120+ more*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Mary is a freelance writer and researcher specializing in insurance and other personal finance topics for consumers.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Car insurance costs an average of $151 per month in Fall River, Massachusetts. The average rate for liability-only car insurance is $121 per month, and the average rate for full coverage is $180 per month.
Fall River’s average car insurance rates are just slightly higher than nearby New Bedford’s, which averages $138 per month. But rates are much lower in Fall River than in Brockton, which lies about 30 miles to the north and has an average rate of $202 per month.
Fall River’s average commute time and population density are both lower than in Brockton, which decreases the chances of an accident.[1]
The cheapest insurer in Fall River is State Farm, with an average monthly rate of $63 for liability-only car insurance. That’s much lower than the Massachusetts state average, which is $102 per month for liability-only coverage.
In Massachusetts, the state-minimum liability requirements are $25,000 per person and $50,000 per accident for bodily injury liability, $30,000 for property damage liability, $25,000 per person and $50,000 per accident for uninsured motorist insurance coverage, and $8,000 for personal injury protection (PIP).[2]
The following table shows the cheapest liability car insurance rates in Fall River.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| USAA | $106 |
| GEICO | $107 |
| Safeco | $128 |
| Progressive | $145 |
| Liberty Mutual | $156 |
| Bristol West | $206 |
| Travelers | $243 |
| Embark | $263 |
| Amica | $331 |
Liability quotes start at $63/mo.
The cheapest insurer in Fall River for full-coverage car insurance is State Farm, with an average monthly rate of $89. That’s well below the average full-coverage rate in Fall River and every other Massachusetts city Insurify researched, including Cambridge, Boston, Worcester, and Brockton.
Drivers in Fall River can benefit from full-coverage car insurance because it can help with the cost of repairs after an accident. Massachusetts has the highest proportion of drivers with an accident on their motor vehicle record, at 7%, and Fall River has an accident rate of over 7%, according to Insurify data. Full-coverage car insurance includes comprehensive and collision insurance, which can help cover damage to your vehicle after a crash.
The following table shows the cheapest rates for full-coverage car insurance in Fall River.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $89 |
| USAA | $151 |
| GEICO | $152 |
| Safeco | $204 |
| Liberty Mutual | $228 |
| Progressive | $252 |
| Bristol West | $337 |
| Travelers | $347 |
| Amica | $472 |
Fall River car insurance rates are higher than in most other areas of Massachusetts. The cheapest city for car insurance is Cambridge, with an average monthly rate of $99. Brockton is the most expensive in the state, with an average monthly rate of $202, according to Insurify data.
Fall River’s rates sit roughly in the middle, at $151 per month. Fall River also falls between the two in motor vehicle thefts, which affect car insurance rates. The city recorded 155 auto thefts in 2025, compared to 64 in Cambridge and 354 in Brockton.[3]
The following table shows car insurance rates for various cities in Massachusetts.
City | Average Monthly Quote |
|---|---|
| Cambridge | $99 |
| Boston | $108 |
| Somerville | $109 |
| Quincy | $120 |
| Lowell | $124 |
| New Bedford | $138 |
| Worcester | $149 |
| Springfield | $156 |
| Brockton | $202 |
Fall River is the 10th-largest city in Massachusetts, but its car insurance rates are the fourth-most expensive. Rates in Fall River are about 25% higher than in Boston, which has a population roughly seven times that of Fall River, according to state data.
Although Boston has a higher urban density and worse traffic congestion than Fall River, its accident rate is lower, and it has a much more robust public transit system, which can relieve some dependency on car travel.
Fall River’s location on busy Interstate 195 also increases rates for drivers in the area. Accidents and construction are common. Likewise, if you report a claim, it could push your rate up at renewal. Consider bundling your auto policy with home or renters insurance to lower your insurance costs in Fall River.
*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fall River, Massachusetts within the last 10 days. Last updated on October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects the car insurance rates you receive. Drivers with a clean record often receive lower rates than drivers with a ticket, accident, or operating under the influence (OUI) conviction on their record. Below are the cheapest insurers for car insurance in Fall River by driving record.
Cheapest car insurance for Fall River drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Fall River: State Farm
Cheapest car insurance for Fall River drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OUI in Fall River: State Farm
A clean driving record can help you pay less for auto insurance, while a high-risk driving record will increase your rates.[4] About 4% of Fall River drivers have a speeding ticket on their record, 7% have an accident, and 0.3% have an OUI, according to Insurify data. In comparison, 3% of drivers in the state have a ticket, 7% have an accident, and 0.5% have an OUI.
In Massachusetts, drivers with a blood alcohol content above 0.20% also face enhanced penalties for operating under the influence, including requiring an ignition interlock device.[5]
The table below shows average rates for drivers with an incident in Fall River.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $151 |
| Speeding ticket | $204 |
| At-fault accident | $186 |
| OUI | $248 |
To drive safely in Fall River, one of the main hazards you’ll need to watch out for is precipitation. During warmer months, heavy rains can cause deep flooding, effectively making roadways impassable. Use caution near low points on Barnes Street, Highland Avenue, Plymouth Avenue, Grinnell Street, and other flood-prone roads.
In winter, snow can interrupt or delay your trip and even change where you can park. To keep roads clear for travel, Fall River institutes winter parking bans when the forecast calls for three or more inches of snow. These parking bans prohibit parking within 20 feet of a street corner and 10 feet of a fire hydrant.
For streets that run east-west, you can only park on the north side of the street. For streets that run north-south, you can only park on the west side of the street. Violations incur a $65 fee, according to city reports.
The average commute time in Fall River is 26 minutes, which is lower than both the state and national averages, per the U.S. census. But shorter commutes don’t mean there isn’t traffic.
I-195 runs through Fall River, often causing backups near key interchanges, such as at Plymouth Avenue and at state Route 24. Other areas that see backups include U.S. Route 6 (President Avenue), Davol Street, and state Route 79 (Western Fall River Expressway). Congestion and stop-and-go traffic can increase the chances of an accident, leading to higher car insurance rates.
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In Fall River, drivers must be 16 years old to receive a learner’s permit. Massachusetts has graduated driver licensing, so drivers must be 16 and a half to receive a junior driver’s license, and they’re eligible for full driving privileges at age 18.[6]
Teen drivers in Fall River pay monthly averages of $210 for liability coverage and $313 for full coverage.
The table below shows the cheapest rates for teenage drivers in Fall River.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $118 |
| USAA | $188 |
| GEICO | $188 |
| Progressive | $252 |
| Safeco | $255 |
| Liberty Mutual | $265 |
| Bristol West | $353 |
| Embark | $457 |
| Travelers | $489 |
| Amica | $591 |
About 16% of Fall River’s residents are 65 or older, according to the U.S. Census Bureau.
The cheapest insurer for seniors in Fall River is State Farm. State Farm’s average rates for drivers in their 60s is $48 per month for liability-only coverage.
The table below shows the cheapest rates for senior drivers in Fall River.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| GEICO | $83 |
| USAA | $84 |
| Safeco | $109 |
| Progressive | $121 |
| Liberty Mutual | $127 |
| Bristol West | $168 |
| Travelers | $191 |
| Embark | $219 |
| Amica | $255 |
Below are some of the most frequently asked questions about car insurance in Fall River, Massachusetts.
The average cost of car insurance in Fall River is $151 per month. Liability-only coverage averages $121 per month, and full coverage averages $180 per month.
State Farm has the lowest average rates for car insurance in Fall River, averaging $63 per month for liability-only coverage.
One of the best ways to keep your car insurance costs down in Fall River is to maintain a clean driving record. Shopping around and requesting multiple auto insurance quotes will help you find the lowest rate for your driver profile.
Yes. Drivers must carry bodily injury liability and property damage liability limits of 25/50/30 as well as $8,000 in PIP coverage and $25,000 per person ($50,000 per accident) in uninsured motorist coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Mary is a freelance writer and researcher specializing in insurance and other personal finance topics for consumers.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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