Cheapest Car Insurance In Medford, MA 2025
State Farm offers the lowest car insurance rates in Medford, averaging $20 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 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 |
Find affordable Medford rates
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 |
Find affordable Medford rates
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
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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