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Finding the cheapest car insurance quotes in Manchaug 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 Manchaug
The car insurance rate in Manchaug is $1731 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $504, making it a popular choice for budget-conscious drivers. Rates in Manchaug 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 $504 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 $591 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $751
for six months, making it
the third cheapest auto insurance company in Manchaug.
Manchaug Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Manchaug, MA is Safety Group, offering policies at just $504 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $591.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5612 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Manchaug drivers find the best deals.
Way's key takeaways about car insurance in Manchaug
The auto insurance costs in Manchaug fall around $504 for six
months.
The cheapest auto insurance company in Manchaug is State Farm.
Teen drivers pay the highest rate in Manchaug at $871 per
month.
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Cheapest Minimum Liability Car Insurance in Manchaug
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 Manchaug are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Manchaug. Their Average 6 Month Premium is $114.
Allstate is the most
expensive at $516 for the same
period.
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 Manchaug is Safety Group
at $84 per month and $504
for six months.
Cheapest Full Coverage Car Insurance Quotes in Manchaug,
MA
Get Your Car Insurance Quote in Manchaug
Instantly!
Average Car Insurance in Manchaug 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 Manchaug, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Manchaug, 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, Manchaug's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Manchaug
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
$406
30s
State Farm
$328
40s
State Farm
$328
50s
State Farm
$328
60s
State Farm
$289
70s
State Farm
$250
Cheapest Car Insurance Rates for Teen Drivers in
Manchaug,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Manchaug at $29
per
month. At $5121 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 Manchaug.
As young drivers face the highest rates in Manchaug, State Farm
offers the cheapest auto insurance rates at $406 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 Manchaug,
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
Manchaug 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 Manchaug.
Car Insurance Rates with An Accident in Manchaug
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 Manchaug, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Manchaug
The cheapest car insurance companies after an at-fault accident in
Manchaug include American Family
and Safety Group, offering $276
and $308,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2309.
Here is a list of driving violations that can increase your car
insurance rates in Manchaug MA. For example, the car
insurance in Manchaug
after a DUI increases to $839 for a six
month policy. While the rate increases by $221 for a six-month policy in the case of
a speeding ticket.
Manchaug auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$893
$149
One Med/PIP claim
$893
$151
Not-at-fault accident
$920
$154
One comp claim
$920
$156
Two Med/PIP claims
$920
$154
Two comp claims
$953
$162
At-fault accident - less than $1000
$986
$165
Child safety restraint
$1020
$174
Driving without lights
$1020
$169
Failure to wear a seat belt
$1034
$176
Cell phone violation
$1107
$184
Texting while driving
$1107
$189
Driving too slowly
$1114
$185
Failure to stop at a red light
$1114
$190
Failure to yield
$1114
$185
Following too closely
$1114
$190
Illegal turn
$1114
$185
Improper passing
$1114
$190
Speeding 11 - 15 MPH over limit
$1114
$185
Speeding 16 - 20 MPH over limit
$1114
$190
Speeding 6 - 10 MPH over limit
$1114
$185
Speeding in school zone
$1114
$190
Wrong way/wrong lane
$1114
$185
In 65 MPH zone
$1121
$191
Speeding 21 - 25 MPH over limit
$1121
$186
Operating a vehicle without permission
$1128
$192
Passing school bus
$1175
$195
At-fault accident - $1000-$2000
$1383
$235
Failure to show documents
$1409
$235
At-fault accident - greater than $2000
$1416
$241
Driving with expired registration
$1423
$237
Open container
$1504
$255
Reckless driving
$1624
$271
Refusal to submit to a chemical test
$1658
$281
Driving with a suspended license
$1726
$287
Racing
$1726
$294
DUI
$1732
$288
Leaving scene of an accident/hit and run
$1751
$298
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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 Manchaug 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 Manchaug.
The cheapest car insurance premiums in
Manchaug are
offered by American Family at $336 for a six-month policy.
However, it can be as
expensive as $2866 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 Manchaug are offered by State Farm
at $148. However,
it can be as expensive as $1765
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Manchaug after Speeding ticket
Car Insurance Price Trends in Manchaug,
Massachusetts
Car insurance rates in Manchaug have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Manchaug dipped by
$246 in December
compared to $251 of November. In other words, there has been an decrease by $5 when you
compare December and November.
The average cost of liability insurance in the Manchaug rose to $49 in December,
compared to $47 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Manchaug 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
Manchaug. At $N/A for a
six-month policy, insuring
your car at N/A 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 Manchaug?
The car insurance in Manchaug is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Manchaug?
The cheapest car insurance in Manchaug
is $84 per month
for full coverage.
How much is car insurance in Manchaug for teenagers?
Car insurance for teenagers costs $174 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
Manchaug?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $292 per month to insure your
car in Manchaug.
Is car insurance expensive in Manchaug?
Car insurance can be expensive in Manchaug if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Manchaug can be
affordable.
What is the best car insurance in Manchaug,
MA?
The best car insurance company in Manchaug
MA is
Safety Group, offering $504 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Manchaug, MA
Car Insurance Rates by State in the USA (2025 Update)
Manchaug Car Insurance
