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Get Cheap Car Insurance in Acton, MA

We monitor insurance prices, helping the average driver in Acton save up to 35.5% on car insurance.

 

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The Cheapest Minimum Coverage in Acton

The chart below shows the cheapest car insurance company in Acton for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.

 
Acton Insurer Monthly Cost
Safety Insurance $39
Geico $42
Midvale Home & Auto $49
Travelers $62

Savings for Every Kind of Acton Driver

The table shows how much the average auto insurance customer in Acton might save by following our recommendations.

Based on our extensive insurance data, we know the average Acton driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $532 per year by choosing the right vehicle insurance company. Some Acton residents are paying out over $1,557 extra every year for auto insurance in Acton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Acton, MA Savings / Yr.
Drivers with good records
$532
Drivers with accidents
$792
Drivers with speeding tickets
$659
Drivers with a DUI conviction
$874
Young drivers
$1,928
Married drivers
$0
Drivers with bad credit
$0

Acton Car Insurance vs. Massachusetts

People living in Acton pay an average of 0.26% more than the typical driver in the state. The average driver in Acton can expect to pay about $669 per year, or $1,557 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Acton for most people.

Car Insurance Prices by Acton Neighborhood

Acton, MA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Acton?

The map shows insurance prices in and around Acton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $146 per year within the city boundaries, with insurance premiums ranging from a high of $1,631 to a low of $1,485. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Acton.

Pick the Best Car Insurance Company for You in Acton

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Acton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Acton

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $532 over the average Acton car insurance company.

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We use the average good driver, paying $85 per month, as our baseline for pricing in Acton. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Acton drivers with accidents on their records

In Acton getting into an accident will raise premiums an average 32% for a yearly cost of $2,286. That's $729 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Safety Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $792 over the competition.

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The best car insurance company for Acton drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $659 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Acton, tickets raise premiums on new quotes about $286. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $1,843 per year.

The best auto insurance for Acton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,592 per year in auto insurance premiums, which was $1,035 more than a driver with no major issues. State Farm, Geico, and Progressive penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $874 less each year.

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The least expensive car insurance company for new and young drivers in Acton

In Acton, State Farm costs young drivers $1,928 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Acton. With an average cost of $5,433 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Plymouth Rock Assurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Acton

The state of Massachusetts does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Acton for drivers with bad credit

The state of Massachusetts does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Acton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Acton, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Acton.

Nationwide was the best company for customer service in Acton according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Acton, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Acton. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Acton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of Acton residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Acton driver can expect to pay about $85 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Acton, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Acton

What Influences the Cost of Car Insurance in Acton?

On average, car insurance in Acton is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Acton is 46 minutes, which is far more than average for a driver in the state.
  • Massachusetts state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Acton has an average population density in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Acton is $56 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Acton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Acton with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.