Cheapest Car Insurance Quotes in Methuen Town

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Methuen Town Car Insurance

^$ 20

/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 Methuen Town

The car insurance rate in Methuen Town is $1762 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Methuen Town 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 Methuen Town

$1762

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Methuen Town

1st place: Safety Group

At $522 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 $612 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $875 for six months, making it the third cheapest auto insurance company in Methuen Town.

Methuen Town Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Methuen Town, MA is Safety Group, offering policies at just $522 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $612.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1237 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Methuen Town drivers find the best deals.

Cheap Car Insurance Companies in Methuen Town, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$522	$87
Vermont Mutual	$612	$104
American Family	$875	$147
Hanover	$1042	$176
State Farm	$1064	$179
Safety	$1071	$183
Arbella	$1133	$188
Norfolk & Dedham	$1168	$199
Norfolk and Dedham Mutual Fire Insurance Company	$1237	$206
Farmers	$1383	$235
Travelers	$1612	$269
Plymouth Rock	$1633	$275
Progressive	$2376	$400
USAA	$3184	$536
Allstate	$4010	$675
Amica Mutual	$5810	$987
Norfolk & Dedham Mutl Fire Ins	$1237	$211

Key Takeaways

Way's key takeaways about car insurance in Methuen Town

The auto insurance costs in Methuen Town fall around $522 for six months.
The cheapest auto insurance company in Methuen Town is State Farm.
Teen drivers pay the highest rate in Methuen Town at $883 per month.

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Cheapest Minimum Liability Car Insurance in Methuen Town

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 Methuen Town are given below.

State Farm provides the cheapest minimum car insurance coverage in Methuen Town. Their Average 6 Month Premium is $118. Norfolk & Dedham Mutl Fire Ins is the most expensive at $305 for the same period.

Cheapest Liability Coverage in Methuen Town, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$118	$20
Safety Group	$167	$28
Vermont Mutual	$174	$29
American Family	$208	$35
Amica Mutual	$278	$47
Chubb	$278	$47
Plymouth Rock	$278	$47
Norfolk and Dedham Mutual Fire Insurance Company	$305	$51
USAA	$326	$55
Hanover	$333	$56
Norfolk & Dedham	$340	$57
The Hanover	$340	$57
Amica	$347	$59
Farmers	$362	$62
Safety	$410	$69
Travelers	$452	$76
Arbella	$466	$77
Progressive	$563	$95
Allstate	$723	$122
Norfolk & Dedham Mutl Fire Ins	$305	$51

Cheapest Full Coverage Car Insurance in Methuen Town

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 Methuen Town is Safety Group at $87 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Methuen Town, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$522	$87
Vermont Mutual	$612	$104
American Family	$875	$147
Hanover	$1042	$176
State Farm	$1064	$179
Safety	$1071	$183
Arbella	$1133	$188
Norfolk & Dedham	$1168	$199
Norfolk and Dedham Mutual Fire Insurance Company	$1237	$206
Farmers	$1383	$235
Travelers	$1612	$269
Plymouth Rock	$1633	$275
Progressive	$2376	$400
USAA	$3184	$536
Allstate	$4010	$675
Amica Mutual	$5810	$987
Norfolk & Dedham Mutl Fire Ins	$1237	$211

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Average Car Insurance in Methuen Town 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 Methuen Town, MA increasing?

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

Car Insurance Premiums by Age in Methuen Town

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	$427
30s	State Farm	$345
40s	State Farm	$345
50s	State Farm	$345
60s	State Farm	$304
70s	State Farm	$263

Cheapest Car Insurance Rates for Teen Drivers in Methuen Town,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Methuen Town at $30 per month. At $5302 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$180	$30
Vermont Mutual	$194	$33
Hanover	$222	$37
American Family	$243	$41
Safety	$312	$53
Farmers	$362	$60
State Farm	$522	$88
Plymouth Rock	$834	$140
USAA	$1279	$215
Amica Mutual	$2836	$473
Progressive	$3572	$607
Allstate	$5302	$883

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 Methuen Town.

As young drivers face the highest rates in Methuen Town, State Farm offers the cheapest auto insurance rates at $427 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 Methuen Town.

Car Insurance Rates with An Accident in Methuen Town

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

Cheapest Car Insurance Companies after an At-Fault Accident in Methuen Town

The cheapest car insurance companies after an at-fault accident in Methuen Town include American Family and Safety Group, offering $285 and $319, respectively. Allstate is an expensive provider with an average six-month premium of $2849.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$285	$48
Safety Group	$319	$54
Vermont Mutual	$326	$55
State Farm	$347	$59
Norfolk & Dedham	$549	$91
The Hanover	$591	$101
Plymouth Rock	$667	$112
Arbella	$889	$150
USAA	$1042	$176
Safety	$1104	$186
Hanover	$1452	$245
Travelers	$1494	$252
Amica Mutual	$1550	$259
Progressive	$1612	$271
Farmers	$2551	$425
Allstate	$2849	$480

Methuen Town Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Methuen Town MA. For example, the car insurance in Methuen Town after a DUI increases to $870 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Methuen Town auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$924	$154
One Med/PIP claim	$924	$157
Not-at-fault accident	$952	$159
One comp claim	$952	$161
Two Med/PIP claims	$952	$159
Two comp claims	$986	$167
At-fault accident - less than $1000	$1021	$171
Child safety restraint	$1057	$180
Driving without lights	$1057	$176
Failure to wear a seat belt	$1071	$183
Cell phone violation	$1147	$191
Texting while driving	$1147	$195
Driving too slowly	$1154	$192
Failure to stop at a red light	$1154	$197
Failure to yield	$1154	$192
Following too closely	$1154	$197
Illegal turn	$1154	$192
Improper passing	$1154	$197
Speeding 11 - 15 MPH over limit	$1154	$192
Speeding 16 - 20 MPH over limit	$1154	$197
Speeding 6 - 10 MPH over limit	$1154	$192
Speeding in school zone	$1154	$197
Wrong way/wrong lane	$1154	$192
In 65 MPH zone	$1161	$198
Speeding 21 - 25 MPH over limit	$1161	$193
Operating a vehicle without permission	$1168	$199
Passing school bus	$1217	$202
At-fault accident - $1000-$2000	$1432	$243
Failure to show documents	$1459	$243
At-fault accident - greater than $2000	$1466	$249
Driving with expired registration	$1473	$246
Open container	$1557	$264
Reckless driving	$1681	$281
Refusal to submit to a chemical test	$1716	$291
Driving with a suspended license	$1787	$297
Racing	$1787	$304
DUI	$1794	$298
Leaving scene of an accident/hit and run	$1814	$309

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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 Methuen Town 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 Methuen Town.

The cheapest car insurance premiums in Methuen Town are offered by American Family at $347 for a six-month policy. However, it can be as expensive as $3531 with companies like Allstate.

Methuen Town car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$347	$59
Safety Group	$383	$66
Vermont Mutual	$397	$66
State Farm	$424	$71
Plymouth Rock	$827	$139
Progressive	$896	$151
Hanover	$1196	$201
Arbella	$1300	$219
USAA	$1773	$298
Amica Mutual	$2023	$344
Travelers	$2494	$415
Safety	$2579	$439
Farmers	$2960	$494
Allstate	$3531	$594

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 Methuen Town are offered by State Farm at $153. However, it can be as expensive as $2134 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Methuen Town after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$153	$26
Safety Group	$201	$34
Vermont Mutual	$229	$39
American Family	$285	$48
Plymouth Rock	$792	$133
Arbella	$1133	$193
USAA	$1161	$193
Hanover	$1334	$225
Safety	$1397	$233
Progressive	$1508	$256
Farmers	$1744	$290
Allstate	$2009	$342
Travelers	$2134	$356

Car Insurance Price Trends in Methuen Town, Massachusetts

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

The average cost of full coverage in the Methuen Town rose by $269 in February compared to $255 of January. In other words, there has been an increase by $14 when you compare February and January.

The average cost of liability insurance in the Methuen Town rose to $59 in February, compared to $50 in January. This represents an increase of $9 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Methuen Town?

The car insurance in Methuen Town is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Methuen Town?

The cheapest car insurance in Methuen Town is $87 per month for full coverage.

How much is car insurance in Methuen Town for teenagers?

Car insurance for teenagers costs $180 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 Methuen Town?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $297 per month to insure your car in Methuen Town.

Is car insurance expensive in Methuen Town?

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

Cheapest Car Insurance Quotes in Methuen Town

Why you can trust Way?

How Much Is Car Insurance in Methuen Town

Avg. Car Insurance in Methuen Town

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Methuen Town

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Methuen Town Car Insurance Rates by Company

Cheap Car Insurance Companies in Methuen Town, MA

Way's key takeaways about car insurance in Methuen Town

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Methuen Town

Cheapest Liability Coverage in Methuen Town, MA

Cheapest Full Coverage Car Insurance in Methuen Town

Cheapest Full Coverage Car Insurance Quotes in Methuen Town, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Methuen Town by Rating Factor

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

Car Insurance Premiums by Age in Methuen Town

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Methuen Town,MA

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

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 Methuen Town

Cheapest Car Insurance Companies after an At-Fault Accident in Methuen Town

Methuen Town Car Insurance Rates by Violation

Methuen Town auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Methuen Town after a DUI

Methuen Town car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Methuen Town after Speeding ticket

Car Insurance Price Trends in Methuen Town, Massachusetts

Average Car Insurance Cost in Methuen Town by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Methuen Town, MA

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

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