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Finding the cheapest car insurance quotes in Indian Orchard shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Indian Orchard
The car insurance rate in Indian Orchard is $2160 for a six-month policy, which is $628 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $629, making it a popular choice for budget-conscious drivers. Rates in Indian Orchard 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.
Cheapest Car Insurance Companies in Indian Orchard
1st place: Safety Group
At $629 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 $737 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $938
for six months, making it
the third cheapest auto insurance company in Indian Orchard.
Indian Orchard Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Indian Orchard, MA is Safety Group, offering policies at just $629 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $737.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $7002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Indian Orchard drivers find the best deals.
Cheap Car Insurance Companies in Indian Orchard, MA
Way's key takeaways about car insurance in Indian Orchard
The auto insurance costs in Indian Orchard fall around $629 for six
months.
The cheapest auto insurance company in Indian Orchard is State Farm.
Teen drivers pay the highest rate in Indian Orchard at $1087 per
month.
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Cheapest Minimum Liability Car Insurance in Indian Orchard
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 Indian Orchard are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Indian Orchard. Their Average 6 Month Premium is $142.
Allstate is the most
expensive at $644 for the same
period.
Cheapest Full Coverage Car Insurance in Indian Orchard
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 Indian Orchard is Safety Group
at $104 per month and $629
for six months.
Cheapest Full Coverage Car Insurance Quotes in Indian Orchard,
MA
Get Your Car Insurance Quote in Indian Orchard
Instantly!
Average Car Insurance in Indian Orchard 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 Indian Orchard, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Indian Orchard, 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, Indian Orchard's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Indian Orchard
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
$506
30s
State Farm
$409
40s
State Farm
$409
50s
State Farm
$409
60s
State Farm
$361
70s
State Farm
$312
Cheapest Car Insurance Rates for Teen Drivers in
Indian Orchard,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Indian Orchard at $37
per
month. At $6390 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Indian Orchard.
As young drivers face the highest rates in Indian Orchard, State Farm
offers the cheapest auto insurance rates at $506 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Indian Orchard,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Indian Orchard is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in Indian Orchard.
Car Insurance Rates with An Accident in Indian Orchard
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 Indian Orchard, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Indian Orchard
The cheapest car insurance companies after an at-fault accident in
Indian Orchard include American Family
and Safety Group, offering $344
and $385,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2881.
Here is a list of driving violations that can increase your car
insurance rates in Indian Orchard MA. For example, the car
insurance in Indian Orchard
after a DUI increases to $1048 for a six
month policy. While the rate increases by $276 for a six-month policy in the case of
a speeding ticket.
Indian Orchard auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1114
$186
One Med/PIP claim
$1114
$189
Not-at-fault accident
$1148
$192
One comp claim
$1148
$195
Two Med/PIP claims
$1148
$192
Two comp claims
$1189
$202
At-fault accident - less than $1000
$1231
$206
Child safety restraint
$1273
$217
Driving without lights
$1273
$212
Failure to wear a seat belt
$1290
$220
Cell phone violation
$1382
$230
Texting while driving
$1382
$235
Driving too slowly
$1390
$231
Failure to stop at a red light
$1390
$237
Failure to yield
$1390
$231
Following too closely
$1390
$237
Illegal turn
$1390
$231
Improper passing
$1390
$237
Speeding 11 - 15 MPH over limit
$1390
$231
Speeding 16 - 20 MPH over limit
$1390
$237
Speeding 6 - 10 MPH over limit
$1390
$231
Speeding in school zone
$1390
$237
Wrong way/wrong lane
$1390
$231
In 65 MPH zone
$1399
$238
Speeding 21 - 25 MPH over limit
$1399
$233
Operating a vehicle without permission
$1407
$240
Passing school bus
$1466
$244
At-fault accident - $1000-$2000
$1726
$293
Failure to show documents
$1758
$293
At-fault accident - greater than $2000
$1767
$300
Driving with expired registration
$1775
$296
Open container
$1877
$319
Reckless driving
$2026
$338
Refusal to submit to a chemical test
$2068
$351
Driving with a suspended license
$2153
$358
Racing
$2153
$367
DUI
$2162
$360
Leaving scene of an accident/hit and run
$2186
$372
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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 Indian Orchard 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 Indian Orchard.
The cheapest car insurance premiums in
Indian Orchard are
offered by American Family at $419 for a six-month policy.
However, it can be as
expensive as $3576 with companies
like Allstate.
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 Indian Orchard are offered by State Farm
at $185. However,
it can be as expensive as $2202
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Indian Orchard after Speeding ticket
Car Insurance Price Trends in Indian Orchard,
Massachusetts
Car insurance rates in Indian Orchard have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Indian Orchard dipped by
$307 in December
compared to $313 of November. In other words, there has been an decrease by $6 when you
compare December and November.
The average cost of liability insurance in the Indian Orchard rose to $61 in December,
compared to $59 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Indian Orchard by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Indian Orchard. At $4320 for a
six-month policy, insuring
your car at 1151 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Indian Orchard?
The car insurance in Indian Orchard is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Indian Orchard?
The cheapest car insurance in Indian Orchard
is $104 per month
for full coverage.
How much is car insurance in Indian Orchard for teenagers?
Car insurance for teenagers costs $217 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
Indian Orchard?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $364 per month to insure your
car in Indian Orchard.
Is car insurance expensive in Indian Orchard?
Car insurance can be expensive in Indian Orchard if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Indian Orchard can be
affordable.
What is the best car insurance in Indian Orchard,
MA?
The best car insurance company in Indian Orchard
MA is
Safety Group, offering $629 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Indian Orchard, MA
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Indian Orchard Car Insurance
