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Heath Car Insurance
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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.
The car insurance rate in Heath is $1379 for a six-month policy, which is $153 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Heath 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.
At $401 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.
Vermont Mutual offers auto insurance rates at $471 for a six-month policy, making it one of the cheapest to insure with.
Safety offers auto insurance rates at $599 for six months, making it the third cheapest auto insurance company in Heath.
Based on our research, the cheapest car insurance company in Heath, MA is Safety Group, offering policies at just $401 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $471.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4469 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heath drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safety Group | $401 | $67 |
| Vermont Mutual | $471 | $80 |
| Safety | $599 | $100 |
| American Family | $673 | $113 |
| Hanover | $743 | $125 |
| Arbella | $754 | $128 |
| State Farm | $818 | $138 |
| Norfolk & Dedham | $898 | $153 |
| Farmers | $946 | $158 |
| Norfolk & Dedham Mutl Fire Ins | $951 | $162 |
| Travelers | $1064 | $177 |
| Plymouth Rock | $1235 | $208 |
| Progressive | $1796 | $302 |
| USAA | $2400 | $404 |
| Allstate | $3855 | $649 |
| Amica Mutual | $4469 | $760 |
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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 Heath are given below.
State Farm provides the cheapest minimum car insurance coverage in Heath. Their Average 6 Month Premium is $91. Allstate is the most expensive at $411 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $91 | $15 |
| Safety Group | $129 | $22 |
| Vermont Mutual | $134 | $23 |
| American Family | $160 | $27 |
| Hanover | $182 | $31 |
| Plymouth Rock | $198 | $33 |
| Amica Mutual | $214 | $36 |
| Chubb | $214 | $36 |
| USAA | $230 | $39 |
| Norfolk & Dedham Mutl Fire Ins | $235 | $40 |
| Farmers | $246 | $41 |
| Safety | $257 | $43 |
| Norfolk & Dedham | $262 | $44 |
| The Hanover | $262 | $44 |
| Amica | $267 | $45 |
| Arbella | $278 | $48 |
| Travelers | $294 | $50 |
| Progressive | $396 | $67 |
| Allstate | $411 | $68 |
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 Heath is Safety Group at $67 per month and $401 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safety Group | $401 | $67 |
| Vermont Mutual | $471 | $80 |
| Safety | $599 | $100 |
| American Family | $673 | $113 |
| Hanover | $743 | $125 |
| Arbella | $754 | $128 |
| State Farm | $818 | $138 |
| Norfolk & Dedham | $898 | $153 |
| Farmers | $946 | $158 |
| Norfolk & Dedham Mutl Fire Ins | $951 | $162 |
| Travelers | $1064 | $177 |
| Plymouth Rock | $1235 | $208 |
| Progressive | $1796 | $302 |
| USAA | $2400 | $404 |
| Allstate | $3855 | $649 |
| Amica Mutual | $4469 | $760 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Heath, 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, Heath's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | State Farm | $323 |
| 30s | State Farm | $261 |
| 40s | State Farm | $261 |
| 50s | State Farm | $261 |
| 60s | State Farm | $230 |
| 70s | State Farm | $199 |
If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Heath at $23 per month. At $4079 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Safety Group | $139 | $23 |
| Vermont Mutual | $149 | $25 |
| Hanover | $171 | $29 |
| American Family | $187 | $32 |
| Safety | $240 | $41 |
| Farmers | $278 | $48 |
| State Farm | $401 | $68 |
| Plymouth Rock | $642 | $108 |
| USAA | $984 | $166 |
| Amica Mutual | $2182 | $371 |
| Progressive | $2748 | $458 |
| Allstate | $4079 | $694 |
Teen Car Insurance Rates in MA by Age
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.
Save up to $971/yr on car insurance rates in Heath.
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 Heath, MA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Heath include American Family and Safety Group, offering $220 and $246, respectively. Allstate is an expensive provider with an average six-month premium of $1839.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $220 | $37 |
| Safety Group | $246 | $41 |
| Vermont Mutual | $251 | $42 |
| State Farm | $267 | $45 |
| Norfolk & Dedham | $422 | $70 |
| The Hanover | $455 | $77 |
| Plymouth Rock | $491 | $83 |
| Arbella | $615 | $104 |
| Safety | $647 | $109 |
| USAA | $749 | $126 |
| Travelers | $995 | $167 |
| Hanover | $1011 | $170 |
| Progressive | $1139 | $192 |
| Amica Mutual | $1193 | $203 |
| Farmers | $1742 | $291 |
| Allstate | $1839 | $312 |
Here is a list of driving violations that can increase your car insurance rates in Heath MA. For example, the car insurance in Heath after a DUI increases to $669 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $711 | $119 |
| One Med/PIP claim | $711 | $121 |
| Not-at-fault accident | $733 | $122 |
| One comp claim | $733 | $124 |
| Two Med/PIP claims | $733 | $122 |
| Two comp claims | $759 | $129 |
| At-fault accident - less than $1000 | $786 | $131 |
| Child safety restraint | $813 | $139 |
| Driving without lights | $813 | $135 |
| Failure to wear a seat belt | $824 | $140 |
| Cell phone violation | $882 | $147 |
| Texting while driving | $882 | $150 |
| Driving too slowly | $887 | $148 |
| Failure to stop at a red light | $887 | $151 |
| Failure to yield | $887 | $148 |
| Following too closely | $887 | $151 |
| Illegal turn | $887 | $148 |
| Improper passing | $887 | $151 |
| Speeding 11 - 15 MPH over limit | $887 | $148 |
| Speeding 16 - 20 MPH over limit | $887 | $151 |
| Speeding 6 - 10 MPH over limit | $887 | $148 |
| Speeding in school zone | $887 | $151 |
| Wrong way/wrong lane | $887 | $148 |
| In 65 MPH zone | $893 | $152 |
| Speeding 21 - 25 MPH over limit | $893 | $149 |
| Operating a vehicle without permission | $898 | $153 |
| Passing school bus | $936 | $156 |
| At-fault accident - $1000-$2000 | $1102 | $187 |
| Failure to show documents | $1122 | $187 |
| At-fault accident - greater than $2000 | $1128 | $192 |
| Driving with expired registration | $1133 | $189 |
| Open container | $1198 | $203 |
| Reckless driving | $1293 | $216 |
| Refusal to submit to a chemical test | $1320 | $224 |
| Driving with a suspended license | $1374 | $229 |
| Racing | $1374 | $234 |
| DUI | $1380 | $230 |
| Leaving scene of an accident/hit and run | $1395 | $238 |
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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.
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 Heath.
The cheapest car insurance premiums in Heath are offered by American Family at $267 for a six-month policy. However, it can be as expensive as $2282 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $267 | $45 |
| Safety Group | $294 | $50 |
| Vermont Mutual | $305 | $50 |
| State Farm | $326 | $55 |
| Plymouth Rock | $593 | $100 |
| Progressive | $653 | $110 |
| Hanover | $829 | $140 |
| Arbella | $898 | $151 |
| USAA | $1273 | $214 |
| Safety | $1331 | $226 |
| Amica Mutual | $1556 | $259 |
| Travelers | $1631 | $277 |
| Farmers | $2021 | $337 |
| Allstate | $2282 | $388 |
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 Heath are offered by State Farm at $118. However, it can be as expensive as $1406 with companies like Travelers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $118 | $20 |
| Safety Group | $155 | $26 |
| Vermont Mutual | $176 | $30 |
| American Family | $220 | $37 |
| Plymouth Rock | $529 | $89 |
| Safety | $749 | $127 |
| Arbella | $754 | $126 |
| USAA | $775 | $131 |
| Hanover | $925 | $156 |
| Progressive | $989 | $168 |
| Farmers | $1193 | $199 |
| Travelers | $1406 | $239 |
Car insurance rates in Heath have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Heath dipped by $196 in December compared to $200 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 Heath rose to $39 in December, compared to $38 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Heath?
The car insurance in Heath is $15 per month, which is lower than the national average.
What is the cheapest car insurance in Heath?
The cheapest car insurance in Heath is $67 per month for full coverage.
How much is car insurance in Heath for teenagers?
Car insurance for teenagers costs $139 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 Heath?
The average cost of car insurance is $1532 for a six-month policy. It will cost around $232 per month to insure your car in Heath.
Is car insurance expensive in Heath?
Car insurance can be expensive in Heath if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Heath can be affordable.
What is the best car insurance in Heath, MA?
The best car insurance company in Heath MA is Safety Group, offering $401 for a six-month policy.
Cut auto insurance costs in Heath right now.