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.
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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 28, 2025
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Full Coverage in New Bedford MA
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Full Coverage in New Bedford MA
A.M. Best Rating
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768 reviewsCompany Facts
Full Coverage in New Bedford MA
A.M. Best Rating
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768 reviewsThe best New Bedford, MA auto insurance companies are Progressive, State Farm, and Amica, with starting rates for only $33/month.
This guide can help you find competitive auto insurance coverage options in New Bedford, including plans and potential discounts to lower your costs.
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 offers rates starting at just $33 monthly in New Bedford, MA
- Amica ranked 2nd for its dividend policies offered to New Bedford drivers
- State Farm provides the best customer service and agent assistance
#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.
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#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.
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#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.
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#8 – Nationwide: Best for Bundling Discounts
Pros
- Comprehensive Bundling Options: Its 20% discount offer is perfect for New Bedford locals 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: Being an expert made it easier to understand the needs of Massachusetts drivers, offering more personalized service.
- 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, premiums and discounts are limited, making it a drawback for drivers.
#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.
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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 | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 20% | 8% | 15% |
| 12% | 20% | 22% | 9% | 14% |
 | 15% | 15% | 22% | 10% | 18% |
| 10% | 20% | 20% | 8% | 15% |
| 10% | 18% | 20% | 8% | 14% |
| 12% | 20% | 22% | 10% | 14% |
 | 12% | 20% | 21% | 9% | 16% |
 | 15% | 25% | 20% | 10% | 17% |
| 10% | 18% | 19% | 8% | 13% |
| 10% | 20% | 20% | 8% | 13% |
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.
Auto Insurance Requirements in Massachusetts
In Massachusetts, drivers must carry specific levels of auto insurance to observe security and safety. One of the primary key requirements is bodily injury liability, which offers coverage of at least $20,000 per person and focuses on injuries caused to other people if you are at fault but does not cover passengers in your vehicle.
New Bedford, MA Auto Insurance Monthly Rates by Provider & Coverage Type
| Insurance Company | Collision Coverage | Comprehensive Coverage |
|---|---|---|
| $80 | $58 |
| $82 | $56 |
 | $78 | $54 |
| $75 | $50 |
| $85 | $57 |
| $84 | $59 |
| $90 | $60 |
| $85 | $55 |
| $88 | $62 |
| $86 | $61 |
Personal injury protection (PIP) is also mandatory, with a minimum of $8,000 per person. PIP covers expenses, passengers, and pedestrians, regardless of who caused the accident. Another critical component is uninsured motorist coverage, which requires at least $20,000 per person.
This type of protection falls under uninsured motorist coverage, one of the types of auto insurance coverage that ensures you and your passengers are safeguarded if you’re injured in an accident caused by an uninsured driver or a hit-and-run incident.
Massachusetts Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $20,000 / $40,000 |
| Property Damage Liability | $5,000 |
| Personal Injury Protection (PIP) | $8,000 |
| Uninsured Motorist Coverage | $20,000 / $40,000 |
Property damage liability coverage is also required, amounting to $5,000 per accident. This coverage pays for damage you cause to another person’s property, such as their vehicle or other assets.
While these are the minimum legal requirements, drivers often purchase additional coverage, such as collision, comprehensive, or higher liability limits, for more excellent financial protection.
Top Factors Affecting Car Insurance Cost 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
Your ZIP code or where you live can significantly affect the cost of insurance you pay and your car insurance discounts. See below details for your reference.
New Bedford, MA Auto Insurance by ZIP Code
| City | ZIP Code | Monthly Rates |
|---|---|---|
| New Bedford, MA | 02740 | $135 |
| New Bedford, MA | 02741 | $140 |
| New Bedford, MA | 02742 | $138 |
| New Bedford, MA | 02744 | $145 |
| New Bedford, MA | 02745 | $130 |
Regional factors in your area, such as crime rates, traffic density, and property values, can affect your insurance rates. For example, higher crime rates could lead to higher rates since theft and vandalism risk is greater, while traffic density raises your accident risk.
Automotive Accidents
New Bedford, Massachusetts, stands out for having a lower accident rate than most similar-sized U.S. cities, thanks partly to efforts to manage high-risk drivers.
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.
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
Massachusetts not factoring in credit scores can be both an advantage and a drawback. For those with poor credit, it’s a relief—they won’t face the sky-high insurance rates ordinary in states where credit scores heavily impact premiums.
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.
Car insurance companies often use your age as a significant factor that affect your car insurance premium, and reason to charge older drivers less – and young drivers 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.
It is essential to remember that taking extra precautions and selecting the right insurance coverage can help protect you from unexpected expenses, especially if you drive a car more prone to accidents, theft, or vandalism.
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.
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Final Thoughts: Finding the Best Auto Insurance in New Bedford, MA
To wrap it up, if you want to save big and look for the best and most affordable auto insurance in New Bedford, Massachusetts, companies like Progressive, State Farm, and Amica stand out for their cheap rates, excellent customer service, and coverage options, with competitive rates beginning at $33 per month.
For the best deal, compare quotes based on your unique needs and start saving today. Don’t forget to check out our ultimate road safety guide to ensure you are fully protected on the road. Enter your ZIP code now to begin.
Frequently Asked Questions
What are the top reliable auto insurance providers in New Bedford, MA?
The best auto insurance providers in New Bedford, MA, with premiums starting at $33 per month are Progressive, State Farm, and Amica.
What’s the best option for affordable car insurance in New Bedford, 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.
How can I explore affordable auto insurance in Bedford, MA?
You can explore affordable auto insurance in Bedford, MA, by comparing quotes online or contacting local agents to find the cheapest rates and coverage options, including 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.
How to look for 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 see their differences.
What are other options for reliable automobile liability coverage?
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?
You can secure the best and cheapest car insurance rates in New Bedford, by comparing quotes, getting discounts, driving safely, and increasing deductibles.