Best New Bedford, MA Auto Insurance in 2025 (Review the Top 10 Companies Here)
Progressive, State Farm, and Amica are the best New Bedford, MA auto insurance companies, with rates for only $33/mo. Progressive's 10% snapshot discount positions them as our best pick, while State Farm is top for local agents. See how providers like Amica can help New Bedford locals through dividend policies.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jan 20, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
13,128 reviewsCompany Facts
Full Coverage in New Bedford MA
A.M. Best Rating
Complaint Level
13,128 reviews
17,760 reviewsCompany Facts
Full Coverage in New Bedford MA
A.M. Best Rating
Complaint Level
17,760 reviews
768 reviewsCompany Facts
Full Coverage in New Bedford MA
A.M. Best Rating
Complaint Level
768 reviewsThe best New Bedford, MA auto insurance companies are Progressive, State Farm, and Amica, with starting rates for only $33/month. These companies stand out for their affordability, diverse coverage options, and consistently excellent customer service.
The highlighted policies offer maximum value, ranging from essential to extensive coverage. This guide can assist you in discovering competitive options, auto insurance coverage options, potentially with discounts, in New Bedford.
Our Top 10 Company Picks: Best New Bedford, MA Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Snapshot Discounts | Progressive |
 | #2 | 17% | B | Local Agent | State Farm |
 | #3 | 30% | A+ | Dividend Policies | Amica |
 | #4 | 13% | A++ | User-Friendly App | Travelers |
 | #5 | 25% | A | Bundling Discounts | Liberty Mutual |
 | #6 | 25% | A+ | Local Discounts | Allstate |
 | #7 | 25% | A++ | Competitive Rates | Geico |
 | #8 | 20% | A+ | Bundling Discounts | Nationwide |
 | #9 | 20% | A | Customer Service | Mapfre |
 | #10 | 5% | A+ | AARP Member | The Hartford |
Begin saving on car insurance by entering your ZIP code to compare New Bedford, Massachusetts rates.
- Progressive, State Farm, and Amica are the best car insurance in New Bedford, MA
- Leading providers like State Farm and Amica offers big discounts
- Progressive offers rates starting at just $33 monthly in New Bedford, MA
#1 – Progressive: Top Overall Pick
Pros
- Budget-Friendly Premiums: Progressive’s low-cost insurance stands out for drivers in New Bedford, with minimum coverage starting at $33 per month.
- Various Discounts: The extensive saving options of Progressive are perfect for Massachusetts drivers looking for coverage.
- Digital Tools Advancement: Mobile app streamlines handling claims catering to busy local drivers. Read our Progressive auto insurance review to see more.
Cons
- Limited Agent Presence: Residents of New Bedford who prefer face-to-face interactions might find it a drawback.
- Driver Costs Higher Risk: Drivers with a history of accidents may find more budget-friendly options in the Massachusetts insurance market.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – State Farm: Best for Local Agent
Pros
- Personalized Service: The network of agents provides a local approach as an option for those wanting personal support in New Bedford.
- Discounts for Youth: Massachusetts families with young drivers benefit from discounts for better grades and education programs.
- Smooth Claims Process: Satisfaction of high customers with claims resolution adds to its reputation as a good choice in the area.
Cons
- Expensive Rates: Driving enthusiasts without perfect records may pay higher than the usual amount in the New Bedford market. Learn more with our State Farm auto insurance review.
- Helpful Online Tools: Digital resources may not be enough for drivers accustomed to the seamless online experiences competitors offer.
#3 – Amica: Best for Dividend Policies
Pros
- Dividend Refunds: Policyholders in Massachusetts may receive a portion of their annual premium back as a refund.
- High Satisfaction Ratings: Outstanding customer service based on the most recent JD Power claims survey makes it a trusted option for New Bedford locals.
- Comprehensive Coverage: This is ideal for Massachusetts residents who want add-ons like roadside assistance to enhance roads.
Cons
- Higher Premiums: High initial cost is not ideal for New Bedford drivers seeking affordability.
- Uncertain Dividends: Refunds depend on the performance of the company. Read more of our Amica auto insurance review.
#4 – Travelers: Best for User-Friendly App
Pros
- Mobile App Innovation: The application makes it easier for Massachusetts drivers to handle policies and file claims.
- Diverse Add-Ons: Editable options like gap insurance and accident forgiveness meet the unique needs of New Bedford drivers.
- Bundling Benefits: This is ideal for New Bedford, MA, people who save through home and auto policies. Our Travelers auto insurance review provides more details.
Cons
- Claims Issues: The claims process may fall short of the expectations of drivers looking for reliable service in the area.
- Limited Discounts: Compared to others, only a few saving chances can be avail by Massachusetts drivers.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Liberty Mutual: Best for Bundling Discounts
Pros
- Savings for Multi-Policy: Good for households of New Bedford looking for ways to save money.
- Editable Policies: Offers tailored coverage options to suit various needs of drivers in Massachusetts.
- Unique Perks: Features like new car replacement adds appeal to Massachusetts drivers. Explore further details in our Liberty Mutual auto insurance review.
Cons
- Cost Without Bundles: Premiums can be steep for drivers in New Bedford who does not combine policies.
- Regional Variability: The different quality of customer service might frustrate drivers relying on consistent support.
#6 – Allstate: Best for Local Discounts
Pros
- Savings for Local-Specific: Safe neighborhood discounts and vehicle safety features align well with New Bedford residents.
- Smart Driving Tools: Drivewise, a feature appreciated by drivers in Massachusetts, is considered a safe driving habit.
- Accident Forgiveness: It helps local drivers maintain lower premiums after an accident to benefit the New Bedford insurance market.
Cons
- Higher Premiums: The rates is too much for drivers seeking budget-friendly policies in New Bedford. Explore this further in our Allstate auto insurance review.
- Privacy Concerns: Drivers in Massachusetts may find some tools intrusive, which impacts the goodness of the service.
#7 – Geico: Best for Competitive Rates
Pros
- Rates for Low Base: Favorite of budget-conscious New Bedford drivers with clean records for affordability.
- Special Discounts: Big discounts for military, federal employees, and multi-policy holders are beneficial for Massachusetts locals.
- Streamlined Experience: The process of online quotes saves time for drivers in New Bedford looking for quick comparisons.
Cons
- Agent Accessibility: The limited presence of local agents may not look ideal for New Bedford drivers who value service.
- Gap Coverage Limitations: Specialty coverage options might be limited to some Massachusetts drivers. For further details, check this Geico auto insurance review.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Nationwide: Best for Bundling Discounts
Pros
- Comprehensive Bundling Options: Perfect for locals of New Bedford finding home and auto insurance.
- Vanishing Deductible: Massachusetts drivers are being rewarded by the unique program to reduce deductibles.
- Strong Brand Identity: The strong brand identity of Nationwide makes it a trusted option for New Bedford drivers.
Cons
- Increasing Base Rates: Disqualified drivers for discounts may find it cheaper than other options in the area. See more through our Nationwide auto insurance review.
- Limited Local Agents: Smaller agent networks may lessen appeal for drivers looking for in-person services in the area.
#9 – Mapfre: Best for Customer Service
Pros
- Local Expertise: Understanding the needs of Massachusetts made it the best option for personalized service in New Bedford.
- Amazing Claims Support: Ideal for prioritizing fast and reliable claims for local drivers.
- Massachusetts Policies: Offers tailored coverage for the needs of New Bedford residents.
Cons
- New Drivers Premiums: Higher rates for experienced locals. Know more by reading our article entitled “Auto Insurance Types“.
- Limited Premiums: In comparison to others, discounts are limited.
#10 – The Hartford: Best for AARP Member
Pros
- Benefits Focusing Seniors: Designed specifically for New Bedford’s drivers with lifetime renewability perks.
- Comprehensive Discounts: Beneficial for AARP members in Massachusetts. Find details through our The Hartford auto insurance review.
- Roadside Assistance: Provides roadside services as an attractive feature for local drivers.
Cons
- Age-Restricted Policies: New Bedford young drivers are ineligible, which limits its market to drivers.
- Various Premiums: Rates can fluctuate depending on claims that seek availability for the long term.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Cost of Car Insurance in New Bedford, MA
To understand the average cost of car insurance, meet the requirements, and financially protect yourself, finding the best New Bedford, MA, auto insurance is essential.
Liability insurance ensures financial responsibility by covering damages you might cause if you cannot drive responsibly.
New Bedford, MA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $42 | $117 |
| $34 | $100 |
| $33 | $95 |
| $40 | $115 |
| $37 | $104 |
| $35 | $99 |
| $36 | $102 |
| $38 | $108 |
| $41 | $113 |
| $39 | $111 |
Many drivers, however, choose to purchase more than the minimum liability coverage. This is because, in an accident where you are at fault, any damages or medical expenses exceeding your policy’s limit must be covered out of pocket.
Auto Insurance Discounts From the Top Providers in New Bedford, MA
| Insurance Company | Available Discounts |
|---|---|
| Milewise Program, New Car Discount, Safe Driver Discount, Early Signing Discount |
| Multi-Policy Discount, Home Security System Discount, e-Policy Discount, Good Student Discount |
| Good Student Discount, Emergency Deployment Discount, Anti-Theft Device Discount, Multi-Car Discount |
| Accident-Free Discount, New Car Discount, Early Quote Discount, Homeowner Discount |
| Multi-Policy Discount, Good Driver Discount, Claims-Free Discount, Vehicle Safety Feature Discount |
| SmartRide Discount, Homeowner Discount, Family Plan Discount, Defensive Driving Course Discount |
| Snapshot Discount, Homeowner Discount, Paperless Discount, Safe Driver Discount |
| Steer Clear Discount, Vehicle Safety Feature Discount, Rideshare Driver Discount, Good Driving Record Discount |
| Multi-Vehicle Discount, AARP Member Discount, Defensive Driving Course Discount, Bundled Insurance Discount |
| Vehicle Safety Features Discount, Early Quote Discount, Homeowner Discount, Continuous Insurance Discount |
In New Bedford, MA, companies such as Tetrault Insurance, Quincy Mutual, and Commerce Insurance offer competitive auto insurance coverage rates. You can take several steps now or soon to achieve this, and we’ll guide you through them. Enter your ZIP code now.
Factors Affecting Cheap Car Insurance in New Bedford, MA
Below are the significant factors to be considered when analyzing a policy. Read more to learn what differs from those of your insurance companies.
Your ZIP Code
If you are one of the 95,035 people who live in New Bedford today, we hope you are making equal to or above the average monthly salary of $3,520.
New Bedford, MA Auto Insurance by ZIP Code
| City | ZIP Code | Monthly Rates |
|---|---|---|
| New Bedford, MA | 2740 | $135 |
| New Bedford, MA | 2741 | $140 |
| New Bedford, MA | 2742 | $138 |
| New Bedford, MA | 2744 | $145 |
| New Bedford, MA | 2745 | $130 |
Total property values, as well as the population in any given area, will give your insurance provider the information they need to determine how much more likely you are to get into an accident or become a victim of vehicle vandalism/theft compared to people in other areas.
Automotive Accidents
As an impressive distinction for New Bedford, Massachusetts, the probability of being involved in an accident is significantly lower compared to most cities of a similar size across the United States.
Fatal Accidents in New Bedford, MA
| Year | Number of Fatal Crashes | Number of Fatalities |
|---|---|---|
| 2018 | 12 | 14 |
| 2019 | 10 | 12 |
| 2020 | 15 | 18 |
| 2021 | 13 | 16 |
| 2022 | 14 | 17 |
Oddly, you are already getting a much better deal on your monthly insurance premiums than other Massachusetts drivers. However, if you have been in an accident recently, this may not help you (but more on that in a minute).
Auto Thefts in New Bedford
It may sound scary that 274 vehicles were stolen in New Bedford last year. But this is merely an all-time low for the city. The fact that auto thefts are decreasing could give you an advantage when getting a better premium deal.
Massachusetts Minimum Auto Insurance Coverage Requirements & Limits
| Coverage | Requirements |
|---|---|
| Bodily Injury Liability | $20,000 per person / $40,000 per accident |
| Property Damage Liability | $5,000 per accident |
| Personal Injury Protection (PIP) | $8,000 per person for medical expenses and lost wages |
| Uninsured Motorist Coverage | $20,000 per person / $40,000 per accident |
But you may still want to install a passive anti-theft device on your vehicle if you haven’t done so already for a minor discount.
Your Credit Score
The fact that Massachusetts doesn’t consider credit scores is a double-edged sword. For people with poor credit, this means they won’t necessarily have to pay the exorbitant rates they would if they lived in a state where credit scores mattered more.
New Bedford, MA Auto Insurance by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $118 | $143 | $178 |
| $122 | $147 | $182 |
 | $116 | $141 | $176 |
 | $115 | $140 | $175 |
| $120 | $145 | $180 |
| $120 | $145 | $180 |
 | $125 | $150 | $185 |
 | $120 | $145 | $180 |
| $128 | $153 | $188 |
| $125 | $150 | $185 |
But this also means that insurance companies will charge higher rates to everyone, including drivers with good or excellent credit.
Your Age
The older you are and the more experience you have behind the wheel, the less likely you will get into an accident.
This is such a ubiquitous truth that car insurance companies use it as a reason to charge older drivers less – and young drivers much, much more.
New Bedford, MA Auto Insurance Monthly Rates by Age and Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $375 | $415 | $150 | $160 | $118 | $128 | $98 | $103 |
| $380 | $420 | $150 | $160 | $120 | $130 | $100 | $105 |
| $365 | $405 | $148 | $158 | $118 | $128 | $98 | $103 |
| $380 | $420 | $145 | $155 | $115 | $125 | $95 | $100 |
| $385 | $425 | $152 | $162 | $120 | $130 | $100 | $105 |
| $370 | $410 | $155 | $165 | $125 | $135 | $105 | $110 |
| $390 | $430 | $155 | $165 | $125 | $135 | $105 | $110 |
| $370 | $410 | $150 | $160 | $120 | $130 | $100 | $105 |
| $395 | $435 | $160 | $170 | $130 | $140 | $110 | $115 |
| $385 | $425 | $158 | $168 | $128 | $138 | $108 | $113 |
If you’re under 25 and having trouble paying for auto insurance, showing proof of good grades can help you get a moderate discount. So can taking a driver’s education course.
Your Driving Record
If you’ve had any tickets or accidents within the last three, four, or five years – especially if claims were filed due to any of that activity – your insurance company will likely charge you a higher premium from the start.
New Bedford, MA Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $118 | $133 | $158 | $195 |
| $122 | $137 | $162 | $200 |
| $116 | $131 | $156 | $195 |
| $115 | $130 | $155 | $190 |
| $120 | $135 | $160 | $200 |
| $120 | $135 | $160 | $200 |
| $125 | $140 | $165 | $210 |
| $120 | $135 | $160 | $200 |
| $128 | $143 | $168 | $215 |
| $125 | $140 | $165 | $210 |
They may also raise your New Bedford, MA, auto insurance rates at any point if you go from a clean or minimally tarnished record to a dirtier record by accumulating tickets and accidents.
The best thing you can do is wait until those incidents are no longer in your recent history. You can also ask about defensive driving courses and any other proactive steps you can take to minimize this strike against you.
Your Vehicle
Are you driving an expensive, luxury vehicle? Or are you driving something that makes a statement, like a Hummer or a fancy sports car?
New Bedford, MA Auto Insurance by Make & Model
| Make and Model | Monthly Rates |
|---|---|
| BMW 3 Series | $145 |
| Chevrolet Malibu | $120 |
| Ford Escape | $125 |
| Ford F-150 | $125 |
| Honda Accord | $120 |
| Honda Civic | $115 |
| Mazda 3 | $115 |
| Nissan Altima | $118 |
| Toyota Camry | $120 |
| Toyota Corolla | $110 |
Well, the more expensive your vehicle is, the more it will cost you to carry the appropriate amount and type of coverage.
This is especially true if you drive a car that is more likely to get into an accident, be stolen, or be vandalized somehow.
Chris Abrams Licensed Insurance Agent
That’s why we like to provide factual information like the average auto insurance cost for drivers like you to get better deal easily. So pay close attention to the section, and take notes if you have to.
Conducting our New Bedford, Massachusetts Car Insurance Analysis
To find the best New Bedford, MA auto insurance, we calculated our average insurance rate using specific criteria: a married, 34-year-old male with good credit, a 12-month history of having auto insurance, a clean driving record, and home ownership.
The annual mileage was based on the national average and factors affecting car insurance premiums. We also considered the average rate for a financed 2015 Honda Accord equipped with a pre-installed anti-theft device. Enter your ZIP code now to begin.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Where to look for reliable auto insurance in New Bedford, MA?
You can find auto insurance in New Bedford, MA, with premiums starting at $33 per month from providers like Progressive, State Farm, and Amica.
What’s the best option for affordable car insurance in Brockton, MA?
Providers such as Arbella and Progressive offer affordable car insurance in Brockton, MA, with discounts for bundling and safe driving. Enter your ZIP code now to begin.
What is the best car insurance in New Bedford?
The best car insurance in New Bedford comes from Progressive, State Farm, and Amica, based on price, customer service, and coverage options, including comprehensive, collision, and liability auto insurance for legal and financial protection.
How do I find auto insurance services in New Bedford, MA?
Local agencies provide auto insurance services in New Bedford, MA, with competitive quotes tailored to residents at locations even in 4 Wright Street.
Which company offers the best car insurance rates in MA?
Companies like Arbella, Amica, and Progressive are known for offering the best car insurance rates in MA, depending on coverage and discounts. Enter your ZIP code now to start.
Can I get auto insurance quotes in Bedford, MA?
Yes, auto insurance quotes in Bedford, MA, can be easily obtained online or through local agents specializing in affordable auto insurance, including options like military auto insurance for active duty and veterans.
What is Bedford Grange Mutual Insurance Company?
Bedford Grange Mutual Insurance Company is a trusted regional provider offering affordable car insurance and tailored policies for Massachusetts drivers.
Where can I find cost-effective and reliable auto insurance in my area?
You can find auto insurance near me by comparing local providers like Arbella and Bedford Grange for competitive auto insurance deals. Enter your ZIP code now to begin comparing quotes.
What are other good options for car insurance?
Arbella car insurance is a popular choice in Massachusetts for reliable coverage, competitive rates, and strong options for automobile liability coverage, making it ideal for families seeking comprehensive protection.
How do I get the best car insurance rates in New Bedford?
Compare quotes from top providers like Amica and State Farm to secure the best car insurance rates in New Bedford.