Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Wareham for teen drivers is State Farm
  • Average car insurance rates in Wareham, MA for senior drivers are $2,076/year
  • The cheapest car insurance company in Wareham after a DUI is State Farm

Average car insurance rates in Wareham, Massachusetts are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Wareham, MA. Before you buy Wareham, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.

It may even be helpful to compare Wareham car insurance rates with Springfield car insurance rates, Brockton car insurance rates, or Fall River car insurance rates to make sure you’re getting the best Wareham, MA car insurance quotes available.

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

Wareham, MA Minimum Car Insurance Coverage

Wareham, 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 Wareham, 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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Wareham, MA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Wareham, Massachusetts

Insurance Company Low Medium High
Allstate $3,573 $3,920 $4,094
GEICO $2,813 $3,113 $3,247
Liberty Mutual $4,436 $4,814 $5,003
Progressive $3,761 $4,192 $4,393
State Farm $1,368 $1,530 $1,612
Travelers $3,302 $3,785 $4,034
USAA $1,929 $2,116 $2,200

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wareham, 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 $2,358 $2,358 $2,358 $2,358 $8,086 $8,086 $2,645 $2,645
GEICO $2,131 $2,131 $1,978 $1,978 $5,924 $5,924 $2,197 $2,197
Liberty Mutual $3,102 $3,102 $2,701 $2,701 $9,956 $9,956 $3,244 $3,244
Progressive $2,420 $2,420 $2,319 $2,319 $9,108 $9,108 $2,616 $2,616
State Farm $1,058 $1,058 $1,058 $1,058 $2,839 $2,839 $1,058 $1,058
Travelers $2,952 $2,952 $2,608 $2,608 $6,005 $6,005 $3,264 $3,264
USAA $1,531 $1,531 $1,508 $1,508 $3,596 $3,596 $1,692 $1,692

Wareham, MA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Wareham, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,086 $8,086
GEICO $5,924 $5,924
Liberty Mutual $9,956 $9,956
Progressive $9,108 $9,108
State Farm $2,839 $2,839
Travelers $6,005 $6,005
USAA $3,596 $3,596

Wareham, MA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Wareham, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,358 $2,358
GEICO $1,978 $1,978
Liberty Mutual $2,701 $2,701
Progressive $2,319 $2,319
State Farm $1,058 $1,058
Travelers $2,608 $2,608
USAA $1,508 $1,508

Wareham, MA Car Insurance Rates by Driver History

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

Annual Wareham, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,991 $4,454 $5,012 $2,991
GEICO $2,443 $3,368 $3,842 $2,578
Liberty Mutual $3,744 $5,114 $6,146 $3,999
Progressive $3,455 $4,875 $3,865 $4,268
State Farm $1,188 $1,622 $1,931 $1,274
Travelers $2,886 $3,986 $4,300 $3,657
USAA $1,479 $1,924 $3,268 $1,655

Wareham, MA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Wareham, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,012
GEICO $3,842
Liberty Mutual $6,146
Progressive $3,865
State Farm $1,931
Travelers $4,300
USAA $3,268

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Wareham, MA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Wareham, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,739 $3,986
GEICO $3,001 $3,114
Liberty Mutual $4,564 $4,937
Progressive $4,116 $4,116
State Farm $1,468 $1,539
Travelers $3,530 $3,884
USAA $2,024 $2,139

Wareham, MA Cheapest Car Insurance Rates

How do the top Wareham, Massachusetts car insurance companies’ average rates stack up against the Wareham average monthly car insurance rates of $275? Take a look and see.

Best Annual Car Insurance Rates by Company in Wareham, 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

Wareham, MA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Wareham, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,862
GEICO $3,058
Liberty Mutual $4,751
Progressive $4,116
State Farm $1,504
Travelers $3,707
USAA $2,082

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Other Factors Affecting Wareham, MA Car Insurance Rates

Before you buy Wareham, Massachusetts car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Wareham, MA Commute Time

How does your Wareham, MA commute time compare with the average driver? In Wareham, the average commute is 27.7 minutes.

Wareham, MA Car Insurance Quotes

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