Cheapest Car Insurance Quotes in New Bedford

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New Bedford Car Insurance

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/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 New Bedford

The car insurance rate in New Bedford is $1973 for a six-month policy, which is $467 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in New Bedford 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 New Bedford

$1973

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in New Bedford

1st place: Safety Group

At $584 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 $685 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 $980 for six months, making it the third cheapest auto insurance company in New Bedford.

New Bedford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Bedford, MA is Safety Group, offering policies at just $584 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $685.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1385 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Bedford drivers find the best deals.

Cheap Car Insurance Companies in New Bedford, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$584	$97
Vermont Mutual	$685	$117
American Family	$980	$165
Hanover	$1167	$197
State Farm	$1191	$200
Safety	$1199	$204
Arbella	$1268	$211
Norfolk & Dedham	$1307	$223
Norfolk and Dedham Mutual Fire Insurance Company	$1385	$231
Farmers	$1548	$263
Travelers	$1805	$301
Plymouth Rock	$1829	$308
Progressive	$2661	$448
USAA	$3565	$600
Allstate	$4489	$756
Amica Mutual	$6505	$1106
Norfolk & Dedham Mutl Fire Ins	$1385	$236

Key Takeaways

Way's key takeaways about car insurance in New Bedford

The auto insurance costs in New Bedford fall around $584 for six months.
The cheapest auto insurance company in New Bedford is State Farm.
Teen drivers pay the highest rate in New Bedford at $989 per month.

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Cheapest Minimum Liability Car Insurance in New Bedford

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 New Bedford are given below.

State Farm provides the cheapest minimum car insurance coverage in New Bedford. Their Average 6 Month Premium is $132. Norfolk & Dedham Mutl Fire Ins is the most expensive at $342 for the same period.

Cheapest Liability Coverage in New Bedford, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$132	$22
Safety Group	$187	$31
Vermont Mutual	$195	$33
American Family	$233	$39
Amica Mutual	$312	$52
Chubb	$312	$52
Plymouth Rock	$312	$52
Norfolk and Dedham Mutual Fire Insurance Company	$342	$58
USAA	$365	$62
Hanover	$373	$63
Norfolk & Dedham	$381	$64
The Hanover	$381	$64
Amica	$389	$66
Farmers	$405	$69
Safety	$459	$77
Travelers	$506	$85
Arbella	$521	$86
Progressive	$630	$106
Allstate	$810	$136
Norfolk & Dedham Mutl Fire Ins	$342	$58

Cheapest Full Coverage Car Insurance in New Bedford

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 New Bedford is Safety Group at $97 per month and $584 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Bedford, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$584	$97
Vermont Mutual	$685	$117
American Family	$980	$165
Hanover	$1167	$197
State Farm	$1191	$200
Safety	$1199	$204
Arbella	$1268	$211
Norfolk & Dedham	$1307	$223
Norfolk and Dedham Mutual Fire Insurance Company	$1385	$231
Farmers	$1548	$263
Travelers	$1805	$301
Plymouth Rock	$1829	$308
Progressive	$2661	$448
USAA	$3565	$600
Allstate	$4489	$756
Amica Mutual	$6505	$1106
Norfolk & Dedham Mutl Fire Ins	$1385	$236

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Average Car Insurance in New Bedford 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 New Bedford, MA increasing?

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

Car Insurance Premiums by Age in New Bedford

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	$478
30s	State Farm	$386
40s	State Farm	$386
50s	State Farm	$386
60s	State Farm	$341
70s	State Farm	$295

Cheapest Car Insurance Rates for Teen Drivers in New Bedford,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the New Bedford at $34 per month. At $5937 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$202	$34
Vermont Mutual	$217	$37
Hanover	$249	$42
American Family	$272	$46
Safety	$350	$59
Farmers	$405	$67
State Farm	$584	$98
Plymouth Rock	$934	$157
USAA	$1432	$241
Amica Mutual	$3175	$529
Progressive	$3999	$680
Allstate	$5937	$989

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 New Bedford.

As young drivers face the highest rates in New Bedford, State Farm offers the cheapest auto insurance rates at $478 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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Car Insurance Rates with An Accident in New Bedford

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Bedford

The cheapest car insurance companies after an at-fault accident in New Bedford include American Family and Safety Group, offering $320 and $358, respectively. Allstate is an expensive provider with an average six-month premium of $3190.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Safety Group	$358	$60
Vermont Mutual	$365	$62
State Farm	$389	$66
Norfolk & Dedham	$614	$102
The Hanover	$662	$113
Plymouth Rock	$747	$126
Arbella	$996	$168
USAA	$1167	$197
Safety	$1237	$208
Hanover	$1626	$274
Travelers	$1673	$282
Amica Mutual	$1736	$290
Progressive	$1805	$304
Farmers	$2856	$476
Allstate	$3190	$537

New Bedford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Bedford MA. For example, the car insurance in New Bedford after a DUI increases to $973 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

New Bedford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1035	$173
One Med/PIP claim	$1035	$176
Not-at-fault accident	$1066	$178
One comp claim	$1066	$181
Two Med/PIP claims	$1066	$178
Two comp claims	$1104	$187
At-fault accident - less than $1000	$1144	$191
Child safety restraint	$1183	$202
Driving without lights	$1183	$197
Failure to wear a seat belt	$1199	$204
Cell phone violation	$1284	$214
Texting while driving	$1284	$219
Driving too slowly	$1292	$215
Failure to stop at a red light	$1292	$220
Failure to yield	$1292	$215
Following too closely	$1292	$220
Illegal turn	$1292	$215
Improper passing	$1292	$220
Speeding 11 - 15 MPH over limit	$1292	$215
Speeding 16 - 20 MPH over limit	$1292	$220
Speeding 6 - 10 MPH over limit	$1292	$215
Speeding in school zone	$1292	$220
Wrong way/wrong lane	$1292	$215
In 65 MPH zone	$1300	$221
Speeding 21 - 25 MPH over limit	$1300	$216
Operating a vehicle without permission	$1307	$223
Passing school bus	$1362	$227
At-fault accident - $1000-$2000	$1603	$272
Failure to show documents	$1634	$272
At-fault accident - greater than $2000	$1641	$279
Driving with expired registration	$1649	$275
Open container	$1744	$296
Reckless driving	$1882	$314
Refusal to submit to a chemical test	$1922	$326
Driving with a suspended license	$2000	$333
Racing	$2000	$341
DUI	$2008	$334
Leaving scene of an accident/hit and run	$2031	$346

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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 New Bedford 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 New Bedford.

The cheapest car insurance premiums in New Bedford are offered by American Family at $389 for a six-month policy. However, it can be as expensive as $3954 with companies like Allstate.

New Bedford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$389	$66
Safety Group	$428	$73
Vermont Mutual	$444	$73
State Farm	$474	$80
Plymouth Rock	$926	$156
Progressive	$1003	$169
Hanover	$1339	$225
Arbella	$1455	$245
USAA	$1985	$334
Amica Mutual	$2265	$385
Travelers	$2793	$465
Safety	$2887	$491
Farmers	$3314	$553
Allstate	$3954	$665

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 New Bedford are offered by State Farm at $172. However, it can be as expensive as $2389 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in New Bedford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$172	$29
Safety Group	$225	$38
Vermont Mutual	$257	$43
American Family	$320	$54
Plymouth Rock	$887	$149
Arbella	$1268	$216
USAA	$1300	$216
Hanover	$1493	$252
Safety	$1564	$261
Progressive	$1689	$287
Farmers	$1953	$325
Allstate	$2249	$383
Travelers	$2389	$398

Car Insurance Price Trends in New Bedford, Massachusetts

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

The average cost of full coverage in the New Bedford rose by $301 in February compared to $286 of January. In other words, there has been an increase by $15 when you compare February and January.

The average cost of liability insurance in the New Bedford rose to $66 in February, compared to $56 in January. This represents an increase of $10 when comparing February and January.

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Average Car Insurance Cost in New Bedford 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 New Bedford. At $2288 for a six-month policy, insuring your car at 2746 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
2746	$2288	$385
2745	$2485	$419
2744	$2189	$369
2740	$2860	$482

Frequently Asked Questions

How much is car insurance in New Bedford?

The car insurance in New Bedford is $22 per month, which is lower than the national average.

What is the cheapest car insurance in New Bedford?

The cheapest car insurance in New Bedford is $97 per month for full coverage.

How much is car insurance in New Bedford for teenagers?

Car insurance for teenagers costs $202 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 New Bedford?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $333 per month to insure your car in New Bedford.

Is car insurance expensive in New Bedford?

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

What is the best car insurance in New Bedford, MA?

The best car insurance company in New Bedford MA is Safety Group, offering $584 for a six-month policy.