Cheapest Car Insurance Quotes in Vineyard Haven

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Vineyard Haven Car Insurance

^$ 15

/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 Vineyard Haven

The car insurance rate in Vineyard Haven is $1363 for a six-month policy, which is $169 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Vineyard Haven 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 Vineyard Haven

$1363

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Vineyard Haven

1st place: Safety Group

At $397 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 $465 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $592 for six months, making it the third cheapest auto insurance company in Vineyard Haven.

Vineyard Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vineyard Haven, MA is Safety Group, offering policies at just $397 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $465.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4420 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vineyard Haven drivers find the best deals.

Cheap Car Insurance Companies in Vineyard Haven, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$397	$66
Vermont Mutual	$465	$79
Safety	$592	$99
American Family	$666	$112
Hanover	$735	$124
Arbella	$746	$126
State Farm	$809	$136
Norfolk & Dedham	$888	$151
Farmers	$935	$156
Norfolk & Dedham Mutl Fire Ins	$941	$160
Travelers	$1052	$175
Plymouth Rock	$1221	$206
Progressive	$1776	$299
USAA	$2374	$400
Allstate	$3812	$642
Amica Mutual	$4420	$751

Key Takeaways

Way's key takeaways about car insurance in Vineyard Haven

The auto insurance costs in Vineyard Haven fall around $397 for six months.
The cheapest auto insurance company in Vineyard Haven is State Farm.
Teen drivers pay the highest rate in Vineyard Haven at $686 per month.

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

Cheapest Minimum Liability Car Insurance in Vineyard Haven

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 Vineyard Haven are given below.

State Farm provides the cheapest minimum car insurance coverage in Vineyard Haven. Their Average 6 Month Premium is $90. Allstate is the most expensive at $407 for the same period.

Cheapest Liability Coverage in Vineyard Haven, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$90	$15
Safety Group	$127	$21
Vermont Mutual	$133	$22
American Family	$158	$27
Hanover	$180	$30
Plymouth Rock	$196	$33
Amica Mutual	$212	$36
Chubb	$212	$36
USAA	$227	$38
Norfolk & Dedham Mutl Fire Ins	$232	$39
Farmers	$243	$41
Safety	$254	$43
Norfolk & Dedham	$259	$44
The Hanover	$259	$44
Amica	$264	$45
Arbella	$275	$47
Travelers	$291	$49
Progressive	$392	$66
Allstate	$407	$68

Cheapest Full Coverage Car Insurance in Vineyard Haven

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 Vineyard Haven is Safety Group at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vineyard Haven, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$397	$66
Vermont Mutual	$465	$79
Safety	$592	$99
American Family	$666	$112
Hanover	$735	$124
Arbella	$746	$126
State Farm	$809	$136
Norfolk & Dedham	$888	$151
Farmers	$935	$156
Norfolk & Dedham Mutl Fire Ins	$941	$160
Travelers	$1052	$175
Plymouth Rock	$1221	$206
Progressive	$1776	$299
USAA	$2374	$400
Allstate	$3812	$642
Amica Mutual	$4420	$751

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Average Car Insurance in Vineyard Haven 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 Vineyard Haven, MA increasing?

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

Car Insurance Premiums by Age in Vineyard Haven

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	$320
30s	State Farm	$258
40s	State Farm	$258
50s	State Farm	$258
60s	State Farm	$228
70s	State Farm	$197

Cheapest Car Insurance Rates for Teen Drivers in Vineyard Haven,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Vineyard Haven at $23 per month. At $4033 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$137	$23
Vermont Mutual	$148	$25
Hanover	$169	$28
American Family	$185	$31
Safety	$238	$40
Farmers	$275	$47
State Farm	$397	$67
Plymouth Rock	$635	$107
USAA	$973	$164
Amica Mutual	$2157	$367
Progressive	$2717	$453
Allstate	$4033	$686

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 Vineyard Haven.

As young drivers face the highest rates in Vineyard Haven, State Farm offers the cheapest auto insurance rates at $320 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 Vineyard Haven.

Car Insurance Rates with An Accident in Vineyard Haven

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

Cheapest Car Insurance Companies after an At-Fault Accident in Vineyard Haven

The cheapest car insurance companies after an at-fault accident in Vineyard Haven include American Family and Safety Group, offering $217 and $243, respectively. Allstate is an expensive provider with an average six-month premium of $1818.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$217	$36
Safety Group	$243	$41
Vermont Mutual	$248	$42
State Farm	$264	$45
Norfolk & Dedham	$417	$69
The Hanover	$449	$77
Plymouth Rock	$486	$82
Arbella	$608	$102
Safety	$640	$108
USAA	$740	$125
Travelers	$983	$166
Hanover	$999	$168
Progressive	$1126	$190
Amica Mutual	$1179	$200
Farmers	$1723	$287
Allstate	$1818	$309

Vineyard Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vineyard Haven MA. For example, the car insurance in Vineyard Haven after a DUI increases to $661 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Vineyard Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$703	$117
One Med/PIP claim	$703	$119
Not-at-fault accident	$724	$121
One comp claim	$724	$123
Two Med/PIP claims	$724	$121
Two comp claims	$750	$127
At-fault accident - less than $1000	$777	$130
Child safety restraint	$804	$137
Driving without lights	$804	$134
Failure to wear a seat belt	$814	$139
Cell phone violation	$872	$145
Texting while driving	$872	$149
Driving too slowly	$878	$146
Failure to stop at a red light	$878	$150
Failure to yield	$878	$146
Following too closely	$878	$150
Illegal turn	$878	$146
Improper passing	$878	$150
Speeding 11 - 15 MPH over limit	$878	$146
Speeding 16 - 20 MPH over limit	$878	$150
Speeding 6 - 10 MPH over limit	$878	$146
Speeding in school zone	$878	$150
Wrong way/wrong lane	$878	$146
In 65 MPH zone	$883	$150
Speeding 21 - 25 MPH over limit	$883	$147
Operating a vehicle without permission	$888	$151
Passing school bus	$926	$154
At-fault accident - $1000-$2000	$1089	$185
Failure to show documents	$1110	$185
At-fault accident - greater than $2000	$1115	$190
Driving with expired registration	$1121	$187
Open container	$1185	$201
Reckless driving	$1279	$214
Refusal to submit to a chemical test	$1306	$222
Driving with a suspended license	$1359	$226
Racing	$1359	$231
DUI	$1364	$227
Leaving scene of an accident/hit and run	$1380	$235

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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 Vineyard Haven 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 Vineyard Haven.

The cheapest car insurance premiums in Vineyard Haven are offered by American Family at $264 for a six-month policy. However, it can be as expensive as $2257 with companies like Allstate.

Vineyard Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$45
Safety Group	$291	$50
Vermont Mutual	$302	$50
State Farm	$322	$54
Plymouth Rock	$587	$99
Progressive	$645	$109
Hanover	$820	$138
Arbella	$888	$150
USAA	$1258	$212
Safety	$1316	$223
Amica Mutual	$1539	$256
Travelers	$1613	$274
Farmers	$1998	$333
Allstate	$2257	$384

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 Vineyard Haven are offered by State Farm at $117. However, it can be as expensive as $1390 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Vineyard Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$117	$20
Safety Group	$153	$26
Vermont Mutual	$174	$29
American Family	$217	$36
Plymouth Rock	$523	$88
Safety	$740	$125
Arbella	$746	$125
USAA	$766	$130
Hanover	$915	$154
Progressive	$978	$166
Farmers	$1179	$197
Travelers	$1390	$237

Car Insurance Price Trends in Vineyard Haven, Massachusetts

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

The average cost of full coverage in the Vineyard Haven dipped by $194 in December compared to $198 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 Vineyard Haven rose to $38 in December, compared to $37 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Vineyard Haven?

The car insurance in Vineyard Haven is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Vineyard Haven?

The cheapest car insurance in Vineyard Haven is $66 per month for full coverage.

How much is car insurance in Vineyard Haven for teenagers?

Car insurance for teenagers costs $137 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 Vineyard Haven?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $230 per month to insure your car in Vineyard Haven.

Is car insurance expensive in Vineyard Haven?

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

Cheapest Car Insurance Quotes in Vineyard Haven

Why you can trust Way?

How Much Is Car Insurance in Vineyard Haven

Avg. Car Insurance in Vineyard Haven

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Vineyard Haven

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Vineyard Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in Vineyard Haven, MA

Way's key takeaways about car insurance in Vineyard Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vineyard Haven

Cheapest Liability Coverage in Vineyard Haven, MA

Cheapest Full Coverage Car Insurance in Vineyard Haven

Cheapest Full Coverage Car Insurance Quotes in Vineyard Haven, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vineyard Haven by Rating Factor

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

Car Insurance Premiums by Age in Vineyard Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vineyard Haven,MA

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

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 Vineyard Haven

Cheapest Car Insurance Companies after an At-Fault Accident in Vineyard Haven

Vineyard Haven Car Insurance Rates by Violation

Vineyard Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vineyard Haven after a DUI

Vineyard Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vineyard Haven after Speeding ticket

Car Insurance Price Trends in Vineyard Haven, Massachusetts

Average Car Insurance Cost in Vineyard Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vineyard Haven, MA

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

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