Cheapest Car Insurance In Medford, MA 2025

State Farm offers the lowest car insurance rates in Medford, averaging $20 per month for minimum coverage.

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Updated: 24 February 2025
Written by Bob Phillips
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Searching for the most affordable car insurance in Medford, MA, can lead to a wide range of options.

State Farm stands out as the most affordable option for liability-only coverage, while Plymouth Rock provides the best rates for full coverage. Young drivers, on the other hand, get the lowest rates from State Farm.

Cheapest Car Insurance Companies In Medford, MA 2025

Cheapest Car Insurance, Medford, MA 2025

Cheapest Liability-only Car Insurance In Medford: State Farm

In Medford, State Farm offers the most affordable minimum coverage car insurance, costing an average of $20 per month.

Refer to the table below for a comparison of rates from various insurance providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $20 $240
Vermont Mutual $26 $312
Plymouth Rock $28 $336
Hanover $27 $324
American Family $32 $384

Cheapest Full Coverage Insurance Rates In Medford: Plymouth Rock

Plymouth Rock offers the most affordable full coverage car insurance in Medford, with average rates of $68 per month.

The following table displays average car insurance quotes from budget-friendly providers in Medford.

Provider Average Monthly Cost Average Annual Cost
Plymouth Rock $68 $816
American Family $70 $840
Hanover $93 $1,116
Vermont Mutual $89 $1,068
Safety Group $77 $924

Cheapest Car Insurance Rates For Seniors: State Farm

At an average of $81 per month, State Farm offers the most affordable car insurance for seniors in Medford.

The table below displays average quotes from the most affordable auto insurance providers for seniors.

Provider Average Monthly Cost Average Annual Cost
State Farm $81 $972
USAA $164 $1,968
Preferred Mutual $126 $1,512
National Grange $177 $2,124
Safety Group $168 $2,016

Cheapest Rates In Medford For Teenagers: Plymouth Rock

Plymouth Rock offers the most affordable car insurance for teenage drivers in Medford, with average monthly premiums of $253.

The table below highlights the insurance providers offering the lowest rates for teen drivers.

Provider Average Monthly Cost Average Annual Cost
Plymouth Rock $253 $3,036
Travelers $399 $4,788
GEICO $325 $3,900
Progressive $446 $5,352
Safety $420 $5,040

Cheapest Auto Insurance For Young Adults in Medford: State Farm

Young adults in Medford can find the lowest car insurance rates from State Farm, averaging $84 per month.

The table below allows you to compare the most affordable auto insurance rates for young adults in Medford.

Provider Average Monthly Cost Average Annual Cost
State Farm $84 $1,008
USAA $146 $1,752
Pure Companies $116 $1,392
Norfolk and Dedham $199 $2,388
Preferred Mutual $160 $1,920

Cheapest Car Insurance In Medford For Good Drivers: State Farm

State Farm offers the lowest car insurance rates for good drivers in Medford, averaging $20 per month.

The table below helps good drivers compare average quotes from the most budget-friendly insurance providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $20 $240
Vermont Mutual $26 $312
Plymouth Rock $28 $336
Hanover $27 $324
American Family $32 $384

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Cheapest Car Insurance In Medford After A Speeding Ticket: GEICO

Compared to other insurers in Medford, GEICO is highly affordable, offering an average rate of $124 per month for drivers with a speeding ticket.

The table below provides average insurance rates for drivers who have a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
GEICO $124 $1,488
Plymouth Rock $164 $1,968
Farmers $225 $2,700
Progressive $186 $2,232
USAA $147 $1,764

Cheapest For Drivers With After At-Fault Accident: Plymouth Rock

For drivers with an at-fault accident, Plymouth Rock provides the most affordable car insurance, averaging $131 per month.

These car insurance companies offer the lowest rates for drivers with an at-fault accident on their record.

Provider Average Monthly Cost Average Annual Cost
Plymouth Rock $131 $1,572
Safety $172 $2,064
GEICO $161 $1,932
Progressive $206 $2,472
Farmers $327 $3,924

Cheapest Rates In Medford For Drivers After A DUI: Plymouth Rock

Plymouth Rock provides the most affordable rates for drivers with a DUI, offering Medford motorists an average premium of $169 per month.

The table below shows the most affordable insurance rates for Medford drivers with a DUI.

Provider Average Monthly Cost Average Annual Cost
Plymouth Rock $169 $2,028
GEICO $183 $2,196
Travelers $185 $2,220
USAA $306 $3,672
Arabella $239 $2,868

Best Car Insurance Companies In Medford

State Farm offers the cheapest car insurance in Medford at $20 per month, while Safety Group and Vermont Mutual follow closely at $25 and $26, respectively.

Below is a list of the top 10 car insurance companies in Medford, MA, ranked by their average monthly premiums.

Company Monthly Premium
State Farm $20
Vermont Mutual $26
Plymouth Rock $28
Hanover $27
American Family $32
GEICO $37
Chubb $42
Safety Group $25
Arabella $53
USAA $43

Average Auto Insurance Rates In Medford – By Age

Age plays a significant role in determining car insurance rates. Younger drivers often face higher premiums due to their inexperience and increased risk of accidents and traffic violations. On average, teens pay about $1,817 per year for coverage.

Once drivers turn 25, their insurance rates tend to drop, provided they have a clean driving history.

Drivers in their 50s and early 60s typically receive the best insurance rates, as companies factor in age to gauge experience and risk when setting premiums.

Age Average Yearly Rate
Teenagers $1,817
20s $1,665
30s $1,548
40s $1,126
50s $1,136
60s $1,427
70s $1,344

Average Rates In Medford – By Vehicle

Your car’s make, model, year, and body type greatly impact your insurance rates. Newer luxury vehicles with advanced features and high replacement costs generally come with higher premiums.

The table below shows the average insurance rates in Medford for various vehicle types.

Vehicle Average Monthly Rate
Hyundai Elantra $91
Honda Accord $58
Kia Forte $137
Ford Focus $119
BMW X3 $196

How Much Is Car Insurance In Other Cities in Massachusetts?

Where you live has a major impact on your car insurance costs. Insurers assess risks like accident rates, car theft, and vandalism, which tend to be higher in urban areas, leading to increased premiums.

In Lynn, drivers typically pay about $146 per month for car insurance, whereas those in Andover see an average monthly rate of $83.

City Average Monthly Rate
Springfield $126
Boston $141
Cambridge $112
Haverhill $102
Lynn $146
Andover $83
Worcester $130
Fall River $135
Lowell $114
New Bedford $138

Average Cost Of Auto Insurance In Medford – By Zip Code

Insurers use zip codes to assess crime levels in an area, which is why car insurance rates vary by location.

The table below shows the average car insurance rates for various zip codes in Medford.

Zip Code Average Monthly Rate
02155 $120

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Our Methodology

Based on an extensive review of factors like customer service, policy options, pricing, and online feedback, I’ve compiled a detailed analysis of car insurance providers in Medford, MA.

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Quotes Analyzed

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FAQs

Who has the lowest car insurance rates in Medford?

In Medford, State Farm provides the cheapest rates for minimum coverage, while Plymouth Rock offers the most affordable full coverage, including comprehensive and collision protection.

What is the average cost of car insurance in Medford?

In Medford, the average car insurance cost is approximately $120 per month, though your rate may vary depending on factors like zip code, vehicle model, and driving history.

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