Cheapest Auto Insurance in Fall River, Massachusetts (2024)
Safeco offers the cheapest car insurance in Fall River, with minimum-coverage policies as low as $70 per month.
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Written byKim Porter
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
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 $174 and well below the national average of $154.
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.
Quick Facts
Massachusetts is a no-fault state for car insurance.
Drivers in Massachusetts must carry four types of auto insurance.
Insurers in Massachusetts can’t use your credit history when determining your rates.
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Liberty Mutual | 7.7 | $252 | $134 | Bundling |
| Travelers | 9.0 | $76 | N/A | Discounts |
| Midvale Home & Auto | 3.2 | $129 | $69 | Cheap rates |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for bundling: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $200/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers various insurance products for cars, homes, businesses, pets, and more. And if you bundle your auto insurance with home or renters insurance, you can save up to 12% on your coverage. Liberty Mutual offers standard auto coverage options, as well as gap, rental car, and original parts replacement coverage.
Pros
Offers accident forgiveness
Variety of ways to save
Cons
Below-average J.D. Power customer satisfaction rating in New England
Numerous negative online customer reviews
Best insurer for discounts: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers offers affordable full-coverage policies in Massachusetts, with average costs well below most other companies in the state. The company has 12 available discounts and various coverage options. Unfortunately, the company received a below-average customer satisfaction ranking from J.D. Power in New England.
Pros
Offers a variety of discounts
AM Best financial strength rating of A++ (Superior)
Cons
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
Poor reviews on Trustpilot
Best insurer for cheap rates: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto offers drivers in Massachusetts an affordable liability-only coverage option. Though many drivers prefer a full-coverage policy, Midvale Home & Auto makes it easy to save with a minimum-coverage policy. However, it’s less reliable than some of the major insurers on our list.
Pros
Provides auto, renters, and homeowners insurance
Customers can save by bundling auto and home insurance
Cons
Lower IQ Score than many insurers
Doesn’t have a mobile app
Find Cheap Car Insurance in Fall River
Liability coverage quotes start at $88 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $51 |
| Safeco | $63 |
| Liberty Mutual | $71 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Travelers | $60 |
| Midvale Home & Auto | $86 |
| Safeco | $120 |
| Liberty Mutual | $127 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fall River, Massachusetts
Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $123/mo for full coverage in Fall River and other Massachusetts cities.
*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $5,000 per accident |
| Uninsured motorist bodily injury | $20,000 per person / $40,000 per accident |
| Personal injury protection (PIP) | $8,000 per accident |
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Safeco | $70 | $79 | $94 | $85 |
| Liberty Mutual | $106 | $129 | $153 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $239 |
| 20s | $134 |
| 30s | $84 |
| 40s | $90 |
| 50s | $69 |
| 60s | $59 |
| 70s | $61 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fall River car insurance FAQs
Finding the right car insurance can be difficult. Below are answers to some of the most commonly asked questions about car insurance in Fall River.
How much is car insurance in Fall River?
Car insurance in Fall River costs an average of $97 per month. Drivers pay $93 for liability coverage and $102 for full coverage, on average. Premiums fall slightly below the state average of $174 and well below the national average of $154.
What are the best car insurance companies in Fall River?
With a high Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and various discounts, Travelers is the best car insurance company in Fall River. Other top insurers include Midvale Home & Auto, Liberty Mutual, and Safeco.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Massachusetts
Sources
- Cubit Planning. "Massachusetts Cities by Population."
- Census.gov. "U.S. Census Bureau QuickFacts: Fall River city, Massachusetts."
- Mass.gov. "Basics of Auto Insurance."
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Kim Porter
Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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