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Finding the cheapest car insurance quotes in Ocean Bluff 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 Ocean Bluff
The car insurance rate in Ocean Bluff is $1670 for a six-month policy, which is $138 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Ocean Bluff 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.
At $486 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 $570 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $725
for six months, making it
the third cheapest auto insurance company in Ocean Bluff.
Ocean Bluff Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ocean Bluff, MA is Safety Group, offering policies at just $486 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $570.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5413 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Bluff drivers find the best deals.
Way's key takeaways about car insurance in Ocean Bluff
The auto insurance costs in Ocean Bluff fall around $486 for six
months.
The cheapest auto insurance company in Ocean Bluff is State Farm.
Teen drivers pay the highest rate in Ocean Bluff at $840 per
month.
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Cheapest Minimum Liability Car Insurance in Ocean Bluff
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 Ocean Bluff are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Ocean Bluff. Their Average 6 Month Premium is $110.
Allstate is the most
expensive at $498 for the same
period.
Cheapest Full Coverage Car Insurance in Ocean Bluff
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 Ocean Bluff is Safety Group
at $81 per month and $486
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ocean Bluff,
MA
Get Your Car Insurance Quote in Ocean Bluff
Instantly!
Average Car Insurance in Ocean Bluff 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 Ocean Bluff, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ocean Bluff, 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, Ocean Bluff's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ocean Bluff
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
$391
30s
State Farm
$316
40s
State Farm
$316
50s
State Farm
$316
60s
State Farm
$279
70s
State Farm
$241
Cheapest Car Insurance Rates for Teen Drivers in
Ocean Bluff,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Ocean Bluff at $28
per
month. At $4940 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 Ocean Bluff.
As young drivers face the highest rates in Ocean Bluff, State Farm
offers the cheapest auto insurance rates at $391 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 Ocean Bluff,
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
Ocean Bluff 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 Ocean Bluff.
Car Insurance Rates with An Accident in Ocean Bluff
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 Ocean Bluff, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ocean Bluff
The cheapest car insurance companies after an at-fault accident in
Ocean Bluff include American Family
and Safety Group, offering $266
and $298,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2227.
Here is a list of driving violations that can increase your car
insurance rates in Ocean Bluff MA. For example, the car
insurance in Ocean Bluff
after a DUI increases to $810 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Ocean Bluff auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$861
$144
One Med/PIP claim
$861
$146
Not-at-fault accident
$887
$148
One comp claim
$887
$150
Two Med/PIP claims
$887
$148
Two comp claims
$919
$156
At-fault accident - less than $1000
$952
$159
Child safety restraint
$984
$168
Driving without lights
$984
$164
Failure to wear a seat belt
$997
$170
Cell phone violation
$1068
$178
Texting while driving
$1068
$182
Driving too slowly
$1075
$179
Failure to stop at a red light
$1075
$183
Failure to yield
$1075
$179
Following too closely
$1075
$183
Illegal turn
$1075
$179
Improper passing
$1075
$183
Speeding 11 - 15 MPH over limit
$1075
$179
Speeding 16 - 20 MPH over limit
$1075
$183
Speeding 6 - 10 MPH over limit
$1075
$179
Speeding in school zone
$1075
$183
Wrong way/wrong lane
$1075
$179
In 65 MPH zone
$1081
$184
Speeding 21 - 25 MPH over limit
$1081
$180
Operating a vehicle without permission
$1088
$185
Passing school bus
$1134
$189
At-fault accident - $1000-$2000
$1334
$227
Failure to show documents
$1359
$227
At-fault accident - greater than $2000
$1366
$232
Driving with expired registration
$1372
$229
Open container
$1451
$246
Reckless driving
$1566
$262
Refusal to submit to a chemical test
$1599
$271
Driving with a suspended license
$1664
$277
Racing
$1664
$283
DUI
$1671
$278
Leaving scene of an accident/hit and run
$1690
$288
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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 Ocean Bluff 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 Ocean Bluff.
The cheapest car insurance premiums in
Ocean Bluff are
offered by American Family at $324 for a six-month policy.
However, it can be as
expensive as $2764 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 Ocean Bluff are offered by State Farm
at $143. However,
it can be as expensive as $1703
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Ocean Bluff after Speeding ticket
Car Insurance Price Trends in Ocean Bluff,
Massachusetts
Car insurance rates in Ocean Bluff have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ocean Bluff dipped by
$238 in December
compared to $242 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 Ocean Bluff rose to $47 in December,
compared to $46 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Ocean Bluff 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
Ocean Bluff. At $N/A for a
six-month policy, insuring
your car at N/A 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 Ocean Bluff?
The car insurance in Ocean Bluff is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Ocean Bluff?
The cheapest car insurance in Ocean Bluff
is $81 per month
for full coverage.
How much is car insurance in Ocean Bluff for teenagers?
Car insurance for teenagers costs $168 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
Ocean Bluff?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $281 per month to insure your
car in Ocean Bluff.
Is car insurance expensive in Ocean Bluff?
Car insurance can be expensive in Ocean Bluff if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ocean Bluff can be
affordable.
What is the best car insurance in Ocean Bluff,
MA?
The best car insurance company in Ocean Bluff
MA is
Safety Group, offering $486 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Ocean Bluff, MA
Car Insurance Rates by State in the USA (2025 Update)
Ocean Bluff Car Insurance
