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Finding the cheapest car insurance quotes in Saugus 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 Saugus
The car insurance rate in Saugus is $1946 for a six-month policy, which is $414 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, making it a popular choice for budget-conscious drivers. Rates in Saugus 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 $566 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 $664 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $845
for six months, making it
the third cheapest auto insurance company in Saugus.
Saugus Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Saugus, MA is Safety Group, offering policies at just $566 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $664.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6307 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saugus drivers find the best deals.
The auto insurance costs in Saugus fall around $566 for six
months.
The cheapest auto insurance company in Saugus is State Farm.
Teen drivers pay the highest rate in Saugus at $979 per
month.
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Cheapest Minimum Liability Car Insurance in Saugus
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 Saugus are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Saugus. Their Average 6 Month Premium is $128.
Allstate is the most
expensive at $580 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 Saugus is Safety Group
at $94 per month and $566
for six months.
Cheapest Full Coverage Car Insurance Quotes in Saugus,
MA
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 Saugus, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Saugus, 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, Saugus's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Saugus
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
$456
30s
State Farm
$368
40s
State Farm
$368
50s
State Farm
$368
60s
State Farm
$325
70s
State Farm
$281
Cheapest Car Insurance Rates for Teen Drivers in
Saugus,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Saugus at $33
per
month. At $5756 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 Saugus.
As young drivers face the highest rates in Saugus, State Farm
offers the cheapest auto insurance rates at $456 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 Saugus,
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
Saugus 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 Saugus
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 Saugus, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Saugus
The cheapest car insurance companies after an at-fault accident in
Saugus include American Family
and Safety Group, offering $310
and $347,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2595.
Here is a list of driving violations that can increase your car
insurance rates in Saugus MA. For example, the car
insurance in Saugus
after a DUI increases to $944 for a six
month policy. While the rate increases by $249 for a six-month policy in the case of
a speeding ticket.
Saugus auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1003
$168
One Med/PIP claim
$1003
$170
Not-at-fault accident
$1034
$173
One comp claim
$1034
$175
Two Med/PIP claims
$1034
$173
Two comp claims
$1071
$182
At-fault accident - less than $1000
$1109
$185
Child safety restraint
$1147
$196
Driving without lights
$1147
$191
Failure to wear a seat belt
$1162
$198
Cell phone violation
$1245
$207
Texting while driving
$1245
$212
Driving too slowly
$1252
$208
Failure to stop at a red light
$1252
$213
Failure to yield
$1252
$208
Following too closely
$1252
$213
Illegal turn
$1252
$208
Improper passing
$1252
$213
Speeding 11 - 15 MPH over limit
$1252
$208
Speeding 16 - 20 MPH over limit
$1252
$213
Speeding 6 - 10 MPH over limit
$1252
$208
Speeding in school zone
$1252
$213
Wrong way/wrong lane
$1252
$208
In 65 MPH zone
$1260
$215
Speeding 21 - 25 MPH over limit
$1260
$210
Operating a vehicle without permission
$1267
$216
Passing school bus
$1321
$220
At-fault accident - $1000-$2000
$1554
$264
Failure to show documents
$1584
$264
At-fault accident - greater than $2000
$1591
$271
Driving with expired registration
$1599
$267
Open container
$1690
$287
Reckless driving
$1825
$305
Refusal to submit to a chemical test
$1863
$316
Driving with a suspended license
$1939
$323
Racing
$1939
$330
DUI
$1947
$324
Leaving scene of an accident/hit and run
$1969
$335
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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 Saugus 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 Saugus.
The cheapest car insurance premiums in
Saugus are
offered by American Family at $377 for a six-month policy.
However, it can be as
expensive as $3221 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 Saugus are offered by State Farm
at $166. However,
it can be as expensive as $1984
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Saugus after Speeding ticket
Car Insurance Price Trends in Saugus,
Massachusetts
Car insurance rates in Saugus have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Saugus dipped by
$277 in December
compared to $282 of November. In other words, there has been an decrease by $5 when you
compare December and November.
The average cost of liability insurance in the Saugus rose to $55 in December,
compared to $53 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Saugus. At $3891 for a
six-month policy, insuring
your car at 1906 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 Saugus?
The car insurance in Saugus is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Saugus?
The cheapest car insurance in Saugus
is $94 per month
for full coverage.
How much is car insurance in Saugus for teenagers?
Car insurance for teenagers costs $196 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
Saugus?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $328 per month to insure your
car in Saugus.
Is car insurance expensive in Saugus?
Car insurance can be expensive in Saugus if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Saugus can be
affordable.
What is the best car insurance in Saugus,
MA?
The best car insurance company in Saugus
MA is
Safety Group, offering $566 for a
six-month policy.
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Saugus Car Insurance
