Compare Charlestown, MA Car Insurance Rates (2021)

Car insurance in Charlestown, MA averages $352 a month. Charlestown, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Charlestown car insurance rates, compare quotes from the top car insurance companies in Charlestown, MA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Charlestown, MA after a DUI are $5,254/year
  • The cheapest car insurance company in Charlestown is State Farm
  • The cheapest car insurance company in Charlestown for teen drivers is State Farm

If you need to buy Charlestown, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Charlestown, MA is right here.

You’ll find Charlestown car insurance rates, the cheapest Charlestown, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Charlestown, Massachusetts car insurance rates to Quincy car insurance rates, Springfield car insurance rates, and Brockton car insurance rates.

Ready to find affordable Charlestown, MA car insurance today? Enter your ZIP code for fast, free Charlestown car insurance quotes.

Cheapest Charlestown, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charlestown, MA car insurance rates? Every Charlestown, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlestown, 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 $3,747 $3,747 $3,747 $3,747 $8,193 $8,193 $4,201 $4,201
GEICO $2,753 $2,753 $2,536 $2,536 $5,288 $5,288 $2,872 $2,872
Liberty Mutual $4,920 $4,920 $4,282 $4,282 $10,040 $10,040 $5,149 $5,149
Progressive $2,878 $2,878 $2,757 $2,757 $10,981 $10,981 $3,116 $3,116
State Farm $1,620 $1,620 $1,620 $1,620 $3,160 $3,160 $1,620 $1,620
Travelers $3,885 $3,885 $3,402 $3,402 $8,061 $8,061 $4,326 $4,326
USAA $2,434 $2,434 $2,392 $2,392 $5,704 $5,704 $2,703 $2,703

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Minimum Car Insurance in Charlestown, MA

Every driver must carry the minimum car insurance in Charlestown, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car Insurance Coverage in Charlestown, 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

Cheapest Charlestown, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlestown, MA to rates for a clean record with top companies.

Annual Charlestown, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,783 $5,791 $6,529 $3,783
GEICO $2,676 $3,703 $4,215 $2,855
Liberty Mutual $4,756 $6,593 $7,899 $5,144
Progressive $4,131 $5,852 $4,632 $5,116
State Farm $1,574 $2,167 $2,578 $1,702
Travelers $3,803 $5,315 $5,689 $4,868
USAA $2,336 $3,040 $5,234 $2,623

Cheapest Charlestown, MA Car Insurance for Teen Drivers

Teen car insurance in Charlestown, MA can be expensive. Take a look at rates from the top car insurance companies in Charlestown for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charlestown, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,193 $8,193
GEICO $5,288 $5,288
Liberty Mutual $10,040 $10,040
Progressive $10,981 $10,981
State Farm $3,160 $3,160
Travelers $8,061 $8,061
USAA $5,704 $5,704

Cheapest Charlestown, MA Car Insurance for Seniors

Take a look at Charlestown, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charlestown, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,747 $3,747
GEICO $2,536 $2,536
Liberty Mutual $4,282 $4,282
Progressive $2,757 $2,757
State Farm $1,620 $1,620
Travelers $3,402 $3,402
USAA $2,392 $2,392

Cheapest Charlestown, MA Car Insurance Rates After a DUI

A DUI in Charlestown, MA increases car insurance rates. Compare Charlestown, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlestown, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,529
GEICO $4,215
Liberty Mutual $7,899
Progressive $4,632
State Farm $2,578
Travelers $5,689
USAA $5,234

Cheapest Charlestown, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charlestown, MA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charlestown, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,817 $5,126
GEICO $3,311 $3,414
Liberty Mutual $5,871 $6,325
Progressive $4,933 $4,933
State Farm $1,959 $2,051
Travelers $4,678 $5,160
USAA $3,215 $3,402

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The Best Cheap Car Insurance Companies in Charlestown, MA

Take a look at a side-by-side comparison of the top car insurance companies in Charlestown, MA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charlestown, Massachusetts

Insurance Company Average Annual Rates
Allstate $4,972
GEICO $3,362
Liberty Mutual $6,098
Progressive $4,933
State Farm $2,005
Travelers $4,919
USAA $3,308

Category Winners: Cheapest Car Insurance in Charlestown, Massachusetts

Find the cheapest car insurance companies in Charlestown, MA for each category right here.

Best Annual Car Insurance Rates by Company in Charlestown, 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

Cheapest Charlestown, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charlestown car insurance rates. Find the cheapest Charlestown, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlestown, Massachusetts

Insurance Company Low Medium High
Allstate $4,629 $5,039 $5,247
GEICO $3,090 $3,422 $3,575
Liberty Mutual $5,703 $6,178 $6,412
Progressive $4,510 $5,019 $5,270
State Farm $1,833 $2,036 $2,146
Travelers $4,446 $5,015 $5,295
USAA $3,090 $3,358 $3,478

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Compare Car Insurance Quotes in Charlestown, MA

Ready to find affordable Charlestown, Massachusetts car insurance today? Enter your ZIP code for fast, free Charlestown, MA car insurance quotes.

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