Best Grafton, MA Car Insurance in 2025
Car insurance in Grafton, MA averages $242 a month. Grafton, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Grafton car insurance rates, compare quotes from the top car insurance companies in Grafton, MA.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated December 2025
- The cheapest car insurance company in Grafton is State Farm
- The cheapest car insurance company in Grafton for teen drivers is State Farm
- Average car insurance rates in Grafton, MA are $2,904/year
If you need to buy Grafton, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Grafton, MA is right here.
You’ll find Grafton car insurance rates, the cheapest Grafton, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Grafton, Massachusetts car insurance rates to Fall River car insurance rates, Brockton car insurance rates, and Springfield car insurance rates.
Ready to find affordable Grafton, MA car insurance today? Enter your ZIP code for fast, free Grafton car insurance quotes.
Cheapest Grafton, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Grafton, MA car insurance rates? Every Grafton, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,161 | $2,161 | $2,161 | $2,161 | $7,749 | $7,749 | $2,423 | $2,423 |
| Geico | $1,800 | $1,800 | $1,667 | $1,667 | $5,151 | $5,151 | $1,857 | $1,857 |
| Liberty Mutual | $2,623 | $2,623 | $2,287 | $2,287 | $8,758 | $8,758 | $2,744 | $2,744 |
| Progressive | $2,142 | $2,142 | $2,050 | $2,050 | $8,004 | $8,004 | $2,323 | $2,323 |
| State Farm | $862 | $862 | $862 | $862 | $2,394 | $2,394 | $862 | $862 |
| Travelers | $2,683 | $2,683 | $2,369 | $2,369 | $5,437 | $5,437 | $2,979 | $2,979 |
| USAA | $1,286 | $1,286 | $1,267 | $1,267 | $2,984 | $2,984 | $1,419 | $1,419 |
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Minimum Car Insurance in Grafton, MA
Every driver must carry the minimum car insurance required by the state in Grafton, MA. Take a look at the Massachusetts car insurance requirements.
| 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 |
Cheapest Grafton, MA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Grafton, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,814 | $4,167 | $4,698 | $2,814 |
| Geico | $2,096 | $2,881 | $3,288 | $2,209 |
| Liberty Mutual | $3,238 | $4,409 | $5,311 | $3,453 |
| Progressive | $3,054 | $4,291 | $3,408 | $3,765 |
| State Farm | $986 | $1,342 | $1,597 | $1,056 |
| Travelers | $2,634 | $3,633 | $3,861 | $3,340 |
| USAA | $1,241 | $1,608 | $2,721 | $1,387 |
Cheapest Grafton, MA Car Insurance for Teen Drivers
Teen car insurance in Grafton, MA can be expensive. Take a look at rates from the top car insurance companies in Grafton for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,749 | $7,749 |
| Geico | $5,151 | $5,151 |
| Liberty Mutual | $8,758 | $8,758 |
| Progressive | $8,004 | $8,004 |
| State Farm | $2,394 | $2,394 |
| Travelers | $5,437 | $5,437 |
| USAA | $2,984 | $2,984 |
Cheapest Grafton, MA Car Insurance for Seniors
Take a look at Grafton, MA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,161 | $2,161 |
| Geico | $1,667 | $1,667 |
| Liberty Mutual | $2,287 | $2,287 |
| Progressive | $2,050 | $2,050 |
| State Farm | $862 | $862 |
| Travelers | $2,369 | $2,369 |
| USAA | $1,267 | $1,267 |
Cheapest Grafton, MA Car Insurance Rates After a DUI
A DUI in Grafton, MA increases car insurance rates. Compare Grafton, Massachusetts car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,698 |
| Geico | $3,288 |
| Liberty Mutual | $5,311 |
| Progressive | $3,408 |
| State Farm | $1,597 |
| Travelers | $3,861 |
| USAA | $2,721 |
Cheapest Grafton, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Grafton, MA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,511 | $3,736 |
| Geico | $2,567 | $2,670 |
| Liberty Mutual | $3,942 | $4,264 |
| Progressive | $3,630 | $3,630 |
| State Farm | $1,216 | $1,275 |
| Travelers | $3,208 | $3,526 |
| USAA | $1,691 | $1,787 |
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The Best Cheap Car Insurance Companies in Grafton, MA
Take a look at a side-by-side comparison of the top car insurance companies in Grafton, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,623 |
| Geico | $2,619 |
| Liberty Mutual | $4,103 |
| Progressive | $3,630 |
| State Farm | $1,245 |
| Travelers | $3,367 |
| USAA | $1,739 |
Category Winners: Cheapest Car Insurance in Grafton, Massachusetts
Find the cheapest car insurance companies in Grafton, MA for each category right here.
| 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 |
Cheapest Grafton, MA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Grafton car insurance rates. Find the cheapest Grafton, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,367 | $3,679 | $3,824 |
| Geico | $2,409 | $2,667 | $2,780 |
| Liberty Mutual | $3,847 | $4,155 | $4,307 |
| Progressive | $3,333 | $3,703 | $3,852 |
| State Farm | $1,135 | $1,268 | $1,333 |
| Travelers | $3,063 | $3,436 | $3,603 |
| USAA | $1,611 | $1,768 | $1,838 |
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Compare Car Insurance Quotes in Grafton, MA
Ready to find affordable Grafton, Massachusetts car insurance today? Enter your ZIP code for fast, free Grafton, MA car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Grafton, MA?
On average, car insurance in Grafton, MA costs around $242 per month.
Do I need full coverage insurance if my car is financed?
If your car is financed, full coverage insurance is usually required by the lender.
How can I find cheap car insurance in Grafton, MA?
Compare quotes from different insurance companies to find the most affordable rates.
How do factors like age, gender, and marital status affect car insurance rates in Grafton, MA?
Each insurance company considers these factors differently, so it’s best to compare rates from multiple companies.
How does a bad driving record affect car insurance rates in Grafton, MA?
Having a bad driving record can lead to higher insurance rates. Compare rates to find the best options.
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