Best Wellesley, MA Car Insurance in 2025
Car insurance in Wellesley, MA averages $231 a month. Wellesley, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Wellesley car insurance rates, compare quotes from the top car insurance companies in Wellesley, MA.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated December 2025
- Average car insurance rates in Wellesley, MA are $2,767/year
- Average car insurance rates in Wellesley, MA after a DUI are $3,392/year
- The cheapest car insurance company in Wellesley for teen drivers is State Farm
If you need to buy Wellesley, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Wellesley, MA is right here.
You’ll find Wellesley car insurance rates, the cheapest Wellesley, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Wellesley, Massachusetts car insurance rates to Quincy car insurance rates, Cambridge car insurance rates, and Springfield car insurance rates.
Ready to find affordable Wellesley, MA car insurance today? Enter your ZIP code for fast, free Wellesley car insurance quotes.
Cheapest Wellesley, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Wellesley, MA car insurance rates? Every Wellesley, 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 | $2,051 | $2,051 | $2,051 | $2,051 | $7,339 | $7,339 | $2,302 | $2,302 |
| Geico | $1,671 | $1,671 | $1,535 | $1,535 | $4,896 | $4,896 | $1,731 | $1,731 |
| Liberty Mutual | $2,439 | $2,439 | $2,127 | $2,127 | $8,005 | $8,005 | $2,552 | $2,552 |
| Progressive | $1,899 | $1,899 | $1,826 | $1,826 | $7,191 | $7,191 | $2,058 | $2,058 |
| State Farm | $794 | $794 | $794 | $794 | $2,165 | $2,165 | $794 | $794 |
| Travelers | $2,920 | $2,920 | $2,588 | $2,588 | $6,029 | $6,029 | $3,248 | $3,248 |
| USAA | $1,197 | $1,197 | $1,180 | $1,180 | $2,763 | $2,763 | $1,323 | $1,323 |
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Minimum Car Insurance in Wellesley, MA
Every driver must carry the minimum car insurance required by the state in Wellesley, 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 Wellesley, 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 Wellesley, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,665 | $3,953 | $4,460 | $2,665 |
| Geico | $1,972 | $2,698 | $3,086 | $2,078 |
| Liberty Mutual | $2,983 | $4,061 | $4,898 | $3,181 |
| Progressive | $2,734 | $3,836 | $3,044 | $3,359 |
| State Farm | $898 | $1,224 | $1,461 | $962 |
| Travelers | $2,875 | $3,988 | $4,269 | $3,653 |
| USAA | $1,155 | $1,494 | $2,524 | $1,290 |
Cheapest Wellesley, MA Car Insurance for Teen Drivers
Teen car insurance in Wellesley, MA can be expensive. Take a look at rates from the top car insurance companies in Wellesley for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,339 | $7,339 |
| Geico | $4,896 | $4,896 |
| Liberty Mutual | $8,005 | $8,005 |
| Progressive | $7,191 | $7,191 |
| State Farm | $2,165 | $2,165 |
| Travelers | $6,029 | $6,029 |
| USAA | $2,763 | $2,763 |
Cheapest Wellesley, MA Car Insurance for Seniors
Take a look at Wellesley, 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 | $2,051 | $2,051 |
| Geico | $1,535 | $1,535 |
| Liberty Mutual | $2,127 | $2,127 |
| Progressive | $1,826 | $1,826 |
| State Farm | $794 | $794 |
| Travelers | $2,588 | $2,588 |
| USAA | $1,180 | $1,180 |
Cheapest Wellesley, MA Car Insurance Rates After a DUI
A DUI in Wellesley, MA increases car insurance rates. Compare Wellesley, Massachusetts car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,460 |
| Geico | $3,086 |
| Liberty Mutual | $4,898 |
| Progressive | $3,044 |
| State Farm | $1,461 |
| Travelers | $4,269 |
| USAA | $2,524 |
Cheapest Wellesley, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Wellesley, 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 | $3,328 | $3,544 |
| Geico | $2,410 | $2,507 |
| Liberty Mutual | $3,634 | $3,927 |
| Progressive | $3,243 | $3,243 |
| State Farm | $1,110 | $1,163 |
| Travelers | $3,523 | $3,869 |
| USAA | $1,572 | $1,660 |
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The Best Cheap Car Insurance Companies in Wellesley, MA
Take a look at a side-by-side comparison of the top car insurance companies in Wellesley, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,436 |
| Geico | $2,458 |
| Liberty Mutual | $3,781 |
| Progressive | $3,243 |
| State Farm | $1,137 |
| Travelers | $3,696 |
| USAA | $1,616 |
Category Winners: Cheapest Car Insurance in Wellesley, Massachusetts
Find the cheapest car insurance companies in Wellesley, 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 Wellesley, MA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Wellesley car insurance rates. Find the cheapest Wellesley, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,196 | $3,489 | $3,623 |
| Geico | $2,279 | $2,500 | $2,596 |
| Liberty Mutual | $3,549 | $3,828 | $3,964 |
| Progressive | $2,955 | $3,320 | $3,454 |
| State Farm | $1,037 | $1,157 | $1,215 |
| Travelers | $3,300 | $3,782 | $4,006 |
| USAA | $1,500 | $1,642 | $1,706 |
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What affects car insurance rates in Wellesley, Massachusetts?
What are the factors that affect car insurance rates in Wellesley, MA? There are several reasons why Wellesley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wellesley, Massachusetts.
Commute Time in Wellesley
The more time you spend in your car the higher the risk of an accident. The average commute length in Wellesley, MA is 30.7 minutes according to City-Data.
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Ready to find affordable Wellesley, Massachusetts car insurance today? Enter your ZIP code for fast, free Wellesley, MA car insurance quotes.
Frequently Asked Questions
Can I change my car insurance coverage limits and deductibles in Wellesley, MA?
Yes, you can generally change your car insurance coverage limits and deductibles in Wellesley, MA.
Can I bundle my car insurance with other insurance policies for discounts in Wellesley, MA?
Yes, bundling your car insurance with other insurance policies, such as homeowners or renters insurance, may make you eligible for discounts in Wellesley, MA. Many insurance companies offer multi-policy discounts.
Can I get car insurance if I have a foreign driver’s license in Wellesley, MA?
Yes, you can typically obtain car insurance in Wellesley, MA with a foreign driver’s license.
Does the type of car I drive affect my insurance rates in Wellesley, MA?
Yes, the type of car you drive can affect your insurance rates in Wellesley, MA. Factors such as the car’s make, model, year, safety features, repair costs, and likelihood of theft can impact the insurance premium.
Is uninsured/underinsured motorist coverage required in Wellesley, MA?
Uninsured/underinsured motorist coverage is not mandatory in Wellesley, MA, but insurance companies are required to offer it.
Can I get car insurance coverage for rental cars in Wellesley, MA?
Yes, you can typically obtain car insurance coverage for rental cars in Wellesley, MA. You have several options, including purchasing coverage from the rental car company.
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