Cheapest Auto Insurance in Fall River, Massachusetts (2025)

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 $140 and well below the national average of $150.

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.

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	$213	$128	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.

• How Insurify rates insurance companies

  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 55,000 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

bundling

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User Reviews	3.7 1,701 reviews
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.	$153/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.	$265/mo

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Driver Reviews

3.7

A solid optionBased on 2,929 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

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 ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,701)

John

April 26, 2025

Verified Review

Very Happy With Liberty

Rates are a little high. I stay with them for exceptional customer service, especially claims.

Tammy

April 26, 2025

Verified Review

So far, Liberty Mutual has been the best insurance company I have worked with throughout the years!

Liberty has been my go-to for a few years now. They are the only ones I have found to have the most reasonable rates! The agents I have dealt with have been very knowledgeable and always helpful!

James

April 26, 2025

Verified Review

We were impressed with them when we first started, now we can't wait to leave them.

We were very impressed with Liberty Mutual until they decided to keep raising our rate for no justifiable reason. We have no tickets, no accidents; they just blame the area we live in as an excuse to keep raising our rate. At this point, we're just paying an exorbitant amount of money to have this thing called insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

819

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

3.95

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

Why 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

discounts

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User Reviews	4.7 454 reviews
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 /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.	$91/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.	$190/mo

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Driver Reviews

4.7

Best choiceBased on 872 verified guest reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (454)

Diana

April 23, 2025

Verified Review

We are retired, Florida rates are extremely expensive.

For us, we are retired and do not put more than 4,000 miles on our car each year. Despite this, the insurance rates in Florida are extremely expensive for us.

Victoria

April 21, 2025

Verified Review

Cancelled Policy

I had Travelers insurance through you for one year. Despite making no claims, my policy is being cancelled. You called to offer me a different policy that is over five times higher than my previous one. It feels like a bait and switch.

Eldon

April 20, 2025

Verified Review

Rate Increase for Uncontrollable Circumstances

They provide excellent service and have friendly staff. However, if your credit rating is low and you file a claim, followed by an identity theft incident with financial losses, they do allow you to catch up but increase your rates unreasonably.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

829

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

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++

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

cheap rates

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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.	NR

Show Details

Driver Reviews

Best For

Student drivers

Optional coverages

Bundling savings

Best For

Student drivers

Optional coverages

Bundling savings

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why 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 $97 per month

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Based on 3,806+ reviews

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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.

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.

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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Safeco	$117	$134	$164	$154
Liberty Mutual	$153	$182	$217	$207

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