Best Cheap Auto Insurance in Chelsea, MA (2021)

The average Chelsea, MA auto insurance rates are $399 per month. The minimum auto insurance in Chelsea is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Chelsea, Massachusetts, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Chelsea, MA for senior drivers are $3,279 per year
  • The minimum auto insurance required in Chelsea, Massachusetts is 20/40/5
  • The average commute length in Chelsea is 34.6 minutes

Chelsea, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Chelsea 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 Chelsea, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Chelsea to other Massachusetts cities, including Boston auto insurance rates, Fall River auto insurance rates, and Worcester auto insurance rates to see how Chelsea, Massachusetts auto insurance rates stack up.

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

Minimum Auto Insurance in Chelsea, Massachusetts

Chelsea, 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 Chelsea, Massachusetts.

Minimum Required Auto Insurance Coverage in Chelsea, 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 Chelsea, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chelsea, 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 Chelsea, 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 $4,103 $4,103 $4,103 $4,103 $9,965 $9,965 $4,583 $4,583
GEICO $3,315 $3,315 $3,088 $3,088 $6,574 $6,574 $3,428 $3,428
Liberty Mutual $5,200 $5,200 $4,527 $4,527 $11,535 $11,535 $5,444 $5,444
Progressive $3,614 $3,614 $3,451 $3,451 $13,716 $13,716 $3,912 $3,912
State Farm $1,572 $1,572 $1,572 $1,572 $3,263 $3,263 $1,572 $1,572
Travelers $4,585 $4,585 $4,003 $4,003 $9,576 $9,576 $5,106 $5,106
USAA $2,252 $2,252 $2,210 $2,210 $5,194 $5,194 $2,495 $2,495

Cheap Chelsea, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chelsea, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,965 $9,965
GEICO $6,574 $6,574
Liberty Mutual $11,535 $11,535
Progressive $13,716 $13,716
State Farm $3,263 $3,263
Travelers $9,576 $9,576
USAA $5,194 $5,194

Cheap Chelsea, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chelsea, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,103 $4,103
GEICO $3,088 $3,088
Liberty Mutual $4,527 $4,527
Progressive $3,451 $3,451
State Farm $1,572 $1,572
Travelers $4,003 $4,003
USAA $2,210 $2,210

Cheap Chelsea, 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 Chelsea, Massachusetts compared to the annual auto insurance rates with a clean record in Chelsea, Massachusetts.

Annual Chelsea, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,371 $6,603 $7,408 $4,371
GEICO $3,231 $4,538 $5,190 $3,445
Liberty Mutual $5,279 $7,190 $8,565 $5,671
Progressive $5,158 $7,328 $5,797 $6,409
State Farm $1,589 $2,148 $2,534 $1,707
Travelers $4,479 $6,288 $6,748 $5,755
USAA $2,148 $2,785 $4,805 $2,413

Cheap Chelsea, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chelsea, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,408
GEICO $5,190
Liberty Mutual $8,565
Progressive $5,797
State Farm $2,534
Travelers $6,748
USAA $4,805

Cheap Chelsea, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chelsea, Massachusetts

ZIP Code Average Annual Rates
2150 $4,784

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Cheap Chelsea, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chelsea, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,507 $5,870
GEICO $4,016 $4,186
Liberty Mutual $6,433 $6,919
Progressive $6,173 $6,173
State Farm $1,950 $2,039
Travelers $5,528 $6,107
USAA $2,952 $3,124

Cheap Chelsea, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chelsea, Massachusetts

Insurance Company Low Medium High
Allstate $5,270 $5,771 $6,023
GEICO $3,789 $4,167 $4,347
Liberty Mutual $6,257 $6,757 $7,015
Progressive $5,673 $6,263 $6,584
State Farm $1,807 $2,025 $2,152
Travelers $5,258 $5,926 $6,269
USAA $2,834 $3,079 $3,199

Best By Category: Cheapest Auto Insurance in Chelsea, Massachusetts

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

Best Annual Auto Insurance Rates by Company in Chelsea, 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 Chelsea, Massachusetts Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chelsea, Massachusetts

Insurance Company Average Annual Rates
Allstate $5,688
GEICO $4,101
Liberty Mutual $6,676
Progressive $6,173
State Farm $1,995
Travelers $5,817
USAA $3,038

What affects auto insurance rates in Chelsea, Massachusetts?

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

Chelsea Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chelsea, Massachusetts commute length is 34.6 minutes according to City-Data.

Compare Chelsea, Massachusetts Auto Insurance Quotes

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

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

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