Cheapest Car Insurance Quotes in Wareham Center

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Wareham Center Car Insurance

^$ 19

/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 Wareham Center

The car insurance rate in Wareham Center is $1642 for a six-month policy, which is $136 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Wareham Center 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 Wareham Center

$1642

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Wareham Center

1st place: Safety Group

At $486 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 $570 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $815 for six months, making it the third cheapest auto insurance company in Wareham Center.

Wareham Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wareham Center, MA is Safety Group, offering policies at just $486 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $570.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wareham Center drivers find the best deals.

Cheap Car Insurance Companies in Wareham Center, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$486	$81
Vermont Mutual	$570	$97
American Family	$815	$137
Hanover	$971	$164
State Farm	$991	$167
Safety	$997	$170
Arbella	$1055	$175
Norfolk & Dedham	$1088	$185
Norfolk and Dedham Mutual Fire Insurance Company	$1152	$192
Farmers	$1288	$219
Travelers	$1502	$251
Plymouth Rock	$1522	$256
Progressive	$2214	$373
USAA	$2966	$499
Allstate	$3735	$629
Amica Mutual	$5413	$920
Norfolk & Dedham Mutl Fire Ins	$1152	$196

Key Takeaways

Way's key takeaways about car insurance in Wareham Center

The auto insurance costs in Wareham Center fall around $486 for six months.
The cheapest auto insurance company in Wareham Center is State Farm.
Teen drivers pay the highest rate in Wareham Center at $823 per month.

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Cheapest Minimum Liability Car Insurance in Wareham Center

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 Wareham Center are given below.

State Farm provides the cheapest minimum car insurance coverage in Wareham Center. Their Average 6 Month Premium is $110. Norfolk & Dedham Mutl Fire Ins is the most expensive at $284 for the same period.

Cheapest Liability Coverage in Wareham Center, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$110	$19
Safety Group	$156	$26
Vermont Mutual	$162	$27
American Family	$194	$33
Amica Mutual	$259	$44
Chubb	$259	$44
Plymouth Rock	$259	$44
Norfolk and Dedham Mutual Fire Insurance Company	$284	$48
USAA	$304	$51
Hanover	$311	$52
Norfolk & Dedham	$317	$53
The Hanover	$317	$53
Amica	$324	$55
Farmers	$337	$58
Safety	$382	$64
Travelers	$421	$71
Arbella	$434	$72
Progressive	$524	$88
Allstate	$674	$113
Norfolk & Dedham Mutl Fire Ins	$284	$48

Cheapest Full Coverage Car Insurance in Wareham Center

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 Wareham Center is Safety Group at $81 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wareham Center, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$486	$81
Vermont Mutual	$570	$97
American Family	$815	$137
Hanover	$971	$164
State Farm	$991	$167
Safety	$997	$170
Arbella	$1055	$175
Norfolk & Dedham	$1088	$185
Norfolk and Dedham Mutual Fire Insurance Company	$1152	$192
Farmers	$1288	$219
Travelers	$1502	$251
Plymouth Rock	$1522	$256
Progressive	$2214	$373
USAA	$2966	$499
Allstate	$3735	$629
Amica Mutual	$5413	$920
Norfolk & Dedham Mutl Fire Ins	$1152	$196

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Average Car Insurance in Wareham Center 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 Wareham Center, MA increasing?

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

Car Insurance Premiums by Age in Wareham Center

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	$398
30s	State Farm	$322
40s	State Farm	$322
50s	State Farm	$322
60s	State Farm	$283
70s	State Farm	$245

Cheapest Car Insurance Rates for Teen Drivers in Wareham Center,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Wareham Center at $28 per month. At $4940 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$168	$28
Vermont Mutual	$181	$31
Hanover	$207	$35
American Family	$227	$38
Safety	$291	$49
Farmers	$337	$56
State Farm	$486	$82
Plymouth Rock	$777	$131
USAA	$1191	$201
Amica Mutual	$2642	$440
Progressive	$3328	$566
Allstate	$4940	$823

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 Wareham Center.

As young drivers face the highest rates in Wareham Center, State Farm offers the cheapest auto insurance rates at $398 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 Wareham Center.

Car Insurance Rates with An Accident in Wareham Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wareham Center

The cheapest car insurance companies after an at-fault accident in Wareham Center include American Family and Safety Group, offering $266 and $298, respectively. Allstate is an expensive provider with an average six-month premium of $2654.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$266	$45
Safety Group	$298	$50
Vermont Mutual	$304	$51
State Farm	$324	$55
Norfolk & Dedham	$511	$85
The Hanover	$550	$94
Plymouth Rock	$621	$105
Arbella	$828	$140
USAA	$971	$164
Safety	$1029	$173
Hanover	$1353	$228
Travelers	$1392	$234
Amica Mutual	$1444	$241
Progressive	$1502	$253
Farmers	$2376	$396
Allstate	$2654	$447

Wareham Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wareham Center MA. For example, the car insurance in Wareham Center after a DUI increases to $810 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Wareham Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$861	$144
One Med/PIP claim	$861	$146
Not-at-fault accident	$887	$148
One comp claim	$887	$150
Two Med/PIP claims	$887	$148
Two comp claims	$919	$156
At-fault accident - less than $1000	$952	$159
Child safety restraint	$984	$168
Driving without lights	$984	$164
Failure to wear a seat belt	$997	$170
Cell phone violation	$1068	$178
Texting while driving	$1068	$182
Driving too slowly	$1075	$179
Failure to stop at a red light	$1075	$183
Failure to yield	$1075	$179
Following too closely	$1075	$183
Illegal turn	$1075	$179
Improper passing	$1075	$183
Speeding 11 - 15 MPH over limit	$1075	$179
Speeding 16 - 20 MPH over limit	$1075	$183
Speeding 6 - 10 MPH over limit	$1075	$179
Speeding in school zone	$1075	$183
Wrong way/wrong lane	$1075	$179
In 65 MPH zone	$1081	$184
Speeding 21 - 25 MPH over limit	$1081	$180
Operating a vehicle without permission	$1088	$185
Passing school bus	$1134	$189
At-fault accident - $1000-$2000	$1334	$227
Failure to show documents	$1359	$227
At-fault accident - greater than $2000	$1366	$232
Driving with expired registration	$1372	$229
Open container	$1451	$246
Reckless driving	$1566	$262
Refusal to submit to a chemical test	$1599	$271
Driving with a suspended license	$1664	$277
Racing	$1664	$283
DUI	$1671	$278
Leaving scene of an accident/hit and run	$1690	$288

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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 Wareham Center 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 Wareham Center.

The cheapest car insurance premiums in Wareham Center are offered by American Family at $324 for a six-month policy. However, it can be as expensive as $3290 with companies like Allstate.

Wareham Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$55
Safety Group	$356	$61
Vermont Mutual	$370	$61
State Farm	$395	$66
Plymouth Rock	$771	$130
Progressive	$835	$141
Hanover	$1114	$187
Arbella	$1211	$204
USAA	$1651	$278
Amica Mutual	$1885	$320
Travelers	$2324	$387
Safety	$2402	$409
Farmers	$2758	$460
Allstate	$3290	$554

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 Wareham Center are offered by State Farm at $143. However, it can be as expensive as $1988 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Wareham Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$143	$24
Safety Group	$187	$32
Vermont Mutual	$214	$36
American Family	$266	$45
Plymouth Rock	$738	$124
Arbella	$1055	$180
USAA	$1081	$180
Hanover	$1243	$209
Safety	$1301	$217
Progressive	$1405	$239
Farmers	$1625	$270
Allstate	$1872	$318
Travelers	$1988	$331

Car Insurance Price Trends in Wareham Center, Massachusetts

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

The average cost of full coverage in the Wareham Center rose by $251 in February compared to $238 of January. In other words, there has been an increase by $13 when you compare February and January.

The average cost of liability insurance in the Wareham Center rose to $55 in February, compared to $47 in January. This represents an increase of $8 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Wareham Center?

The car insurance in Wareham Center is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Wareham Center?

The cheapest car insurance in Wareham Center is $81 per month for full coverage.

How much is car insurance in Wareham Center for teenagers?

Car insurance for teenagers costs $168 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 Wareham Center?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $277 per month to insure your car in Wareham Center.

Is car insurance expensive in Wareham Center?

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

Cheapest Car Insurance Quotes in Wareham Center

Why you can trust Way?

How Much Is Car Insurance in Wareham Center

Avg. Car Insurance in Wareham Center

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Wareham Center

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Wareham Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Wareham Center, MA

Way's key takeaways about car insurance in Wareham Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wareham Center

Cheapest Liability Coverage in Wareham Center, MA

Cheapest Full Coverage Car Insurance in Wareham Center

Cheapest Full Coverage Car Insurance Quotes in Wareham Center, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wareham Center by Rating Factor

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

Car Insurance Premiums by Age in Wareham Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wareham Center,MA

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

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 Wareham Center

Cheapest Car Insurance Companies after an At-Fault Accident in Wareham Center

Wareham Center Car Insurance Rates by Violation

Wareham Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wareham Center after a DUI

Wareham Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wareham Center after Speeding ticket

Car Insurance Price Trends in Wareham Center, Massachusetts

Average Car Insurance Cost in Wareham Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wareham Center, MA

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

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