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.
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.
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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 $117 and well below the national average of $154.
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 Company
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.
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
$81/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.
$138/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
I don’t like talking to a computer. I’m a one-on-one kind of person.
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.
$66/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
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
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.
$57/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.
$94/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 $66 per month
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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 collisionand 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:
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, November 7 at 11:00 AM PST.
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
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 $117 and well below the national average of $154.
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.
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.
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.
Liberty Mutual
Travelers
Midvale Home & Auto
