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Finding the cheapest car insurance quotes in North Chelmsford 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 North Chelmsford
The car insurance rate in North Chelmsford is $1455 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in North Chelmsford 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.
Cheapest Car Insurance Companies in North Chelmsford
1st place: Safety Group
At $424 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 $497 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $632
for six months, making it
the third cheapest auto insurance company in North Chelmsford.
North Chelmsford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in North Chelmsford, MA is Safety Group, offering policies at just $424 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $497.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4718 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Chelmsford drivers find the best deals.
Cheap Car Insurance Companies in North Chelmsford, MA
Way's key takeaways about car insurance in North Chelmsford
The auto insurance costs in North Chelmsford fall around $424 for six
months.
The cheapest auto insurance company in North Chelmsford is State Farm.
Teen drivers pay the highest rate in North Chelmsford at $732 per
month.
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Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in North Chelmsford
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 North Chelmsford are given below.
State Farm provides
the cheapest minimum car insurance
coverage in North Chelmsford. Their Average 6 Month Premium is $96.
Allstate is the most
expensive at $434 for the same
period.
Cheapest Liability Coverage in North Chelmsford, MA
Cheapest Full Coverage Car Insurance in North Chelmsford
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 North Chelmsford is Safety Group
at $70 per month and $424
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Chelmsford,
MA
Get Your Car Insurance Quote in North Chelmsford
Instantly!
Average Car Insurance in North Chelmsford 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 North Chelmsford, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in North Chelmsford, 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, North Chelmsford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in North Chelmsford
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
$341
30s
State Farm
$276
40s
State Farm
$276
50s
State Farm
$276
60s
State Farm
$243
70s
State Farm
$210
Cheapest Car Insurance Rates for Teen Drivers in
North Chelmsford,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the North Chelmsford at $25
per
month. At $4305 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 North Chelmsford.
As young drivers face the highest rates in North Chelmsford, State Farm
offers the cheapest auto insurance rates at $341 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 North Chelmsford,
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
North Chelmsford 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 North Chelmsford.
Car Insurance Rates with An Accident in North Chelmsford
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 North Chelmsford, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in North Chelmsford
The cheapest car insurance companies after an at-fault accident in
North Chelmsford include American Family
and Safety Group, offering $232
and $259,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1941.
Here is a list of driving violations that can increase your car
insurance rates in North Chelmsford MA. For example, the car
insurance in North Chelmsford
after a DUI increases to $705 for a six
month policy. While the rate increases by $186 for a six-month policy in the case of
a speeding ticket.
North Chelmsford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$751
$125
One Med/PIP claim
$751
$127
Not-at-fault accident
$773
$129
One comp claim
$773
$131
Two Med/PIP claims
$773
$129
Two comp claims
$801
$136
At-fault accident - less than $1000
$829
$139
Child safety restraint
$858
$146
Driving without lights
$858
$143
Failure to wear a seat belt
$869
$148
Cell phone violation
$931
$155
Texting while driving
$931
$159
Driving too slowly
$937
$156
Failure to stop at a red light
$937
$160
Failure to yield
$937
$156
Following too closely
$937
$160
Illegal turn
$937
$156
Improper passing
$937
$160
Speeding 11 - 15 MPH over limit
$937
$156
Speeding 16 - 20 MPH over limit
$937
$160
Speeding 6 - 10 MPH over limit
$937
$156
Speeding in school zone
$937
$160
Wrong way/wrong lane
$937
$156
In 65 MPH zone
$942
$161
Speeding 21 - 25 MPH over limit
$942
$157
Operating a vehicle without permission
$948
$162
Passing school bus
$988
$164
At-fault accident - $1000-$2000
$1163
$198
Failure to show documents
$1185
$198
At-fault accident - greater than $2000
$1190
$202
Driving with expired registration
$1196
$200
Open container
$1264
$215
Reckless driving
$1365
$228
Refusal to submit to a chemical test
$1394
$237
Driving with a suspended license
$1451
$241
Racing
$1451
$247
DUI
$1456
$242
Leaving scene of an accident/hit and run
$1473
$251
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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 North Chelmsford 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 North Chelmsford.
The cheapest car insurance premiums in
North Chelmsford are
offered by American Family at $282 for a six-month policy.
However, it can be as
expensive as $2409 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 North Chelmsford are offered by State Farm
at $124. However,
it can be as expensive as $1484
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in North Chelmsford after Speeding ticket
Car Insurance Price Trends in North Chelmsford,
Massachusetts
Car insurance rates in North Chelmsford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the North Chelmsford dipped by
$207 in December
compared to $211 of November. In other words, there has been an decrease by $4 when you
compare December and November.
The average cost of liability insurance in the North Chelmsford rose to $41 in December,
compared to $40 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in North Chelmsford 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
North Chelmsford. At $2910 for a
six-month policy, insuring
your car at 1863 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 North Chelmsford?
The car insurance in North Chelmsford is $16 per month, which is lower than the national average.
What is the cheapest car insurance in North Chelmsford?
The cheapest car insurance in North Chelmsford
is $70 per month
for full coverage.
How much is car insurance in North Chelmsford for teenagers?
Car insurance for teenagers costs $146 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
North Chelmsford?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $245 per month to insure your
car in North Chelmsford.
Is car insurance expensive in North Chelmsford?
Car insurance can be expensive in North Chelmsford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in North Chelmsford can be
affordable.
What is the best car insurance in North Chelmsford,
MA?
The best car insurance company in North Chelmsford
MA is
Safety Group, offering $424 for a
six-month policy.
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Find Car Insurance Rates in Cities Near North Chelmsford, MA
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North Chelmsford Car Insurance
