New Bedford, MA Car Insurance

Car insurance costs an average of $152 each month in New Bedford. Paying too much? Enter your ZIP to compare rates.

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What is the average cost of car insurance in New Bedford?


The average car insurance rate in New Bedford, Massachusetts, is $1,833 per year. That's more than the average rate in Massachusetts ($1,463) and more expensive than the U.S. average of $1,548. Our guide to New Bedford auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more.


AUTO INSURANCE COSTS: NEW BEDFORD VS. STATE AND U.S. AVERAGES
New Bedford Average (annual)Massachusetts AverageU.S. Average
$1,833$1,463$1,548

Table of contents:

New Bedford car insurance rates by insurer


The difference in auto insurance rates from company to company can be substantial. In New Bedford, Plymouth Rock provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in New Bedford. Remember to get car insurance quotes based on your driving profile.


NEW BEDFORD CAR INSURANCE PREMIUMS BY COMPANY
InsurerAverage Annual Rate
Plymouth Rock$1,331
Safety$1,358
GEICO$1,397
Arbella$1,740
MetLife$2,015

Check out our guide to learn how to find the best cheap car insurance.



New Bedford auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in New Bedford are drivers in their 60s, who pay an average of $1,554 per year. Those in their 50s don't pay much more ($1,631).

Young drivers aged 16 to 19 pay the most for car insurance in New Bedford. One of the easiest ways to lower your car insurance rates as a driver in New Bedford is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in New Bedford is $3,523, the largest such difference between any two age groups.


NEW BEDFORD CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$5,854
20s$2,331
30s$1,783
40s$1,717
50s$1,631
60s$1,554
70s$1,639

Find out more about how age can change car insurance costs.



New Bedford auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In New Bedford, married drivers pay $7 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.

Gender is yet another factor that can affect auto insurance premiums.


NEW BEDFORD CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$1,833
Male$1,833
Single$1,833
Married$1,826
Divorced$1,826
Widowed$1,826

Discover more about how gender and marital status have on auto insurance rates.



New Bedford car insurance costs by incident history


Sustaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a hike in your insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In New Bedford, a reckless driving citation results in an average insurance rate increase of $1,589 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,447 increase, and a speeding ticket leads to a $569 rate hike.


AVERAGE NEW BEDFORD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DUI/DWI$3,280
Reckless Driving$3,422
At-fault Accident (damages less than $1,000)$2,215
At-fault Accident (damages greater than $2,000)$3,099
Speeding Ticket (16-20 mph over speed limit)$2,402

Learn more about how citations can raise your auto insurance rates.



New Bedford auto insurance rates by credit tier


Massachusetts is one of several U.S. states that does not allow insurance companies to use credit as a rating factor.


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