Best Cheap Auto Insurance in Monterey, MA (2021)

The average Monterey, MA auto insurance rates are $206 per month. The minimum auto insurance in Monterey is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Monterey, 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

  • The minimum auto insurance required in Monterey, Massachusetts is 20/40/5
  • The most expensive auto insurance company in Monterey for teen drivers is Liberty Mutual
  • Average auto insurance rates in Monterey, MA for senior drivers are $1,548 per year

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

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

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

Minimum Auto Insurance in Monterey, Massachusetts

Monterey, 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 Monterey, Massachusetts.

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

Auto insurance rates in Monterey, 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 Monterey, 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 $1,805 $1,805 $1,805 $1,805 $6,389 $6,389 $2,019 $2,019
GEICO $1,585 $1,585 $1,457 $1,457 $4,691 $4,691 $1,639 $1,639
Liberty Mutual $2,218 $2,218 $1,934 $1,934 $7,380 $7,380 $2,319 $2,319
Progressive $1,859 $1,859 $1,778 $1,778 $6,746 $6,746 $2,011 $2,011
State Farm $740 $740 $740 $740 $2,110 $2,110 $740 $740
Travelers $2,261 $2,261 $2,006 $2,006 $4,509 $4,509 $2,499 $2,499
USAA $1,133 $1,133 $1,117 $1,117 $2,604 $2,604 $1,251 $1,251

Cheap Monterey, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Monterey, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,389 $6,389
GEICO $4,691 $4,691
Liberty Mutual $7,380 $7,380
Progressive $6,746 $6,746
State Farm $2,110 $2,110
Travelers $4,509 $4,509
USAA $2,604 $2,604

Cheap Monterey, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monterey, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,805 $1,805
GEICO $1,457 $1,457
Liberty Mutual $1,934 $1,934
Progressive $1,778 $1,778
State Farm $740 $740
Travelers $2,006 $2,006
USAA $1,117 $1,117

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

Annual Monterey, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,337 $3,453 $3,889 $2,337
GEICO $1,878 $2,573 $2,943 $1,978
Liberty Mutual $2,733 $3,719 $4,485 $2,914
Progressive $2,612 $3,654 $2,913 $3,216
State Farm $859 $1,166 $1,388 $918
Travelers $2,217 $3,036 $3,226 $2,796
USAA $1,092 $1,412 $2,381 $1,219

Cheap Monterey, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monterey, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,889
GEICO $2,943
Liberty Mutual $4,485
Progressive $2,913
State Farm $1,388
Travelers $3,226
USAA $2,381

Cheap Monterey, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monterey, Massachusetts

ZIP Code Average Annual Rates
1245 $2,477

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Cheap Monterey, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Monterey, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,909 $3,099
GEICO $2,297 $2,389
Liberty Mutual $3,327 $3,598
Progressive $3,099 $3,099
State Farm $1,058 $1,108
Travelers $2,687 $2,951
USAA $1,484 $1,568

Cheap Monterey, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Monterey, Massachusetts

Insurance Company Low Medium High
Allstate $2,788 $3,052 $3,172
GEICO $2,166 $2,385 $2,477
Liberty Mutual $3,248 $3,507 $3,633
Progressive $2,882 $3,152 $3,262
State Farm $990 $1,101 $1,157
Travelers $2,578 $2,871 $3,007
USAA $1,418 $1,551 $1,609

Best By Category: Cheapest Auto Insurance in Monterey, Massachusetts

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

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

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

Average Annual Auto Insurance Rates by Company in Monterey, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,004
GEICO $2,343
Liberty Mutual $3,463
Progressive $3,099
State Farm $1,083
Travelers $2,819
USAA $1,526

What affects auto insurance rates in Monterey, Massachusetts?

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

Monterey Traffic

How does Monterey, Massachusetts rank for traffic? According to Inrix Monterey, Massachusetts is the 416th most congested worldwide.

Compare Monterey, Massachusetts Auto Insurance Quotes

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