Cheapest Car Insurance Quotes in Melrose

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Melrose Car Insurance

^$ 18

/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 Melrose

The car insurance rate in Melrose is $1655 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Melrose 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 Melrose

$1655

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Melrose

1st place: Safety Group

At $482 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 $565 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $718 for six months, making it the third cheapest auto insurance company in Melrose.

Melrose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Melrose, MA is Safety Group, offering policies at just $482 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $565.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5363 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Melrose drivers find the best deals.

Cheap Car Insurance Companies in Melrose, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$482	$80
Vermont Mutual	$565	$96
Safety	$718	$120
American Family	$808	$136
Hanover	$892	$150
Arbella	$905	$153
State Farm	$982	$165
Norfolk & Dedham	$1078	$184
Farmers	$1135	$189
Norfolk & Dedham Mutl Fire Ins	$1142	$194
Travelers	$1277	$213
Plymouth Rock	$1482	$249
Progressive	$2156	$363
USAA	$2880	$485
Allstate	$4626	$779
Amica Mutual	$5363	$912

Key Takeaways

Way's key takeaways about car insurance in Melrose

The auto insurance costs in Melrose fall around $482 for six months.
The cheapest auto insurance company in Melrose is State Farm.
Teen drivers pay the highest rate in Melrose at $833 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Melrose

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 Melrose are given below.

State Farm provides the cheapest minimum car insurance coverage in Melrose. Their Average 6 Month Premium is $109. Allstate is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Melrose, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$109	$18
Safety Group	$154	$26
Vermont Mutual	$161	$27
American Family	$192	$32
Hanover	$218	$37
Plymouth Rock	$238	$40
Amica Mutual	$257	$43
Chubb	$257	$43
USAA	$275	$46
Norfolk & Dedham Mutl Fire Ins	$282	$48
Farmers	$295	$50
Safety	$308	$52
Norfolk & Dedham	$314	$53
The Hanover	$314	$53
Amica	$321	$54
Arbella	$334	$57
Travelers	$353	$59
Progressive	$475	$80
Allstate	$494	$82

Cheapest Full Coverage Car Insurance in Melrose

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 Melrose is Safety Group at $80 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melrose, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$482	$80
Vermont Mutual	$565	$96
Safety	$718	$120
American Family	$808	$136
Hanover	$892	$150
Arbella	$905	$153
State Farm	$982	$165
Norfolk & Dedham	$1078	$184
Farmers	$1135	$189
Norfolk & Dedham Mutl Fire Ins	$1142	$194
Travelers	$1277	$213
Plymouth Rock	$1482	$249
Progressive	$2156	$363
USAA	$2880	$485
Allstate	$4626	$779
Amica Mutual	$5363	$912

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Average Car Insurance in Melrose 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 Melrose, MA increasing?

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

Car Insurance Premiums by Age in Melrose

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	$388
30s	State Farm	$313
40s	State Farm	$313
50s	State Farm	$313
60s	State Farm	$276
70s	State Farm	$239

Cheapest Car Insurance Rates for Teen Drivers in Melrose,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Melrose at $28 per month. At $4895 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$166	$28
Vermont Mutual	$179	$30
Hanover	$205	$35
American Family	$225	$38
Safety	$288	$49
Farmers	$334	$57
State Farm	$482	$81
Plymouth Rock	$770	$130
USAA	$1180	$199
Amica Mutual	$2618	$445
Progressive	$3297	$550
Allstate	$4895	$833

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 Melrose.

As young drivers face the highest rates in Melrose, State Farm offers the cheapest auto insurance rates at $388 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 Melrose.

Car Insurance Rates with An Accident in Melrose

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

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

The cheapest car insurance companies after an at-fault accident in Melrose include American Family and Safety Group, offering $264 and $295, respectively. Allstate is an expensive provider with an average six-month premium of $2206.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Safety Group	$295	$50
Vermont Mutual	$301	$51
State Farm	$321	$54
Norfolk & Dedham	$507	$84
The Hanover	$545	$93
Plymouth Rock	$590	$99
Arbella	$738	$124
Safety	$777	$131
USAA	$899	$151
Travelers	$1193	$201
Hanover	$1213	$204
Progressive	$1366	$230
Amica Mutual	$1431	$243
Farmers	$2091	$349
Allstate	$2206	$375

Melrose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Melrose MA. For example, the car insurance in Melrose after a DUI increases to $803 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Melrose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$143
One Med/PIP claim	$853	$145
Not-at-fault accident	$879	$147
One comp claim	$879	$149
Two Med/PIP claims	$879	$147
Two comp claims	$910	$154
At-fault accident - less than $1000	$943	$158
Child safety restraint	$975	$166
Driving without lights	$975	$162
Failure to wear a seat belt	$988	$168
Cell phone violation	$1058	$176
Texting while driving	$1058	$180
Driving too slowly	$1065	$177
Failure to stop at a red light	$1065	$181
Failure to yield	$1065	$177
Following too closely	$1065	$181
Illegal turn	$1065	$177
Improper passing	$1065	$181
Speeding 11 - 15 MPH over limit	$1065	$177
Speeding 16 - 20 MPH over limit	$1065	$181
Speeding 6 - 10 MPH over limit	$1065	$177
Speeding in school zone	$1065	$181
Wrong way/wrong lane	$1065	$177
In 65 MPH zone	$1071	$183
Speeding 21 - 25 MPH over limit	$1071	$178
Operating a vehicle without permission	$1078	$184
Passing school bus	$1123	$187
At-fault accident - $1000-$2000	$1322	$225
Failure to show documents	$1347	$225
At-fault accident - greater than $2000	$1353	$230
Driving with expired registration	$1360	$227
Open container	$1437	$244
Reckless driving	$1552	$259
Refusal to submit to a chemical test	$1584	$269
Driving with a suspended license	$1649	$274
Racing	$1649	$281
DUI	$1656	$275
Leaving scene of an accident/hit and run	$1674	$285

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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 Melrose 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 Melrose.

The cheapest car insurance premiums in Melrose are offered by American Family at $321 for a six-month policy. However, it can be as expensive as $2739 with companies like Allstate.

Melrose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$321	$54
Safety Group	$353	$60
Vermont Mutual	$366	$60
State Farm	$391	$66
Plymouth Rock	$712	$120
Progressive	$783	$132
Hanover	$995	$167
Arbella	$1078	$181
USAA	$1527	$257
Safety	$1597	$271
Amica Mutual	$1867	$311
Travelers	$1957	$333
Farmers	$2425	$404
Allstate	$2739	$465

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 Melrose are offered by State Farm at $141. However, it can be as expensive as $1687 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Melrose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$141	$24
Safety Group	$186	$31
Vermont Mutual	$212	$36
American Family	$264	$44
Plymouth Rock	$635	$107
Safety	$899	$152
Arbella	$905	$151
USAA	$930	$158
Hanover	$1110	$187
Progressive	$1187	$202
Farmers	$1431	$239
Travelers	$1687	$287

Car Insurance Price Trends in Melrose, Massachusetts

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

The average cost of full coverage in the Melrose dipped by $235 in December compared to $240 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 Melrose rose to $46 in December, compared to $45 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 Melrose?

The car insurance in Melrose is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Melrose?

The cheapest car insurance in Melrose is $80 per month for full coverage.

How much is car insurance in Melrose for teenagers?

Car insurance for teenagers costs $166 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 Melrose?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $279 per month to insure your car in Melrose.

Is car insurance expensive in Melrose?

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

Cheapest Car Insurance Quotes in Melrose

Why you can trust Way?

How Much Is Car Insurance in Melrose

Avg. Car Insurance in Melrose

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Melrose

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Melrose Car Insurance Rates by Company

Cheap Car Insurance Companies in Melrose, MA

Way's key takeaways about car insurance in Melrose

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Melrose

Cheapest Liability Coverage in Melrose, MA

Cheapest Full Coverage Car Insurance in Melrose

Cheapest Full Coverage Car Insurance Quotes in Melrose, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Melrose by Rating Factor

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

Car Insurance Premiums by Age in Melrose

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Melrose,MA

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

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 Melrose

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

Melrose Car Insurance Rates by Violation

Melrose auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Melrose after a DUI

Melrose car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Melrose after Speeding ticket

Car Insurance Price Trends in Melrose, Massachusetts

Average Car Insurance Cost in Melrose by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Melrose, MA

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

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