Cheapest Auto Insurance in Fall River, Massachusetts (2024)

Midvale Home & Auto offers the cheapest car insurance in Fall River, with minimum-coverage policies as low as $53 per month.

Kim Porter
Written byKim Porter
Kim Porter
Kim Porter
  • 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.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo

Updated April 22, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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 $154 and well below the national average of $158.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Liberty Mutual3.8$272$121Bundling
Travelers4.3$76N/ADiscounts
Midvale Home & Auto3.2$108$68Cheap 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for bundling: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$92/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.
$156/mo

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

Read our Liberty Mutual review
Kevin - April 20, 2024
Verified

Affordable Rates

They are cheaper than anyone else. Comparing with other companies, even through your company, seems like a joke.

Christine - April 20, 2024
Verified

I Want to Trust My Insurance Salesman

I hope that Liberty is truthful about their car insurance. They promised that after three months, I would receive mileage credit as I drive less than 50 miles a month.

Gregory - April 18, 2024
Verified

Changing Carriers!!!

Always get prices in writing. My price increased by 60% for no apparent reason. I've had the same vehicle for 2 years and suddenly the prices increased by 60%. I'm definitely switching carriers!!!

Best insurer for discounts: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$60/mo

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

Read our Travelers review
Raymond Gary - April 21, 2024
Verified

Disappointed with the Outcome

We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.

Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Best insurer for cheap rates: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$53/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.
$86/mo

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 $68 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 CompanyAverage 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 CompanyAverage 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.

Estimate your Fall River car insurance costs

Select discounts that apply to you
Save 25%
Save 4%
Save 19%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your car after a collision, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers non-collision incidents, such as vandalism, theft, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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: Wednesday, April 17 at 12:00 PM PDT
Insurance Company Clean Driving Record With Speeding Ticket With At-Fault Accident With DUI
Safeco67868796
Liberty Mutual92117118132
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:

AgeAverage 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 $154 and well below the national average of $158.

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Cubit Planning. "Massachusetts Cities by Population."
  2. Census.gov. "U.S. Census Bureau QuickFacts: Fall River city, Massachusetts."
  3. Mass.gov. "Basics of Auto Insurance."
Kim Porter
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all