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Finding the cheapest car insurance quotes in Orleans 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 Orleans
The car insurance rate in Orleans is $1175 for a six-month policy, which is $331 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $348, making it a popular choice for budget-conscious drivers. Rates in Orleans 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 $348 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 $408 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 $583
for six months, making it
the third cheapest auto insurance company in Orleans.
Orleans Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Orleans, MA is Safety Group, offering policies at just $348 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $408.
At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $824 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orleans drivers find the best deals.
Way's key takeaways about car insurance in Orleans
The auto insurance costs in Orleans fall around $348 for six
months.
The cheapest auto insurance company in Orleans is State Farm.
Teen drivers pay the highest rate in Orleans at $589 per
month.
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Cheapest Minimum Liability Car Insurance in Orleans
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 Orleans are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Orleans. Their Average 6 Month Premium is $79.
Norfolk & Dedham Mutl Fire Ins is the most
expensive at $204 for the same
period.
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 Orleans is Safety Group
at $58 per month and $348
for six months.
Cheapest Full Coverage Car Insurance Quotes in Orleans,
MA
Get Your Car Insurance Quote in Orleans
Instantly!
Average Car Insurance in Orleans 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 Orleans, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Orleans, 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, Orleans's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Orleans
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
$285
30s
State Farm
$230
40s
State Farm
$230
50s
State Farm
$230
60s
State Farm
$203
70s
State Farm
$176
Cheapest Car Insurance Rates for Teen Drivers in
Orleans,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Orleans at $20
per
month. At $3535 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 Orleans.
As young drivers face the highest rates in Orleans, State Farm
offers the cheapest auto insurance rates at $285 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 Orleans,
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
Orleans is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Orleans
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 Orleans, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Orleans
The cheapest car insurance companies after an at-fault accident in
Orleans include American Family
and Safety Group, offering $190
and $213,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1899.
Here is a list of driving violations that can increase your car
insurance rates in Orleans MA. For example, the car
insurance in Orleans
after a DUI increases to $580 for a six
month policy. While the rate increases by $153 for a six-month policy in the case of
a speeding ticket.
Orleans auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$616
$103
One Med/PIP claim
$616
$105
Not-at-fault accident
$635
$106
One comp claim
$635
$108
Two Med/PIP claims
$635
$106
Two comp claims
$658
$112
At-fault accident - less than $1000
$681
$114
Child safety restraint
$704
$120
Driving without lights
$704
$117
Failure to wear a seat belt
$714
$122
Cell phone violation
$764
$127
Texting while driving
$764
$130
Driving too slowly
$769
$128
Failure to stop at a red light
$769
$131
Failure to yield
$769
$128
Following too closely
$769
$131
Illegal turn
$769
$128
Improper passing
$769
$131
Speeding 11 - 15 MPH over limit
$769
$128
Speeding 16 - 20 MPH over limit
$769
$131
Speeding 6 - 10 MPH over limit
$769
$128
Speeding in school zone
$769
$131
Wrong way/wrong lane
$769
$128
In 65 MPH zone
$774
$132
Speeding 21 - 25 MPH over limit
$774
$129
Operating a vehicle without permission
$778
$133
Passing school bus
$811
$135
At-fault accident - $1000-$2000
$955
$162
Failure to show documents
$973
$162
At-fault accident - greater than $2000
$977
$166
Driving with expired registration
$982
$164
Open container
$1038
$176
Reckless driving
$1121
$187
Refusal to submit to a chemical test
$1144
$194
Driving with a suspended license
$1191
$198
Racing
$1191
$203
DUI
$1196
$199
Leaving scene of an accident/hit and run
$1209
$206
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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 Orleans 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 Orleans.
The cheapest car insurance premiums in
Orleans are
offered by American Family at $232 for a six-month policy.
However, it can be as
expensive as $2354 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 Orleans are offered by State Farm
at $102. However,
it can be as expensive as $1423
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Orleans after Speeding ticket
Car Insurance Price Trends in Orleans,
Massachusetts
Car insurance rates in Orleans have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Orleans rose by
$179 in February
compared to $170 of January. In other words, there has been an increase by $9 when you
compare February and January.
The average cost of liability insurance in the Orleans rose to $39 in February,
compared to $34 in January.
This represents an increase of $5
when comparing February and January.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Orleans. At $2349 for a
six-month policy, insuring
your car at 2653 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 Orleans?
The car insurance in Orleans is $13 per month, which is lower than the national average.
What is the cheapest car insurance in Orleans?
The cheapest car insurance in Orleans
is $58 per month
for full coverage.
How much is car insurance in Orleans for teenagers?
Car insurance for teenagers costs $120 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
Orleans?
The average cost of car insurance is $1506 for a six-month
policy. It will cost around $198 per month to insure your
car in Orleans.
Is car insurance expensive in Orleans?
Car insurance can be expensive in Orleans if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Orleans can be
affordable.
What is the best car insurance in Orleans,
MA?
The best car insurance company in Orleans
MA is
Safety Group, offering $348 for a
six-month policy.
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Orleans Car Insurance
