Cheapest Auto Insurance in Fall River, Massachusetts (2025)
State Farm offers the cheapest car insurance in Fall River, with minimum-coverage policies as low as $72 per month.
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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 $126 and well below the national average of $138.
The 10th-largest city in Massachusetts, Fall River has roads that are surprisingly among the least busy in the area.[?] 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.[?] 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Liberty Mutual | 7.7 | $179 | $140 | Bundling |
| Travelers | 8.5 | $76 | N/A | Discounts |
| Midvale Home & Auto | 3.2 | $129 | $69 | Cheap rates |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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
Best insurer for discounts: Travelers
Best insurer for cheap rates: Midvale Home & Auto
Find Cheap Car Insurance in Fall River
Liability coverage quotes start at $56 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 500+ 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 500+ 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.[?]
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:
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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $72 | $92 | $98 | $112 |
| USAA | $122 | $159 | $167 | $189 |
| GEICO | $122 | $162 | $161 | $185 |
| Safeco | $123 | $165 | $178 | $202 |
| Liberty Mutual | $168 | $216 | $232 | $261 |
| Allstate | $262 | $342 | $359 | $406 |
| Travelers | $280 | $366 | $386 | $434 |
| Amica | $381 | $523 | $524 | $594 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 500+ 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 $126 and well below the national average of $138.
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.
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