Cheapest Car Insurance In Holyoke, MA 2025
State Farm is the most affordable choice for minimum coverage car insurance in Holyoke, offering an average monthly rate of $19.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most affordable car insurance in Holyoke, MA, the options can differ significantly.
For those after the lowest cost liability-only coverage, State Farm stands out as the top choice. Additionally, drivers seeking more extensive protection will find that State Farm provides the best rates for full coverage plans. The company also offers the most affordable rates for young drivers.
Cheapest Car Insurance In Holyoke, MA
Cheapest Liability-only Car Insurance In Holyoke: State Farm
State Farm offers the most affordable minimum coverage car insurance in Holyoke, with an average cost of $19 per month.
Refer to the table below to compare rates from various insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safety | $25 | $300 |
| Plymouth Rock | $26 | $312 |
| State Farm | $19 | $228 |
| Vermont Mutual | $23 | $276 |
| Hanover | $28 | $336 |
Cheapest Full Coverage Insurance Rates In Holyoke: State Farm
State Farm offers the lowest rates for full coverage car insurance in Holyoke, with an average monthly cost of $45.
Check out the table below to see how average quotes from budget-friendly insurers in Holyoke compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock | $64 | $768 |
| Vermont Mutual | $85 | $1,020 |
| State Farm | $45 | $540 |
| Safety | $73 | $876 |
| American Family | $60 | $720 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Holyoke, with an average monthly rate of $55.
The table below highlights average quotes from the top budget-friendly insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $107 | $1,284 |
| Safety | $100 | $1,200 |
| State Farm | $55 | $660 |
| Norfolk and Dedham Group | $102 | $1,224 |
| Plymouth Rock | $96 | $1,152 |
Cheapest Rates In Holyoke For Teenagers: Plymouth Rock
Teen drivers in Holyoke can get the lowest rates from Plymouth Rock, with average monthly premiums of $251.
The table below lists the insurance providers offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $418 | $5,024 |
| Plymouth Rock | $251 | $3,020 |
| Travelers | $323 | $3,885 |
| USAA | $270 | $3,244 |
| Safety | $398 | $4,782 |
Cheapest Auto Insurance For Young Adults in Holyoke: State Farm
State Farm provides the most affordable car insurance for young adults in Holyoke, with an average monthly rate of $65.
Check the table below to compare the cheapest auto insurance options for young adults in Holyoke.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safety | $136 | $1,632 |
| USAA | $120 | $1,440 |
| State Farm | $65 | $780 |
| Preferred Mutual | $148 | $1,776 |
| Norfolk and Dedham Group | $125 | $1,500 |
Cheapest Car Insurance In Holyoke For Good Drivers: State Farm
Good drivers in Holyoke can secure the lowest car insurance rates from State Farm, averaging $27 per month.
The table below highlights average quotes from the most affordable insurers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $43 | $516 |
| Safety | $57 | $684 |
| State Farm | $27 | $324 |
| Vermont Mutual | $51 | $612 |
| Plymouth Rock | $46 | $552 |
Find Affordable Holyoke Rates
Cheapest Car Insurance In Holyoke After A Speeding Ticket: State Farm
State Farm stands out as a highly affordable option in Holyoke, offering an average rate of $35 per month for drivers with a speeding ticket on their record.
The table below provides a comparison of average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Vermont Mutual | $51 | $612 |
| State Farm | $35 | $420 |
| American Family | $57 | $684 |
| Plymouth Rock | $48 | $576 |
| Safety | $64 | $768 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $33 per month.
Below is a list of insurance companies offering the most affordable rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock | $59 | $708 |
| Hanover | $55 | $660 |
| American Family | $65 | $780 |
| Safety | $48 | $576 |
| State Farm | $33 | $396 |
Cheapest Rates In Holyoke For Drivers After A DUI: Hanover
Hanover provides the most affordable rates for drivers who have a DUI. In Holyoke, drivers can expect average monthly premiums of $42.
For those in Holyoke with a DUI, the lowest rates are listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $53 | $636 |
| State Farm | $48 | $576 |
| Plymouth Rock | $66 | $792 |
| Hanover | $42 | $504 |
| Safety | $61 | $732 |
Best Car Insurance Companies In Holyoke
State Farm offers the lowest insurance rates for drivers in Holyoke, starting at $65 per month. You may also want to check out Preferred Mutual at $110 per month or USAA at $116 per month.
The table below lists the top 10 car insurance companies in Holyoke, MA, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $65 |
| Preferred Mutual | $110 |
| USAA | $116 |
| Safety | $119 |
| Norfolk and Dedham Group | $121 |
| ACE American Pool | $145 |
| Quincy Mutual | $155 |
| Metropolitan | $157 |
| National Grange Mutual | $162 |
| Liberty Mutual | $167 |
Average Auto Insurance Rates In Holyoke – By Age
Age plays a significant role in determining car insurance rates. Younger drivers, particularly teenagers, typically face higher premiums due to their inexperience and higher risk of accidents or traffic violations. Teenagers can expect to pay around $3,991 annually for car insurance.
Rates generally start to drop when drivers reach 25, provided they have a clean driving history.
Drivers in their 50s and early 60s usually receive the best insurance rates, as they are considered less risky due to their experience. Insurance companies use age to gauge driving experience and risk, which directly affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,991 |
| 20s | $1,464 |
| 30s | $1,440 |
| 40s | $1,032 |
| 50s | $960 |
| 60s | $972 |
| 70s | $1,092 |
Average Rates In Holyoke – By Vehicle
The type of vehicle you drive is an important factor in setting your car insurance rates. Insurance companies consider details like the make, model, year, and body style of the car. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher premiums.
The table below shows the average insurance rates in Holyoke for various vehicles.
| Vehicle | Average Monthly Rate |
| Nissan Rogue | $75 |
| Honda Accord | $76 |
| Ford Fusion | $79 |
| Toyota Corolla | $83 |
| Honda Pilot | $105 |
How Much Is Car Insurance For Other Cities In Massachusetts?
Your city plays a major role in determining your car insurance rates. Insurance companies consider factors like accident frequency, vehicle theft, and vandalism, which tend to be higher in cities. This increased risk usually leads to higher premiums.
For instance, drivers in Boston can expect to pay about $140 per month for car insurance, while those in Woburn pay an average of $103 per month.
| City | Average Monthly Rate |
| Boston | $140 |
| Woburn | $103 |
| Brockton | $155 |
| Cambridge | $110 |
| Worcester | $125 |
| Springfield | $115 |
| Haverhill | $95 |
| New Bedford | $136 |
| Lawrence | $132 |
| Medford | $110 |
Find Affordable Holyoke Rates
Our Methodology
Based on a detailed analysis that takes into account factors like customer service ratings, product offerings, pricing, and insights from various online reviews and user experiences, I’ve put together a comprehensive overview of the car insurance providers in Holyoke, MA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Holyoke?
State Farm offers the lowest car insurance rates in Holyoke, both for the minimum coverage required by the state of Massachusetts and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Holyoke?
The average monthly cost of car insurance in Holyoke is around $130. However, rates can differ depending on factors like your zip code, the year and model of your car, and your driving history.
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