Cheapest Car Insurance Quotes in Woods Hole

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Woods Hole Car Insurance

^$ 17

/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 Woods Hole

The car insurance rate in Woods Hole is $1501 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $437, making it a popular choice for budget-conscious drivers. Rates in Woods Hole 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 Woods Hole

$1501

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Woods Hole

1st place: Safety Group

At $437 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 $513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $652 for six months, making it the third cheapest auto insurance company in Woods Hole.

Woods Hole Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woods Hole, MA is Safety Group, offering policies at just $437 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $513.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4867 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woods Hole drivers find the best deals.

Cheap Car Insurance Companies in Woods Hole, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$437	$73
Vermont Mutual	$513	$87
Safety	$652	$109
American Family	$733	$123
Hanover	$809	$136
Arbella	$821	$139
State Farm	$891	$150
Norfolk & Dedham	$978	$167
Farmers	$1030	$172
Norfolk & Dedham Mutl Fire Ins	$1036	$176
Travelers	$1158	$193
Plymouth Rock	$1345	$226
Progressive	$1956	$329
USAA	$2614	$440
Allstate	$4197	$707
Amica Mutual	$4867	$827

Key Takeaways

Way's key takeaways about car insurance in Woods Hole

The auto insurance costs in Woods Hole fall around $437 for six months.
The cheapest auto insurance company in Woods Hole is State Farm.
Teen drivers pay the highest rate in Woods Hole at $756 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Woods Hole

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 Woods Hole are given below.

State Farm provides the cheapest minimum car insurance coverage in Woods Hole. Their Average 6 Month Premium is $99. Allstate is the most expensive at $448 for the same period.

Cheapest Liability Coverage in Woods Hole, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$99	$17
Safety Group	$140	$24
Vermont Mutual	$146	$25
American Family	$174	$29
Hanover	$198	$33
Plymouth Rock	$216	$36
Amica Mutual	$233	$39
Chubb	$233	$39
USAA	$250	$42
Norfolk & Dedham Mutl Fire Ins	$256	$43
Farmers	$268	$45
Safety	$279	$47
Norfolk & Dedham	$285	$48
The Hanover	$285	$48
Amica	$291	$49
Arbella	$303	$52
Travelers	$320	$54
Progressive	$431	$73
Allstate	$448	$74

Cheapest Full Coverage Car Insurance in Woods Hole

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 Woods Hole is Safety Group at $73 per month and $437 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woods Hole, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$437	$73
Vermont Mutual	$513	$87
Safety	$652	$109
American Family	$733	$123
Hanover	$809	$136
Arbella	$821	$139
State Farm	$891	$150
Norfolk & Dedham	$978	$167
Farmers	$1030	$172
Norfolk & Dedham Mutl Fire Ins	$1036	$176
Travelers	$1158	$193
Plymouth Rock	$1345	$226
Progressive	$1956	$329
USAA	$2614	$440
Allstate	$4197	$707
Amica Mutual	$4867	$827

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Average Car Insurance in Woods Hole 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 Woods Hole, MA increasing?

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

Car Insurance Premiums by Age in Woods Hole

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	$352
30s	State Farm	$284
40s	State Farm	$284
50s	State Farm	$284
60s	State Farm	$251
70s	State Farm	$217

Cheapest Car Insurance Rates for Teen Drivers in Woods Hole,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Woods Hole at $25 per month. At $4441 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$151	$25
Vermont Mutual	$163	$27
Hanover	$186	$31
American Family	$204	$34
Safety	$262	$44
Farmers	$303	$52
State Farm	$437	$74
Plymouth Rock	$699	$118
USAA	$1071	$180
Amica Mutual	$2376	$404
Progressive	$2992	$499
Allstate	$4441	$756

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 Woods Hole.

As young drivers face the highest rates in Woods Hole, State Farm offers the cheapest auto insurance rates at $352 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 Woods Hole.

Car Insurance Rates with An Accident in Woods Hole

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

Cheapest Car Insurance Companies after an At-Fault Accident in Woods Hole

The cheapest car insurance companies after an at-fault accident in Woods Hole include American Family and Safety Group, offering $239 and $268, respectively. Allstate is an expensive provider with an average six-month premium of $2002.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$239	$40
Safety Group	$268	$45
Vermont Mutual	$273	$46
State Farm	$291	$49
Norfolk & Dedham	$460	$76
The Hanover	$495	$84
Plymouth Rock	$535	$90
Arbella	$669	$113
Safety	$705	$119
USAA	$815	$137
Travelers	$1083	$182
Hanover	$1101	$185
Progressive	$1240	$209
Amica Mutual	$1299	$221
Farmers	$1897	$317
Allstate	$2002	$340

Woods Hole Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woods Hole MA. For example, the car insurance in Woods Hole after a DUI increases to $728 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Woods Hole auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$774	$129
One Med/PIP claim	$774	$131
Not-at-fault accident	$798	$133
One comp claim	$798	$135
Two Med/PIP claims	$798	$133
Two comp claims	$826	$140
At-fault accident - less than $1000	$856	$143
Child safety restraint	$885	$151
Driving without lights	$885	$147
Failure to wear a seat belt	$897	$153
Cell phone violation	$960	$160
Texting while driving	$960	$164
Driving too slowly	$966	$161
Failure to stop at a red light	$966	$165
Failure to yield	$966	$161
Following too closely	$966	$165
Illegal turn	$966	$161
Improper passing	$966	$165
Speeding 11 - 15 MPH over limit	$966	$161
Speeding 16 - 20 MPH over limit	$966	$165
Speeding 6 - 10 MPH over limit	$966	$161
Speeding in school zone	$966	$165
Wrong way/wrong lane	$966	$161
In 65 MPH zone	$972	$166
Speeding 21 - 25 MPH over limit	$972	$162
Operating a vehicle without permission	$978	$167
Passing school bus	$1019	$170
At-fault accident - $1000-$2000	$1200	$204
Failure to show documents	$1222	$204
At-fault accident - greater than $2000	$1228	$209
Driving with expired registration	$1234	$206
Open container	$1304	$221
Reckless driving	$1408	$235
Refusal to submit to a chemical test	$1438	$244
Driving with a suspended license	$1496	$249
Racing	$1496	$255
DUI	$1502	$250
Leaving scene of an accident/hit and run	$1519	$259

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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 Woods Hole 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 Woods Hole.

The cheapest car insurance premiums in Woods Hole are offered by American Family at $291 for a six-month policy. However, it can be as expensive as $2485 with companies like Allstate.

Woods Hole car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$291	$49
Safety Group	$320	$55
Vermont Mutual	$332	$55
State Farm	$355	$60
Plymouth Rock	$646	$109
Progressive	$711	$120
Hanover	$903	$152
Arbella	$978	$165
USAA	$1386	$233
Safety	$1449	$246
Amica Mutual	$1694	$282
Travelers	$1776	$302
Farmers	$2200	$367
Allstate	$2485	$422

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 Woods Hole are offered by State Farm at $128. However, it can be as expensive as $1531 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Woods Hole after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$128	$22
Safety Group	$169	$28
Vermont Mutual	$192	$32
American Family	$239	$40
Plymouth Rock	$576	$97
Safety	$815	$138
Arbella	$821	$137
USAA	$844	$143
Hanover	$1007	$170
Progressive	$1077	$183
Farmers	$1299	$217
Travelers	$1531	$261

Car Insurance Price Trends in Woods Hole, Massachusetts

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

The average cost of full coverage in the Woods Hole dipped by $214 in December compared to $218 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 Woods Hole rose to $42 in December, compared to $41 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 Woods Hole?

The car insurance in Woods Hole is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Woods Hole?

The cheapest car insurance in Woods Hole is $73 per month for full coverage.

How much is car insurance in Woods Hole for teenagers?

Car insurance for teenagers costs $151 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 Woods Hole?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $253 per month to insure your car in Woods Hole.

Is car insurance expensive in Woods Hole?

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

Cheapest Car Insurance Quotes in Woods Hole

Why you can trust Way?

How Much Is Car Insurance in Woods Hole

Avg. Car Insurance in Woods Hole

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Woods Hole

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Woods Hole Car Insurance Rates by Company

Cheap Car Insurance Companies in Woods Hole, MA

Way's key takeaways about car insurance in Woods Hole

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woods Hole

Cheapest Liability Coverage in Woods Hole, MA

Cheapest Full Coverage Car Insurance in Woods Hole

Cheapest Full Coverage Car Insurance Quotes in Woods Hole, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woods Hole by Rating Factor

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

Car Insurance Premiums by Age in Woods Hole

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woods Hole,MA

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

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 Woods Hole

Cheapest Car Insurance Companies after an At-Fault Accident in Woods Hole

Woods Hole Car Insurance Rates by Violation

Woods Hole auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woods Hole after a DUI

Woods Hole car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woods Hole after Speeding ticket

Car Insurance Price Trends in Woods Hole, Massachusetts

Average Car Insurance Cost in Woods Hole by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woods Hole, MA

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

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