Cheapest Car Insurance Quotes in Monument Beach

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Monument Beach Car Insurance

^$ 17

/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 Monument Beach

The car insurance rate in Monument Beach is $1521 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $450, making it a popular choice for budget-conscious drivers. Rates in Monument Beach 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 Monument Beach

$1521

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Monument Beach

1st place: Safety Group

At $450 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 $528 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 $755 for six months, making it the third cheapest auto insurance company in Monument Beach.

Monument Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monument Beach, MA is Safety Group, offering policies at just $450 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $528.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1068 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monument Beach drivers find the best deals.

Cheap Car Insurance Companies in Monument Beach, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$450	$75
Vermont Mutual	$528	$90
American Family	$755	$127
Hanover	$900	$152
State Farm	$918	$155
Safety	$924	$158
Arbella	$978	$163
Norfolk & Dedham	$1008	$172
Norfolk and Dedham Mutual Fire Insurance Company	$1068	$178
Farmers	$1194	$203
Travelers	$1392	$232
Plymouth Rock	$1410	$237
Progressive	$2051	$345
USAA	$2748	$463
Allstate	$3461	$583
Amica Mutual	$5016	$852
Norfolk & Dedham Mutl Fire Ins	$1068	$182

Key Takeaways

Way's key takeaways about car insurance in Monument Beach

The auto insurance costs in Monument Beach fall around $450 for six months.
The cheapest auto insurance company in Monument Beach is State Farm.
Teen drivers pay the highest rate in Monument Beach at $763 per month.

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

Cheapest Minimum Liability Car Insurance in Monument Beach

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 Monument Beach are given below.

State Farm provides the cheapest minimum car insurance coverage in Monument Beach. Their Average 6 Month Premium is $102. Norfolk & Dedham Mutl Fire Ins is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Monument Beach, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$102	$17
Safety Group	$144	$24
Vermont Mutual	$150	$25
American Family	$180	$30
Amica Mutual	$240	$40
Chubb	$240	$40
Plymouth Rock	$240	$40
Norfolk and Dedham Mutual Fire Insurance Company	$264	$44
USAA	$282	$47
Hanover	$288	$48
Norfolk & Dedham	$294	$49
The Hanover	$294	$49
Amica	$300	$51
Farmers	$312	$54
Safety	$354	$60
Travelers	$390	$66
Arbella	$402	$67
Progressive	$486	$82
Allstate	$624	$105
Norfolk & Dedham Mutl Fire Ins	$264	$44

Cheapest Full Coverage Car Insurance in Monument Beach

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 Monument Beach is Safety Group at $75 per month and $450 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monument Beach, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$450	$75
Vermont Mutual	$528	$90
American Family	$755	$127
Hanover	$900	$152
State Farm	$918	$155
Safety	$924	$158
Arbella	$978	$163
Norfolk & Dedham	$1008	$172
Norfolk and Dedham Mutual Fire Insurance Company	$1068	$178
Farmers	$1194	$203
Travelers	$1392	$232
Plymouth Rock	$1410	$237
Progressive	$2051	$345
USAA	$2748	$463
Allstate	$3461	$583
Amica Mutual	$5016	$852
Norfolk & Dedham Mutl Fire Ins	$1068	$182

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Average Car Insurance in Monument Beach 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 Monument Beach, MA increasing?

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

Car Insurance Premiums by Age in Monument Beach

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	$369
30s	State Farm	$298
40s	State Farm	$298
50s	State Farm	$298
60s	State Farm	$263
70s	State Farm	$227

Cheapest Car Insurance Rates for Teen Drivers in Monument Beach,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Monument Beach at $26 per month. At $4577 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$156	$26
Vermont Mutual	$168	$28
Hanover	$192	$32
American Family	$210	$35
Safety	$270	$45
Farmers	$312	$52
State Farm	$450	$76
Plymouth Rock	$720	$121
USAA	$1104	$186
Amica Mutual	$2448	$408
Progressive	$3084	$524
Allstate	$4577	$763

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 Monument Beach.

As young drivers face the highest rates in Monument Beach, State Farm offers the cheapest auto insurance rates at $369 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.

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Save up to $971/yr on car insurance rates in Monument Beach.

Car Insurance Rates with An Accident in Monument Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Monument Beach

The cheapest car insurance companies after an at-fault accident in Monument Beach include American Family and Safety Group, offering $246 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $2459.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$246	$41
Safety Group	$276	$46
Vermont Mutual	$282	$47
State Farm	$300	$51
Norfolk & Dedham	$474	$79
The Hanover	$510	$87
Plymouth Rock	$576	$97
Arbella	$768	$129
USAA	$900	$152
Safety	$953	$161
Hanover	$1253	$211
Travelers	$1290	$217
Amica Mutual	$1338	$223
Progressive	$1392	$234
Farmers	$2202	$367
Allstate	$2459	$414

Monument Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monument Beach MA. For example, the car insurance in Monument Beach after a DUI increases to $750 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Monument Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$798	$133
One Med/PIP claim	$798	$135
Not-at-fault accident	$822	$137
One comp claim	$822	$139
Two Med/PIP claims	$822	$137
Two comp claims	$851	$144
At-fault accident - less than $1000	$882	$147
Child safety restraint	$912	$156
Driving without lights	$912	$152
Failure to wear a seat belt	$924	$158
Cell phone violation	$990	$165
Texting while driving	$990	$169
Driving too slowly	$996	$166
Failure to stop at a red light	$996	$170
Failure to yield	$996	$166
Following too closely	$996	$170
Illegal turn	$996	$166
Improper passing	$996	$170
Speeding 11 - 15 MPH over limit	$996	$166
Speeding 16 - 20 MPH over limit	$996	$170
Speeding 6 - 10 MPH over limit	$996	$166
Speeding in school zone	$996	$170
Wrong way/wrong lane	$996	$166
In 65 MPH zone	$1002	$171
Speeding 21 - 25 MPH over limit	$1002	$167
Operating a vehicle without permission	$1008	$172
Passing school bus	$1050	$175
At-fault accident - $1000-$2000	$1236	$210
Failure to show documents	$1259	$210
At-fault accident - greater than $2000	$1266	$215
Driving with expired registration	$1272	$212
Open container	$1344	$228
Reckless driving	$1451	$242
Refusal to submit to a chemical test	$1482	$251
Driving with a suspended license	$1542	$257
Racing	$1542	$263
DUI	$1548	$258
Leaving scene of an accident/hit and run	$1566	$267

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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 Monument Beach 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 Monument Beach.

The cheapest car insurance premiums in Monument Beach are offered by American Family at $300 for a six-month policy. However, it can be as expensive as $3048 with companies like Allstate.

Monument Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$300	$51
Safety Group	$330	$57
Vermont Mutual	$342	$57
State Farm	$366	$62
Plymouth Rock	$714	$120
Progressive	$774	$130
Hanover	$1032	$174
Arbella	$1122	$189
USAA	$1530	$258
Amica Mutual	$1746	$297
Travelers	$2153	$359
Safety	$2226	$379
Farmers	$2555	$426
Allstate	$3048	$513

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 Monument Beach are offered by State Farm at $132. However, it can be as expensive as $1842 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Monument Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$132	$22
Safety Group	$174	$29
Vermont Mutual	$198	$33
American Family	$246	$41
Plymouth Rock	$684	$115
Arbella	$978	$167
USAA	$1002	$167
Hanover	$1151	$194
Safety	$1206	$201
Progressive	$1302	$221
Farmers	$1506	$250
Allstate	$1734	$295
Travelers	$1842	$307

Car Insurance Price Trends in Monument Beach, Massachusetts

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

The average cost of full coverage in the Monument Beach rose by $232 in February compared to $220 of January. In other words, there has been an increase by $12 when you compare February and January.

The average cost of liability insurance in the Monument Beach rose to $51 in February, compared to $43 in January. This represents an increase of $8 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Monument Beach?

The car insurance in Monument Beach is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Monument Beach?

The cheapest car insurance in Monument Beach is $75 per month for full coverage.

How much is car insurance in Monument Beach for teenagers?

Car insurance for teenagers costs $156 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 Monument Beach?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $257 per month to insure your car in Monument Beach.

Is car insurance expensive in Monument Beach?

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

Cheapest Car Insurance Quotes in Monument Beach

Why you can trust Way?

How Much Is Car Insurance in Monument Beach

Avg. Car Insurance in Monument Beach

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Monument Beach

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Monument Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Monument Beach, MA

Way's key takeaways about car insurance in Monument Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monument Beach

Cheapest Liability Coverage in Monument Beach, MA

Cheapest Full Coverage Car Insurance in Monument Beach

Cheapest Full Coverage Car Insurance Quotes in Monument Beach, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monument Beach by Rating Factor

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

Car Insurance Premiums by Age in Monument Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monument Beach,MA

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

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 Monument Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Monument Beach

Monument Beach Car Insurance Rates by Violation

Monument Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monument Beach after a DUI

Monument Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monument Beach after Speeding ticket

Car Insurance Price Trends in Monument Beach, Massachusetts

Average Car Insurance Cost in Monument Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monument Beach, MA

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

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