Best Cheap Auto Insurance in Needham, MA (2021)

The average Needham, MA auto insurance rates are $236 per month. The minimum auto insurance in Needham is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Needham, 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 Needham, MA for senior drivers are $1,774 per year
  • The most expensive auto insurance company in Needham for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Needham, Massachusetts is 20/40/5

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

Compare auto insurance in Needham to other Massachusetts cities, including Lowell auto insurance rates, Springfield auto insurance rates, and Lynn auto insurance rates to see how Needham, Massachusetts auto insurance rates stack up.

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

Minimum Auto Insurance in Needham, Massachusetts

Needham, 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 Needham, Massachusetts.

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

Auto insurance rates in Needham, 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 Needham, 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 $2,072 $2,072 $2,072 $2,072 $7,360 $7,360 $2,320 $2,320
GEICO $1,718 $1,718 $1,586 $1,586 $4,898 $4,898 $1,774 $1,774
Liberty Mutual $2,503 $2,503 $2,181 $2,181 $8,226 $8,226 $2,618 $2,618
Progressive $2,046 $2,046 $1,962 $1,962 $7,713 $7,713 $2,220 $2,220
State Farm $843 $843 $843 $843 $2,322 $2,322 $843 $843
Travelers $2,862 $2,862 $2,537 $2,537 $5,891 $5,891 $3,180 $3,180
USAA $1,259 $1,259 $1,240 $1,240 $2,918 $2,918 $1,389 $1,389

Cheap Needham, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Needham, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,360 $7,360
GEICO $4,898 $4,898
Liberty Mutual $8,226 $8,226
Progressive $7,713 $7,713
State Farm $2,322 $2,322
Travelers $5,891 $5,891
USAA $2,918 $2,918

Cheap Needham, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Needham, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,072
GEICO $1,586 $1,586
Liberty Mutual $2,181 $2,181
Progressive $1,962 $1,962
State Farm $843 $843
Travelers $2,537 $2,537
USAA $1,240 $1,240

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

Annual Needham, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,680 $3,980 $4,484 $2,680
GEICO $1,996 $2,742 $3,133 $2,105
Liberty Mutual $3,062 $4,174 $5,027 $3,267
Progressive $2,934 $4,122 $3,272 $3,613
State Farm $961 $1,306 $1,554 $1,029
Travelers $2,816 $3,902 $4,178 $3,576
USAA $1,214 $1,574 $2,661 $1,357

Cheap Needham, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Needham, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,484
GEICO $3,133
Liberty Mutual $5,027
Progressive $3,272
State Farm $1,554
Travelers $4,178
USAA $2,661

Cheap Needham, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Needham, Massachusetts

ZIP Code Average Annual Rates
2492 $2,836

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Cheap Needham, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Needham, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,345 $3,567
GEICO $2,451 $2,537
Liberty Mutual $3,729 $4,036
Progressive $3,485 $3,485
State Farm $1,184 $1,241
Travelers $3,448 $3,787
USAA $1,655 $1,748

Cheap Needham, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Needham, Massachusetts

Insurance Company Low Medium High
Allstate $3,204 $3,513 $3,651
GEICO $2,296 $2,542 $2,644
Liberty Mutual $3,635 $3,933 $4,079
Progressive $3,194 $3,560 $3,701
State Farm $1,104 $1,235 $1,299
Travelers $3,231 $3,701 $3,921
USAA $1,577 $1,730 $1,798

Best By Category: Cheapest Auto Insurance in Needham, Massachusetts

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

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

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

Average Annual Auto Insurance Rates by Company in Needham, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,456
GEICO $2,494
Liberty Mutual $3,882
Progressive $3,485
State Farm $1,213
Travelers $3,618
USAA $1,701

What affects auto insurance rates in Needham, Massachusetts?

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

Needham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Needham, Massachusetts commute length is 32.2 minutes according to City-Data.

Compare Needham, Massachusetts Auto Insurance Quotes

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