Cheapest Car Insurance Quotes in Sagamore

Finding the cheapest car insurance quotes in Sagamore 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Sagamore Car Insurance

^$ 17

/mo

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 Sagamore

The car insurance rate in Sagamore is $1547 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $450, making it a popular choice for budget-conscious drivers. Rates in Sagamore 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 Sagamore

$1547

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Sagamore

1st place: Safety Group

At $450 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 $528 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Sagamore.

Sagamore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sagamore, MA is Safety Group, offering policies at just $450 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $528.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sagamore drivers find the best deals.

Cheap Car Insurance Companies in Sagamore, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$450	$75
Vermont Mutual	$528	$90
Safety	$672	$112
American Family	$755	$127
Hanover	$834	$140
Arbella	$846	$143
State Farm	$918	$155
Norfolk & Dedham	$1008	$172
Farmers	$1062	$177
Norfolk & Dedham Mutl Fire Ins	$1068	$182
Travelers	$1194	$199
Plymouth Rock	$1386	$233
Progressive	$2016	$339
USAA	$2694	$453
Allstate	$4326	$728
Amica Mutual	$5016	$852

Key Takeaways

Way's key takeaways about car insurance in Sagamore

The auto insurance costs in Sagamore fall around $450 for six months.
The cheapest auto insurance company in Sagamore is State Farm.
Teen drivers pay the highest rate in Sagamore at $779 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sagamore

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 Sagamore are given below.

State Farm provides the cheapest minimum car insurance coverage in Sagamore. Their Average 6 Month Premium is $102. Allstate is the most expensive at $462 for the same period.

Cheapest Liability Coverage in Sagamore, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$102	$17
Safety Group	$144	$24
Vermont Mutual	$150	$25
American Family	$180	$30
Hanover	$204	$34
Plymouth Rock	$222	$37
Amica Mutual	$240	$40
Chubb	$240	$40
USAA	$258	$43
Norfolk & Dedham Mutl Fire Ins	$264	$44
Farmers	$276	$46
Safety	$288	$48
Norfolk & Dedham	$294	$49
The Hanover	$294	$49
Amica	$300	$51
Arbella	$312	$54
Travelers	$330	$56
Progressive	$444	$75
Allstate	$462	$77

Cheapest Full Coverage Car Insurance in Sagamore

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 Sagamore is Safety Group at $75 per month and $450 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sagamore, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$450	$75
Vermont Mutual	$528	$90
Safety	$672	$112
American Family	$755	$127
Hanover	$834	$140
Arbella	$846	$143
State Farm	$918	$155
Norfolk & Dedham	$1008	$172
Farmers	$1062	$177
Norfolk & Dedham Mutl Fire Ins	$1068	$182
Travelers	$1194	$199
Plymouth Rock	$1386	$233
Progressive	$2016	$339
USAA	$2694	$453
Allstate	$4326	$728
Amica Mutual	$5016	$852

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Sagamore Instantly!

Average Car Insurance in Sagamore 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 Sagamore, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Sagamore, 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, Sagamore's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sagamore

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	$363
30s	State Farm	$293
40s	State Farm	$293
50s	State Farm	$293
60s	State Farm	$259
70s	State Farm	$223

Cheapest Car Insurance Rates for Teen Drivers in Sagamore,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Sagamore at $26 per month. At $4577 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$156	$26
Vermont Mutual	$168	$28
Hanover	$192	$32
American Family	$210	$35
Safety	$270	$45
Farmers	$312	$54
State Farm	$450	$76
Plymouth Rock	$720	$121
USAA	$1104	$186
Amica Mutual	$2448	$416
Progressive	$3084	$514
Allstate	$4577	$779

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 Sagamore.

As young drivers face the highest rates in Sagamore, State Farm offers the cheapest auto insurance rates at $363 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 Sagamore.

Car Insurance Rates with An Accident in Sagamore

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sagamore

The cheapest car insurance companies after an at-fault accident in Sagamore include American Family and Safety Group, offering $246 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $2063.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$246	$41
Safety Group	$276	$46
Vermont Mutual	$282	$47
State Farm	$300	$51
Norfolk & Dedham	$474	$79
The Hanover	$510	$87
Plymouth Rock	$551	$93
Arbella	$690	$116
Safety	$726	$122
USAA	$840	$141
Travelers	$1116	$188
Hanover	$1134	$191
Progressive	$1278	$215
Amica Mutual	$1338	$227
Farmers	$1955	$326
Allstate	$2063	$350

Sagamore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sagamore MA. For example, the car insurance in Sagamore after a DUI increases to $750 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Sagamore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$798	$133
One Med/PIP claim	$798	$135
Not-at-fault accident	$822	$137
One comp claim	$822	$139
Two Med/PIP claims	$822	$137
Two comp claims	$851	$144
At-fault accident - less than $1000	$882	$147
Child safety restraint	$912	$156
Driving without lights	$912	$152
Failure to wear a seat belt	$924	$158
Cell phone violation	$990	$165
Texting while driving	$990	$169
Driving too slowly	$996	$166
Failure to stop at a red light	$996	$170
Failure to yield	$996	$166
Following too closely	$996	$170
Illegal turn	$996	$166
Improper passing	$996	$170
Speeding 11 - 15 MPH over limit	$996	$166
Speeding 16 - 20 MPH over limit	$996	$170
Speeding 6 - 10 MPH over limit	$996	$166
Speeding in school zone	$996	$170
Wrong way/wrong lane	$996	$166
In 65 MPH zone	$1002	$171
Speeding 21 - 25 MPH over limit	$1002	$167
Operating a vehicle without permission	$1008	$172
Passing school bus	$1050	$175
At-fault accident - $1000-$2000	$1236	$210
Failure to show documents	$1259	$210
At-fault accident - greater than $2000	$1266	$215
Driving with expired registration	$1272	$212
Open container	$1344	$228
Reckless driving	$1451	$242
Refusal to submit to a chemical test	$1482	$251
Driving with a suspended license	$1542	$257
Racing	$1542	$263
DUI	$1548	$258
Leaving scene of an accident/hit and run	$1566	$267

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Sagamore 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 Sagamore.

The cheapest car insurance premiums in Sagamore are offered by American Family at $300 for a six-month policy. However, it can be as expensive as $2561 with companies like Allstate.

Sagamore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$300	$51
Safety Group	$330	$57
Vermont Mutual	$342	$57
State Farm	$366	$62
Plymouth Rock	$666	$112
Progressive	$732	$123
Hanover	$930	$157
Arbella	$1008	$170
USAA	$1428	$240
Safety	$1494	$254
Amica Mutual	$1746	$291
Travelers	$1830	$311
Farmers	$2267	$378
Allstate	$2561	$435

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 Sagamore are offered by State Farm at $132. However, it can be as expensive as $1578 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Sagamore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$132	$22
Safety Group	$174	$29
Vermont Mutual	$198	$33
American Family	$246	$41
Plymouth Rock	$594	$100
Safety	$840	$142
Arbella	$846	$141
USAA	$870	$147
Hanover	$1038	$175
Progressive	$1110	$189
Farmers	$1338	$223
Travelers	$1578	$269

Car Insurance Price Trends in Sagamore, Massachusetts

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

The average cost of full coverage in the Sagamore dipped by $220 in December compared to $224 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 Sagamore rose to $43 in December, compared to $42 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Sagamore?

The car insurance in Sagamore is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Sagamore?

The cheapest car insurance in Sagamore is $75 per month for full coverage.

How much is car insurance in Sagamore for teenagers?

Car insurance for teenagers costs $156 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 Sagamore?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $261 per month to insure your car in Sagamore.

Is car insurance expensive in Sagamore?

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

Cheapest Car Insurance Quotes in Sagamore

Why you can trust Way?

How Much Is Car Insurance in Sagamore

Avg. Car Insurance in Sagamore

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Sagamore

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Sagamore Car Insurance Rates by Company

Cheap Car Insurance Companies in Sagamore, MA

Way's key takeaways about car insurance in Sagamore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sagamore

Cheapest Liability Coverage in Sagamore, MA

Cheapest Full Coverage Car Insurance in Sagamore

Cheapest Full Coverage Car Insurance Quotes in Sagamore, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sagamore by Rating Factor

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

Car Insurance Premiums by Age in Sagamore

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sagamore,MA

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

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 Sagamore

Cheapest Car Insurance Companies after an At-Fault Accident in Sagamore

Sagamore Car Insurance Rates by Violation

Sagamore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sagamore after a DUI

Sagamore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sagamore after Speeding ticket

Car Insurance Price Trends in Sagamore, Massachusetts

Average Car Insurance Cost in Sagamore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sagamore, MA

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

Featured Blogs

Data Sources