A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Dorchester after a DUI is State Farm
  • The cheapest car insurance company in Dorchester for teen drivers is State Farm
  • Average car insurance rates in Dorchester, MA for senior drivers are $3,657/year

Average car insurance rates in Dorchester, Massachusetts are $436 a month. But with a little research you can get a great deal from the top car insurance companies in Dorchester, MA. Before you buy Dorchester, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.

It may even be helpful to compare Dorchester car insurance rates with Lynn car insurance rates, Fall River car insurance rates, or New Bedford car insurance rates to make sure you’re getting the best Dorchester, MA car insurance quotes available.

Need affordable Dorchester, MA car insurance? Enter your ZIP code to compare Dorchester car insurance quotes from multiple car insurance companies near you.

Dorchester, MA Minimum Car Insurance Coverage

Dorchester, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Dorchester, 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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Dorchester, MA Car Insurance Rates by Coverage Level

Some Dorchester drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your Dorchester, Massachusetts car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Dorchester, Massachusetts

Insurance Company Low Medium High
Allstate $5,539 $6,114 $6,419
GEICO $4,368 $4,813 $5,027
Liberty Mutual $6,808 $7,391 $7,677
Progressive $6,902 $7,676 $8,099
State Farm $1,872 $2,089 $2,204
Travelers $4,968 $5,625 $5,967
USAA $3,205 $3,487 $3,614

Dorchester, MA Car Insurance Rates by Age, Gender, and Marital Status

Dorchester, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Dorchester, MA car insurance, get quotes from multiple car insurance companies in the Dorchester area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dorchester, 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 $4,538 $4,538 $4,538 $4,538 $9,935 $9,935 $5,085 $5,085
GEICO $3,944 $3,944 $3,687 $3,687 $7,220 $7,220 $4,092 $4,092
Liberty Mutual $5,948 $5,948 $5,175 $5,175 $11,820 $11,820 $6,226 $6,226
Progressive $4,413 $4,413 $4,225 $4,225 $16,840 $16,840 $4,758 $4,758
State Farm $1,667 $1,667 $1,667 $1,667 $3,220 $3,220 $1,667 $1,667
Travelers $4,364 $4,364 $3,816 $3,816 $9,057 $9,057 $4,842 $4,842
USAA $2,534 $2,534 $2,488 $2,488 $5,909 $5,909 $2,811 $2,811

Dorchester, MA Car Insurance Rates for Teens

How much is Dorchester, Massachusetts car insurance for teens? Compare rates from top Dorchester car insurance companies below to help find the cheapest teen car insurance in Dorchester, MA.

Annual Car Insurance Rates for Teen Drivers in Dorchester, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,935 $9,935
GEICO $7,220 $7,220
Liberty Mutual $11,820 $11,820
Progressive $16,840 $16,840
State Farm $3,220 $3,220
Travelers $9,057 $9,057
USAA $5,909 $5,909

Dorchester, MA Car Insurance Rates for Seniors

Before seniors buy Dorchester, Massachusetts car insurance, they should make sure to shop around. Some Dorchester, MA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Dorchester, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,538 $4,538
GEICO $3,687 $3,687
Liberty Mutual $5,175 $5,175
Progressive $4,225 $4,225
State Farm $1,667 $1,667
Travelers $3,816 $3,816
USAA $2,488 $2,488

Dorchester, MA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Dorchester, Massachusetts car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Dorchester.

Annual Dorchester, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,568 $7,047 $7,913 $4,568
GEICO $3,724 $5,244 $5,994 $3,981
Liberty Mutual $5,705 $7,884 $9,413 $6,167
Progressive $6,309 $8,989 $7,090 $7,848
State Farm $1,608 $2,224 $2,647 $1,741
Travelers $4,252 $5,957 $6,416 $5,455
USAA $2,425 $3,153 $5,440 $2,725

Dorchester, MA Car Insurance Rates With a DUI

Even a single DUI can increase your Dorchester, MA car insurance rates. Compare rates below to see which Dorchester car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Dorchester, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,913
GEICO $5,994
Liberty Mutual $9,413
Progressive $7,090
State Farm $2,647
Travelers $6,416
USAA $5,440

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Dorchester, MA Car Insurance Rates by ZIP Code

Just like Dorchester car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Dorchester, MA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Dorchester, Massachusetts

ZIP Code Average Annual Rates
2121 $5,307
2122 $5,194
2125 $5,194

Dorchester, MA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Dorchester, MA car insurance rates may be. Let’s take a look at average car insurance rates from top Dorchester companies based on commute time.

Annual Car Insurance Rates by Commute Length in Dorchester, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,827 $6,221
GEICO $4,655 $4,817
Liberty Mutual $7,023 $7,561
Progressive $7,559 $7,559
State Farm $2,008 $2,102
Travelers $5,244 $5,796
USAA $3,338 $3,533

Dorchester, MA Cheapest Car Insurance Rates

How do the top Dorchester, Massachusetts car insurance companies’ average rates stack up against the Dorchester average monthly car insurance rates of $436? Take a look and see.

Best Annual Car Insurance Rates by Company in Dorchester, 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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Dorchester, MA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Dorchester, Massachusetts car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Dorchester, Massachusetts

Insurance Company Average Annual Rates
Allstate $6,024
GEICO $4,736
Liberty Mutual $7,292
Progressive $7,559
State Farm $2,055
Travelers $5,520
USAA $3,436

Dorchester, MA Car Insurance Quotes

Compare Dorchester, MA car insurance quotes from multiple companies by entering your ZIP code now.