Cheapest Auto Insurance in Fall River, Massachusetts (2024)

Drivers in Fall River pay an average of $97 per month for car insurance. They pay $93 for a liability-only policy and $102 for a full-coverage policy. Rates fall slightly below the state average of $176 and well below the national average of $158.

The 10th-largest city in Massachusetts, Fall River has roads that are surprisingly among the least busy in the area.^[1] More than 90% of the city’s residents travel to work by car, and the average commute time is 25 minutes, so car insurance is still essential.^[2] Always compare car insurance quotes from multiple companies before buying a policy.

Cheapest car insurance companies in Fall River

To find the cheapest car insurance coverage in Fall River, you need to shop around and compare quotes from different insurance companies. Each insurer offers different rates because they weigh various factors — such as your driving record, age, and gender — a little differently. Your coverage needs can also influence what you pay, so quote comparison is crucial.

Best insurer for bundling: Liberty Mutual

Best insurer for discounts: Travelers

Best insurer for cheap rates: Midvale Home & Auto

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How to get the cheapest car insurance in Fall River

Car insurance in Fall River costs $97 per month on average, but your rate depends on the coverage you choose and personal details, like your age, gender, and driving record. Fortunately, you can drive down the cost of your car insurance premium in many ways.

To find the cheapest car insurance in Fall River:

• Shop around. Compare quotes from multiple insurance companies to find the best rate for your situation.

• Apply for discounts. Most insurance companies offer various discount opportunities. Talk to your insurance agent about which ones you might qualify for.

• Increase your deductible. Setting a higher deductible will lead to lower premiums. However, you’ll have more out-of-pocket expenses if you file a claim.

Cheapest liability-only car insurance in Fall River

Drivers in Fall River must have liability car insurance, which pays for the other driver’s property damage and medical bills as well as your medical bills when you’re at fault in a car accident. It doesn’t cover damage to your vehicle, however.

Check the table below for insights into what car insurance companies charge for liability coverage in Fall River.

Cheapest full-coverage car insurance in Fall River

A standard full-coverage car insurance policy includes liability coverage along with collision and comprehensive insurance. Collision insurance pays for repairs to your car when you’re in an accident, regardless of fault, while comprehensive coverage pays for repairs after non-collision events, such as fires, floods, and vandalism.

Full coverage is optional for most drivers, but you might be required to buy it if you’re leasing or financing your car. Other drivers may choose to buy full coverage for added financial protection. The table below shows what several insurance companies in Fall River charge for full-coverage car insurance, on average.

Car insurance requirements in Massachusetts

All motor vehicles must have at least the minimum car insurance required by state law. When you register a car in Massachusetts, the Registry of Motor Vehicles will add your insurance information to your physical registration card. You can use this as proof of insurance while driving.^[3]

Another way to provide proof is by carrying your physical ID card or storing the proof of insurance on your insurer’s smartphone app. You’ll need to show that proof of insurance when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

Your policy will need to have at least the minimum requirements:

You can also choose to add the following coverages for more protection, though they’re optional in Massachusetts:

• 

  Collision coverage

  Collision coverage pays to repair or replace your car after a collision, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive insurance covers non-collision incidents, such as vandalism, theft, and natural disasters.

• 

  Roadside assistance coverage

  Coverage can vary with each company, but roadside assistance usually reimburses policyholders for the costs of towing, jump-starts, flat-tire changes, and more.

• 

  Rental reimbursement coverage

  If your car is getting fixed after a covered incident, rental reimbursement pays for the costs of a rental car up to a daily limit.

Cheapest car insurance for drivers with an incident

Your driving record has a major effect on your car insurance premium. Drivers generally pay more when they have driving incidents on their records, like at-fault accidents, speeding tickets, driving under the influence (DUI) infractions, and other moving violations. That’s because insurance companies view these drivers as potential risks compared to drivers with a clean record.

Average cost of car insurance by age

Young drivers tend to pay more for car insurance because they lack driving experience and pose a higher risk to insurers. But people usually see their car insurance rates gradually decrease around age 30 or 35, and drivers in their 50s and 60s typically pay the lowest car insurance premiums.

It’s always a good idea to shop around and compare your options. Some insurers have lower rates for younger drivers or offer discounts to make insurance more affordable.

In Fall River, here’s what you can expect to pay based on your age:

Fall River car insurance FAQs