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Finding the cheapest car insurance quotes in Pepperell 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 Pepperell
The car insurance rate in Pepperell is $1287 for a six-month policy, which is $245 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Pepperell 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 $375 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 $439 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $559
for six months, making it
the third cheapest auto insurance company in Pepperell.
Pepperell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pepperell, MA is Safety Group, offering policies at just $375 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $439.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4171 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pepperell drivers find the best deals.
Way's key takeaways about car insurance in Pepperell
The auto insurance costs in Pepperell fall around $375 for six
months.
The cheapest auto insurance company in Pepperell is State Farm.
Teen drivers pay the highest rate in Pepperell at $648 per
month.
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Cheapest Minimum Liability Car Insurance in Pepperell
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 Pepperell are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Pepperell. Their Average 6 Month Premium is $85.
Allstate is the most
expensive at $384 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 Pepperell is Safety Group
at $62 per month and $375
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pepperell,
MA
Get Your Car Insurance Quote in Pepperell
Instantly!
Average Car Insurance in Pepperell 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 Pepperell, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pepperell, 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, Pepperell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pepperell
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
$302
30s
State Farm
$244
40s
State Farm
$244
50s
State Farm
$244
60s
State Farm
$215
70s
State Farm
$186
Cheapest Car Insurance Rates for Teen Drivers in
Pepperell,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Pepperell at $22
per
month. At $3807 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 Pepperell.
As young drivers face the highest rates in Pepperell, State Farm
offers the cheapest auto insurance rates at $302 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 Pepperell,
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
Pepperell 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 Pepperell.
Car Insurance Rates with An Accident in Pepperell
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 Pepperell, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pepperell
The cheapest car insurance companies after an at-fault accident in
Pepperell include American Family
and Safety Group, offering $205
and $229,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1716.
Here is a list of driving violations that can increase your car
insurance rates in Pepperell MA. For example, the car
insurance in Pepperell
after a DUI increases to $624 for a six
month policy. While the rate increases by $164 for a six-month policy in the case of
a speeding ticket.
Pepperell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$664
$111
One Med/PIP claim
$664
$113
Not-at-fault accident
$684
$114
One comp claim
$684
$116
Two Med/PIP claims
$684
$114
Two comp claims
$708
$120
At-fault accident - less than $1000
$733
$123
Child safety restraint
$759
$129
Driving without lights
$759
$126
Failure to wear a seat belt
$769
$131
Cell phone violation
$823
$137
Texting while driving
$823
$140
Driving too slowly
$828
$138
Failure to stop at a red light
$828
$141
Failure to yield
$828
$138
Following too closely
$828
$141
Illegal turn
$828
$138
Improper passing
$828
$141
Speeding 11 - 15 MPH over limit
$828
$138
Speeding 16 - 20 MPH over limit
$828
$141
Speeding 6 - 10 MPH over limit
$828
$138
Speeding in school zone
$828
$141
Wrong way/wrong lane
$828
$138
In 65 MPH zone
$833
$142
Speeding 21 - 25 MPH over limit
$833
$139
Operating a vehicle without permission
$838
$143
Passing school bus
$874
$145
At-fault accident - $1000-$2000
$1028
$175
Failure to show documents
$1047
$175
At-fault accident - greater than $2000
$1053
$179
Driving with expired registration
$1058
$176
Open container
$1118
$190
Reckless driving
$1207
$202
Refusal to submit to a chemical test
$1232
$209
Driving with a suspended license
$1283
$213
Racing
$1283
$218
DUI
$1288
$214
Leaving scene of an accident/hit and run
$1302
$222
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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 Pepperell 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 Pepperell.
The cheapest car insurance premiums in
Pepperell are
offered by American Family at $249 for a six-month policy.
However, it can be as
expensive as $2130 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 Pepperell are offered by State Farm
at $110. However,
it can be as expensive as $1312
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Pepperell after Speeding ticket
Car Insurance Price Trends in Pepperell,
Massachusetts
Car insurance rates in Pepperell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pepperell dipped by
$183 in December
compared to $186 of November. In other words, there has been an decrease by $3 when you
compare December and November.
The average cost of liability insurance in the Pepperell rose to $36 in December,
compared to $35 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Pepperell 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
Pepperell. At $2573 for a
six-month policy, insuring
your car at 1463 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 Pepperell?
The car insurance in Pepperell is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Pepperell?
The cheapest car insurance in Pepperell
is $62 per month
for full coverage.
How much is car insurance in Pepperell for teenagers?
Car insurance for teenagers costs $129 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
Pepperell?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $217 per month to insure your
car in Pepperell.
Is car insurance expensive in Pepperell?
Car insurance can be expensive in Pepperell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pepperell can be
affordable.
What is the best car insurance in Pepperell,
MA?
The best car insurance company in Pepperell
MA is
Safety Group, offering $375 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pepperell, MA
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Pepperell Car Insurance
