Cheapest Car Insurance Quotes in West Concord

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West Concord 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 West Concord

The car insurance rate in West Concord 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 West Concord 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 West Concord

$1363

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in West Concord

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 West Concord.

West Concord Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Concord, 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 West Concord drivers find the best deals.

Cheap Car Insurance Companies in West Concord, 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 West Concord

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

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

Cheapest Minimum Liability Car Insurance in West Concord

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 West Concord are given below.

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

Cheapest Liability Coverage in West Concord, 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 West Concord

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 West Concord is Safety Group at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Concord, 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 West Concord 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 West Concord, MA increasing?

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

Car Insurance Premiums by Age in West Concord

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 West Concord,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the West Concord 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 West Concord.

As young drivers face the highest rates in West Concord, 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 West Concord.

Car Insurance Rates with An Accident in West Concord

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Concord

The cheapest car insurance companies after an at-fault accident in West Concord 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

West Concord Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Concord MA. For example, the car insurance in West Concord 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.

West Concord 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 West Concord 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 West Concord.

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

West Concord 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 West Concord 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 West Concord 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 West Concord, Massachusetts

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

The average cost of full coverage in the West Concord 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 West Concord 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 West Concord?

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

What is the cheapest car insurance in West Concord?

The cheapest car insurance in West Concord is $66 per month for full coverage.

How much is car insurance in West Concord 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 West Concord?

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 West Concord.

Is car insurance expensive in West Concord?

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

Cheapest Car Insurance Quotes in West Concord

Why you can trust Way?

How Much Is Car Insurance in West Concord

Avg. Car Insurance in West Concord

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in West Concord

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

West Concord Car Insurance Rates by Company

Cheap Car Insurance Companies in West Concord, MA

Way's key takeaways about car insurance in West Concord

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Concord

Cheapest Liability Coverage in West Concord, MA

Cheapest Full Coverage Car Insurance in West Concord

Cheapest Full Coverage Car Insurance Quotes in West Concord, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Concord by Rating Factor

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

Car Insurance Premiums by Age in West Concord

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Concord,MA

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

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 West Concord

Cheapest Car Insurance Companies after an At-Fault Accident in West Concord

West Concord Car Insurance Rates by Violation

West Concord auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Concord after a DUI

West Concord car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Concord after Speeding ticket

Car Insurance Price Trends in West Concord, Massachusetts

Average Car Insurance Cost in West Concord by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Concord, MA

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

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