Cheapest Car Insurance Quotes in North Scituate

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North Scituate Car Insurance

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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 North Scituate

The car insurance rate in North Scituate is $1624 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in North Scituate 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 North Scituate

$1624

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in North Scituate

1st place: Safety Group

At $473 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 $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $705 for six months, making it the third cheapest auto insurance company in North Scituate.

North Scituate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Scituate, MA is Safety Group, offering policies at just $473 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $554.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5264 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Scituate drivers find the best deals.

Cheap Car Insurance Companies in North Scituate, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$473	$78
Vermont Mutual	$554	$94
Safety	$705	$118
American Family	$793	$134
Hanover	$876	$147
Arbella	$888	$151
State Farm	$964	$162
Norfolk & Dedham	$1058	$180
Farmers	$1114	$186
Norfolk & Dedham Mutl Fire Ins	$1120	$191
Travelers	$1253	$209
Plymouth Rock	$1454	$245
Progressive	$2116	$356
USAA	$2827	$476
Allstate	$4540	$764
Amica Mutual	$5264	$895

Key Takeaways

Way's key takeaways about car insurance in North Scituate

The auto insurance costs in North Scituate fall around $473 for six months.
The cheapest auto insurance company in North Scituate is State Farm.
Teen drivers pay the highest rate in North Scituate at $817 per month.

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Cheapest Minimum Liability Car Insurance in North Scituate

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 Scituate are given below.

State Farm provides the cheapest minimum car insurance coverage in North Scituate. Their Average 6 Month Premium is $107. Allstate is the most expensive at $484 for the same period.

Cheapest Liability Coverage in North Scituate, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$107	$18
Safety Group	$152	$25
Vermont Mutual	$158	$27
American Family	$189	$32
Hanover	$214	$36
Plymouth Rock	$233	$39
Amica Mutual	$252	$42
Chubb	$252	$42
USAA	$270	$46
Norfolk & Dedham Mutl Fire Ins	$277	$47
Farmers	$289	$49
Safety	$302	$51
Norfolk & Dedham	$308	$52
The Hanover	$308	$52
Amica	$315	$53
Arbella	$328	$56
Travelers	$347	$58
Progressive	$466	$78
Allstate	$484	$81

Cheapest Full Coverage Car Insurance in North Scituate

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 Scituate is Safety Group at $78 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Scituate, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$473	$78
Vermont Mutual	$554	$94
Safety	$705	$118
American Family	$793	$134
Hanover	$876	$147
Arbella	$888	$151
State Farm	$964	$162
Norfolk & Dedham	$1058	$180
Farmers	$1114	$186
Norfolk & Dedham Mutl Fire Ins	$1120	$191
Travelers	$1253	$209
Plymouth Rock	$1454	$245
Progressive	$2116	$356
USAA	$2827	$476
Allstate	$4540	$764
Amica Mutual	$5264	$895

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Average Car Insurance in North Scituate 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 Scituate, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in North Scituate, 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 Scituate'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 Scituate

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	$381
30s	State Farm	$307
40s	State Farm	$307
50s	State Farm	$307
60s	State Farm	$271
70s	State Farm	$234

Cheapest Car Insurance Rates for Teen Drivers in North Scituate,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 Scituate at $28 per month. At $4804 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$163	$28
Vermont Mutual	$176	$30
Hanover	$201	$34
American Family	$220	$37
Safety	$283	$48
Farmers	$328	$56
State Farm	$473	$80
Plymouth Rock	$756	$127
USAA	$1159	$195
Amica Mutual	$2569	$437
Progressive	$3236	$540
Allstate	$4804	$817

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 North Scituate.

As young drivers face the highest rates in North Scituate, State Farm offers the cheapest auto insurance rates at $381 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 North Scituate.

Car Insurance Rates with An Accident in North Scituate

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Scituate

The cheapest car insurance companies after an at-fault accident in North Scituate include American Family and Safety Group, offering $259 and $289, respectively. Allstate is an expensive provider with an average six-month premium of $2166.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$43
Safety Group	$289	$49
Vermont Mutual	$296	$50
State Farm	$315	$53
Norfolk & Dedham	$497	$83
The Hanover	$535	$91
Plymouth Rock	$579	$98
Arbella	$724	$122
Safety	$762	$128
USAA	$882	$148
Travelers	$1171	$197
Hanover	$1190	$200
Progressive	$1341	$226
Amica Mutual	$1405	$239
Farmers	$2052	$342
Allstate	$2166	$368

North Scituate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Scituate MA. For example, the car insurance in North Scituate after a DUI increases to $788 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

North Scituate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$837	$140
One Med/PIP claim	$837	$142
Not-at-fault accident	$863	$144
One comp claim	$863	$146
Two Med/PIP claims	$863	$144
Two comp claims	$894	$152
At-fault accident - less than $1000	$925	$155
Child safety restraint	$957	$163
Driving without lights	$957	$159
Failure to wear a seat belt	$970	$165
Cell phone violation	$1039	$173
Texting while driving	$1039	$177
Driving too slowly	$1045	$174
Failure to stop at a red light	$1045	$178
Failure to yield	$1045	$174
Following too closely	$1045	$178
Illegal turn	$1045	$174
Improper passing	$1045	$178
Speeding 11 - 15 MPH over limit	$1045	$174
Speeding 16 - 20 MPH over limit	$1045	$178
Speeding 6 - 10 MPH over limit	$1045	$174
Speeding in school zone	$1045	$178
Wrong way/wrong lane	$1045	$174
In 65 MPH zone	$1052	$179
Speeding 21 - 25 MPH over limit	$1052	$175
Operating a vehicle without permission	$1058	$180
Passing school bus	$1102	$183
At-fault accident - $1000-$2000	$1297	$220
Failure to show documents	$1322	$220
At-fault accident - greater than $2000	$1328	$226
Driving with expired registration	$1335	$223
Open container	$1411	$240
Reckless driving	$1523	$254
Refusal to submit to a chemical test	$1555	$264
Driving with a suspended license	$1619	$269
Racing	$1619	$276
DUI	$1625	$270
Leaving scene of an accident/hit and run	$1643	$280

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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 Scituate 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 Scituate.

The cheapest car insurance premiums in North Scituate are offered by American Family at $315 for a six-month policy. However, it can be as expensive as $2688 with companies like Allstate.

North Scituate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$315	$53
Safety Group	$347	$59
Vermont Mutual	$359	$59
State Farm	$384	$65
Plymouth Rock	$699	$118
Progressive	$769	$129
Hanover	$976	$164
Arbella	$1058	$178
USAA	$1499	$252
Safety	$1568	$266
Amica Mutual	$1833	$305
Travelers	$1921	$326
Farmers	$2380	$396
Allstate	$2688	$457

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 North Scituate are offered by State Farm at $139. However, it can be as expensive as $1656 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in North Scituate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$139	$23
Safety Group	$182	$31
Vermont Mutual	$208	$35
American Family	$259	$43
Plymouth Rock	$623	$105
Safety	$882	$149
Arbella	$888	$148
USAA	$913	$155
Hanover	$1090	$183
Progressive	$1165	$198
Farmers	$1405	$234
Travelers	$1656	$282

Car Insurance Price Trends in North Scituate, Massachusetts

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

The average cost of full coverage in the North Scituate dipped by $231 in December compared to $235 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 Scituate 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 North Scituate?

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

What is the cheapest car insurance in North Scituate?

The cheapest car insurance in North Scituate is $78 per month for full coverage.

How much is car insurance in North Scituate for teenagers?

Car insurance for teenagers costs $163 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 Scituate?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $273 per month to insure your car in North Scituate.

Is car insurance expensive in North Scituate?

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

Cheapest Car Insurance Quotes in North Scituate

Why you can trust Way?

How Much Is Car Insurance in North Scituate

Avg. Car Insurance in North Scituate

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in North Scituate

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

North Scituate Car Insurance Rates by Company

Cheap Car Insurance Companies in North Scituate, MA

Way's key takeaways about car insurance in North Scituate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Scituate

Cheapest Liability Coverage in North Scituate, MA

Cheapest Full Coverage Car Insurance in North Scituate

Cheapest Full Coverage Car Insurance Quotes in North Scituate, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Scituate by Rating Factor

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

Car Insurance Premiums by Age in North Scituate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Scituate,MA

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

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 North Scituate

Cheapest Car Insurance Companies after an At-Fault Accident in North Scituate

North Scituate Car Insurance Rates by Violation

North Scituate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Scituate after a DUI

North Scituate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Scituate after Speeding ticket

Car Insurance Price Trends in North Scituate, Massachusetts

Average Car Insurance Cost in North Scituate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Scituate, MA

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

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