Best Cheap Auto Insurance in Ayer, MA (2021)

The average Ayer, MA auto insurance rates are $233 per month. The minimum auto insurance in Ayer is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Ayer, Massachusetts, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Ayer for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Ayer is State Farm
  • Average auto insurance rates in Ayer, MA for senior drivers are $1,738 per year

Ayer, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Ayer can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ayer, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Ayer to other Massachusetts cities, including Quincy auto insurance rates, New Bedford auto insurance rates, and Lynn auto insurance rates to see how Ayer, Massachusetts auto insurance rates stack up.

Before you buy Ayer, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ayer, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Ayer, Massachusetts

Ayer, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ayer, Massachusetts.

Minimum Required Auto Insurance Coverage in Ayer, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Ayer, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ayer, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ayer, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,050 $2,050 $2,050 $2,050 $7,419 $7,419 $2,300 $2,300
GEICO $1,800 $1,800 $1,667 $1,667 $5,151 $5,151 $1,857 $1,857
Liberty Mutual $2,623 $2,623 $2,287 $2,287 $8,758 $8,758 $2,744 $2,744
Progressive $1,994 $1,994 $1,915 $1,915 $7,481 $7,481 $2,157 $2,157
State Farm $862 $862 $862 $862 $2,394 $2,394 $862 $862
Travelers $2,390 $2,390 $2,121 $2,121 $4,826 $4,826 $2,651 $2,651
USAA $1,286 $1,286 $1,267 $1,267 $2,984 $2,984 $1,419 $1,419

Cheap Ayer, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ayer, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Ayer, Massachusetts.

Annual Auto Insurance Rates for Teen Drivers in Ayer, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,419 $7,419
GEICO $5,151 $5,151
Liberty Mutual $8,758 $8,758
Progressive $7,481 $7,481
State Farm $2,394 $2,394
Travelers $4,826 $4,826
USAA $2,984 $2,984

Cheap Ayer, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Ayer, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ayer, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,050
GEICO $1,667 $1,667
Liberty Mutual $2,287 $2,287
Progressive $1,915 $1,915
State Farm $862 $862
Travelers $2,121 $2,121
USAA $1,267 $1,267

Cheap Ayer, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ayer, Massachusetts compared to the annual auto insurance rates with a clean record in Ayer, Massachusetts.

Annual Ayer, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,680 $3,972 $4,487 $2,680
GEICO $2,096 $2,881 $3,288 $2,209
Liberty Mutual $3,238 $4,409 $5,311 $3,453
Progressive $2,850 $4,006 $3,182 $3,510
State Farm $986 $1,342 $1,597 $1,056
Travelers $2,350 $3,231 $3,437 $2,970
USAA $1,241 $1,608 $2,721 $1,387

Cheap Ayer, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ayer, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Ayer, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Ayer, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,487
GEICO $3,288
Liberty Mutual $5,311
Progressive $3,182
State Farm $1,597
Travelers $3,437
USAA $2,721

Cheap Ayer, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ayer, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Ayer, Massachusetts to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ayer, Massachusetts

ZIP Code Average Annual Rates
1432 $2,792

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Cheap Ayer, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Ayer, Massachusetts auto insurance. Find the cheapest annual Ayer, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ayer, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,346 $3,564
GEICO $2,567 $2,670
Liberty Mutual $3,942 $4,264
Progressive $3,387 $3,387
State Farm $1,216 $1,275
Travelers $2,858 $3,136
USAA $1,691 $1,787

Cheap Ayer, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ayer, Massachusetts? Check out the comparison of annual Ayer, Massachusetts auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ayer, Massachusetts

Insurance Company Low Medium High
Allstate $3,220 $3,506 $3,638
GEICO $2,409 $2,667 $2,780
Liberty Mutual $3,847 $4,155 $4,307
Progressive $3,101 $3,455 $3,605
State Farm $1,135 $1,268 $1,333
Travelers $2,724 $3,057 $3,211
USAA $1,611 $1,768 $1,838

Best By Category: Cheapest Auto Insurance in Ayer, Massachusetts

Compare the cheapest auto insurance companies in Ayer, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ayer, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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The Cheapest Ayer, Massachusetts Auto Insurance Companies

What auto insurance companies in Ayer, Massachusetts are the cheapest? Compare the top Ayer, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ayer, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,455
GEICO $2,619
Liberty Mutual $4,103
Progressive $3,387
State Farm $1,245
Travelers $2,997
USAA $1,739

What affects auto insurance rates in Ayer, Massachusetts?

There are a lot of reasons why auto insurance rates in Ayer, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ayer, Massachusetts. Many local factors may affect your Ayer auto insurance rates.

Ayer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ayer, Massachusetts commute length is 33.7 minutes according to City-Data.

Compare Ayer, Massachusetts Auto Insurance Quotes

Before you buy Ayer, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ayer, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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