Cheapest Car Insurance Quotes in Somerville

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Somerville Car Insurance

^$ 20

/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 Somerville

The car insurance rate in Somerville is $1838 for a six-month policy, which is $306 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Somerville 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 Somerville

$1838

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Somerville

1st place: Safety Group

At $535 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 $628 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $798 for six months, making it the third cheapest auto insurance company in Somerville.

Somerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Somerville, MA is Safety Group, offering policies at just $535 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $628.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5959 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Somerville drivers find the best deals.

Cheap Car Insurance Companies in Somerville, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$535	$89
Vermont Mutual	$628	$107
Safety	$798	$133
American Family	$898	$151
Hanover	$991	$167
Arbella	$1006	$170
State Farm	$1091	$184
Norfolk & Dedham	$1198	$204
Farmers	$1261	$210
Norfolk & Dedham Mutl Fire Ins	$1268	$216
Travelers	$1418	$236
Plymouth Rock	$1646	$277
Progressive	$2395	$403
USAA	$3200	$539
Allstate	$5140	$865
Amica Mutual	$5959	$1013

Key Takeaways

Way's key takeaways about car insurance in Somerville

The auto insurance costs in Somerville fall around $535 for six months.
The cheapest auto insurance company in Somerville is State Farm.
Teen drivers pay the highest rate in Somerville at $925 per month.

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

Cheapest Minimum Liability Car Insurance in Somerville

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 Somerville are given below.

State Farm provides the cheapest minimum car insurance coverage in Somerville. Their Average 6 Month Premium is $121. Allstate is the most expensive at $548 for the same period.

Cheapest Liability Coverage in Somerville, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$121	$20
Safety Group	$172	$29
Vermont Mutual	$179	$30
American Family	$214	$36
Hanover	$242	$41
Plymouth Rock	$264	$44
Amica Mutual	$286	$48
Chubb	$286	$48
USAA	$306	$52
Norfolk & Dedham Mutl Fire Ins	$313	$53
Farmers	$328	$55
Safety	$342	$58
Norfolk & Dedham	$349	$59
The Hanover	$349	$59
Amica	$356	$60
Arbella	$371	$64
Travelers	$392	$66
Progressive	$528	$89
Allstate	$548	$91

Cheapest Full Coverage Car Insurance in Somerville

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 Somerville is Safety Group at $89 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Somerville, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$535	$89
Vermont Mutual	$628	$107
Safety	$798	$133
American Family	$898	$151
Hanover	$991	$167
Arbella	$1006	$170
State Farm	$1091	$184
Norfolk & Dedham	$1198	$204
Farmers	$1261	$210
Norfolk & Dedham Mutl Fire Ins	$1268	$216
Travelers	$1418	$236
Plymouth Rock	$1646	$277
Progressive	$2395	$403
USAA	$3200	$539
Allstate	$5140	$865
Amica Mutual	$5959	$1013

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Average Car Insurance in Somerville 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 Somerville, MA increasing?

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

Car Insurance Premiums by Age in Somerville

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	$431
30s	State Farm	$348
40s	State Farm	$348
50s	State Farm	$348
60s	State Farm	$307
70s	State Farm	$265

Cheapest Car Insurance Rates for Teen Drivers in Somerville,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Somerville at $31 per month. At $5438 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$185	$31
Vermont Mutual	$199	$34
Hanover	$228	$38
American Family	$250	$42
Safety	$320	$54
Farmers	$371	$64
State Farm	$535	$90
Plymouth Rock	$856	$144
USAA	$1312	$221
Amica Mutual	$2909	$494
Progressive	$3664	$611
Allstate	$5438	$925

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 Somerville.

As young drivers face the highest rates in Somerville, State Farm offers the cheapest auto insurance rates at $431 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 Somerville.

Car Insurance Rates with An Accident in Somerville

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

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

The cheapest car insurance companies after an at-fault accident in Somerville include American Family and Safety Group, offering $293 and $328, respectively. Allstate is an expensive provider with an average six-month premium of $2452.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$293	$49
Safety Group	$328	$55
Vermont Mutual	$335	$56
State Farm	$356	$60
Norfolk & Dedham	$563	$94
The Hanover	$606	$103
Plymouth Rock	$655	$110
Arbella	$820	$138
Safety	$863	$145
USAA	$998	$168
Travelers	$1326	$223
Hanover	$1348	$227
Progressive	$1518	$256
Amica Mutual	$1590	$270
Farmers	$2323	$388
Allstate	$2452	$416

Somerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Somerville MA. For example, the car insurance in Somerville after a DUI increases to $892 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Somerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$948	$158
One Med/PIP claim	$948	$161
Not-at-fault accident	$977	$163
One comp claim	$977	$166
Two Med/PIP claims	$977	$163
Two comp claims	$1012	$172
At-fault accident - less than $1000	$1048	$175
Child safety restraint	$1084	$185
Driving without lights	$1084	$180
Failure to wear a seat belt	$1098	$187
Cell phone violation	$1176	$196
Texting while driving	$1176	$200
Driving too slowly	$1183	$197
Failure to stop at a red light	$1183	$202
Failure to yield	$1183	$197
Following too closely	$1183	$202
Illegal turn	$1183	$197
Improper passing	$1183	$202
Speeding 11 - 15 MPH over limit	$1183	$197
Speeding 16 - 20 MPH over limit	$1183	$202
Speeding 6 - 10 MPH over limit	$1183	$197
Speeding in school zone	$1183	$202
Wrong way/wrong lane	$1183	$197
In 65 MPH zone	$1190	$203
Speeding 21 - 25 MPH over limit	$1190	$198
Operating a vehicle without permission	$1198	$204
Passing school bus	$1248	$208
At-fault accident - $1000-$2000	$1469	$250
Failure to show documents	$1496	$250
At-fault accident - greater than $2000	$1504	$256
Driving with expired registration	$1511	$252
Open container	$1597	$271
Reckless driving	$1724	$288
Refusal to submit to a chemical test	$1760	$299
Driving with a suspended license	$1832	$305
Racing	$1832	$312
DUI	$1840	$306
Leaving scene of an accident/hit and run	$1860	$317

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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 Somerville 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 Somerville.

The cheapest car insurance premiums in Somerville are offered by American Family at $356 for a six-month policy. However, it can be as expensive as $3043 with companies like Allstate.

Somerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$60
Safety Group	$392	$67
Vermont Mutual	$407	$67
State Farm	$434	$73
Plymouth Rock	$791	$133
Progressive	$870	$146
Hanover	$1105	$186
Arbella	$1198	$202
USAA	$1697	$286
Safety	$1775	$301
Amica Mutual	$2075	$346
Travelers	$2174	$370
Farmers	$2694	$449
Allstate	$3043	$517

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 Somerville are offered by State Farm at $157. However, it can be as expensive as $1874 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Somerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$157	$26
Safety Group	$206	$35
Vermont Mutual	$235	$40
American Family	$293	$49
Plymouth Rock	$706	$119
Safety	$998	$169
Arbella	$1006	$168
USAA	$1033	$175
Hanover	$1234	$208
Progressive	$1319	$224
Farmers	$1590	$265
Travelers	$1874	$319

Car Insurance Price Trends in Somerville, Massachusetts

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

The average cost of full coverage in the Somerville dipped by $262 in December compared to $266 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 Somerville rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Somerville?

The car insurance in Somerville is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Somerville?

The cheapest car insurance in Somerville is $89 per month for full coverage.

How much is car insurance in Somerville for teenagers?

Car insurance for teenagers costs $185 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 Somerville?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $310 per month to insure your car in Somerville.

Is car insurance expensive in Somerville?

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

Cheapest Car Insurance Quotes in Somerville

Why you can trust Way?

How Much Is Car Insurance in Somerville

Avg. Car Insurance in Somerville

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Somerville

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Somerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Somerville, MA

Way's key takeaways about car insurance in Somerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Somerville

Cheapest Liability Coverage in Somerville, MA

Cheapest Full Coverage Car Insurance in Somerville

Cheapest Full Coverage Car Insurance Quotes in Somerville, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Somerville by Rating Factor

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

Car Insurance Premiums by Age in Somerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Somerville,MA

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

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 Somerville

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

Somerville Car Insurance Rates by Violation

Somerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Somerville after a DUI

Somerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Somerville after Speeding ticket

Car Insurance Price Trends in Somerville, Massachusetts

Average Car Insurance Cost in Somerville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Somerville, MA

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

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