	State Farm	$316
50s	State Farm	$316
60s	State Farm	$279
70s	State Farm	$241

Cheapest Car Insurance Rates for Teen Drivers in Haverhill,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Haverhill at $28 per month. At $4940 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$168	$28
Vermont Mutual	$181	$31
Hanover	$207	$35
American Family	$227	$38
Safety	$291	$49
Farmers	$337	$58
State Farm	$486	$82
Plymouth Rock	$777	$131
USAA	$1191	$201
Amica Mutual	$2642	$449
Progressive	$3328	$555
Allstate	$4940	$840

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 Haverhill.

As young drivers face the highest rates in Haverhill, State Farm offers the cheapest auto insurance rates at $391 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 Haverhill.

Car Insurance Rates with An Accident in Haverhill

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

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

The cheapest car insurance companies after an at-fault accident in Haverhill include American Family and Safety Group, offering $266 and $298, respectively. Allstate is an expensive provider with an average six-month premium of $2227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$266	$45
Safety Group	$298	$50
Vermont Mutual	$304	$51
State Farm	$324	$55
Norfolk & Dedham	$511	$85
The Hanover	$550	$94
Plymouth Rock	$595	$100
Arbella	$744	$125
Safety	$784	$132
USAA	$907	$153
Travelers	$1204	$203
Hanover	$1224	$206
Progressive	$1379	$232
Amica Mutual	$1444	$245
Farmers	$2110	$352
Allstate	$2227	$378

Haverhill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Haverhill MA. For example, the car insurance in Haverhill after a DUI increases to $810 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Haverhill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$861	$144
One Med/PIP claim	$861	$146
Not-at-fault accident	$887	$148
One comp claim	$887	$150
Two Med/PIP claims	$887	$148
Two comp claims	$919	$156
At-fault accident - less than $1000	$952	$159
Child safety restraint	$984	$168
Driving without lights	$984	$164
Failure to wear a seat belt	$997	$170
Cell phone violation	$1068	$178
Texting while driving	$1068	$182
Driving too slowly	$1075	$179
Failure to stop at a red light	$1075	$183
Failure to yield	$1075	$179
Following too closely	$1075	$183
Illegal turn	$1075	$179
Improper passing	$1075	$183
Speeding 11 - 15 MPH over limit	$1075	$179
Speeding 16 - 20 MPH over limit	$1075	$183
Speeding 6 - 10 MPH over limit	$1075	$179
Speeding in school zone	$1075	$183
Wrong way/wrong lane	$1075	$179
In 65 MPH zone	$1081	$184
Speeding 21 - 25 MPH over limit	$1081	$180
Operating a vehicle without permission	$1088	$185
Passing school bus	$1134	$189
At-fault accident - $1000-$2000	$1334	$227
Failure to show documents	$1359	$227
At-fault accident - greater than $2000	$1366	$232
Driving with expired registration	$1372	$229
Open container	$1451	$246
Reckless driving	$1566	$262
Refusal to submit to a chemical test	$1599	$271
Driving with a suspended license	$1664	$277
Racing	$1664	$283
DUI	$1671	$278
Leaving scene of an accident/hit and run	$1690	$288

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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 Haverhill 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 Haverhill.

The cheapest car insurance premiums in Haverhill are offered by American Family at $324 for a six-month policy. However, it can be as expensive as $2764 with companies like Allstate.

Haverhill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$55
Safety Group	$356	$61
Vermont Mutual	$370	$61
State Farm	$395	$66
Plymouth Rock	$718	$121
Progressive	$790	$133
Hanover	$1004	$169
Arbella	$1088	$183
USAA	$1541	$259
Safety	$1612	$274
Amica Mutual	$1885	$314
Travelers	$1975	$336
Farmers	$2447	$408
Allstate	$2764	$470

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 Haverhill are offered by State Farm at $143. However, it can be as expensive as $1703 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Haverhill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$143	$24
Safety Group	$187	$32
Vermont Mutual	$214	$36
American Family	$266	$45
Plymouth Rock	$641	$108
Safety	$907	$154
Arbella	$913	$153
USAA	$938	$159
Hanover	$1121	$189
Progressive	$1198	$204
Farmers	$1444	$241
Travelers	$1703	$290

Car Insurance Price Trends in Haverhill, Massachusetts

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

The average cost of full coverage in the Haverhill dipped by $238 in December compared to $242 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 Haverhill rose to $47 in December, compared to $46 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 Haverhill?

The car insurance in Haverhill is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Haverhill?

The cheapest car insurance in Haverhill is $81 per month for full coverage.

How much is car insurance in Haverhill for teenagers?

Car insurance for teenagers costs $168 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 Haverhill?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $281 per month to insure your car in Haverhill.

Is car insurance expensive in Haverhill?

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

Cheapest Car Insurance Quotes in Haverhill

Why you can trust Way?

How Much Is Car Insurance in Haverhill

Avg. Car Insurance in Haverhill

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Haverhill

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Haverhill Car Insurance Rates by Company

Cheap Car Insurance Companies in Haverhill, MA

Way's key takeaways about car insurance in Haverhill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Haverhill

Cheapest Liability Coverage in Haverhill, MA

Cheapest Full Coverage Car Insurance in Haverhill

Cheapest Full Coverage Car Insurance Quotes in Haverhill, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Haverhill by Rating Factor

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

Car Insurance Premiums by Age in Haverhill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Haverhill,MA

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

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 Haverhill

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

Haverhill Car Insurance Rates by Violation

Haverhill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Haverhill after a DUI

Haverhill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Haverhill after Speeding ticket

Car Insurance Price Trends in Haverhill, Massachusetts

Average Car Insurance Cost in Haverhill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Haverhill, MA

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

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