conducted a national survey asking real policyholders to rank various companies—and we discovered that the long and short of it is, there’s no one insurer best suited for every motorist.

All providers use their own algorithms and calculations to determine their rates, meaning what might look best for you could be the total opposite for someone else.

That said, there are some standout companies in the city for both cost of an insurance policy and customer service.

Insurance provider	Average monthly cost of minimum coverage	Average monthly cost of full coverage	Jerry rating
State Farm	$22	$59	3.9
Travelers	$25	$49	4.5
Safeco	$29	$52	4.4
Embark General	$63	$169	N/A

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Dalton

It costs the average Dalton motorist about $46 per month for state minimum coverage—or $114 for a full coverage policy. When stacked against the

Massachusetts

average, Dalton drivers pay roughly 12% less for full coverage car insurance.

But smart comparison shopping can help you save even more—thousands of Dalton drivers use Jerry to shop for and compare free quotes from dozens of trusted providers, ensuring they get the best auto insurance coverage for them.

Compare car insurance quotes now

Best cheap car insurance quotes in Dalton

Any driver in the city must adhere to the statewide insurance requirements.

Massachusetts car insurance laws

require all motorists have bodily injury coverage, property damage, and personal injury protection (PIP).

Cheap minimum liability insurance quotes in Dalton

Before you hit the road in Dalton, here’s what you need at the bare minimum:

$20,000

bodily injury liability

per person

$40,000 bodily injury liability per accident

$5,000

property damage liability

per accident

$8,000

personal injury protection

per person, per accident

$20,000 for bodily injury per person from an uninsured motorist

$40,000 for bodily injury per accident from an uninsured motorist

Drivers looking to secure affordable minimum coverage policies have found some of the cheapest rates with these providers in Dalton:

Insurance provider	Average monthly cost of minimum coverage	Average annual cost of minimum coverage
State Farm	$22	$264
Travelers	$25	$296
Safeco	$29	$350
Embark General	$63	$751

Do you need more than minimum coverage in Dalton?

While state minimum requirements are the cheaper route, you run the risk of higher bills down the road should a more serious accident occur. Minimum coverage often doesn’t provide motorists with the protection they need—the average hospital stay after an accident can cost

up to $60,000

. A serious one can cost over $100,000. This is why experts recommend MA drivers carry at least 50/100/50 or 100/300/100 liability coverage in addition to full coverage on your vehicle.

Cheap full coverage car insurance quotes in Dalton

Full coverage

is the simplest way to ensure you and your vehicle have the protection you need in the event of a crash. Unlike minimum coverage, a full coverage car insurance policy includes

comprehensive

and

collision coverage

Collision coverage handles damage costs to your vehicle should you collide with another object, such as a car or guard rail. Collision coverage also pays for the accident regardless of who was at fault.

Comprehensive coverage handles direct and accidental damage or loss to your vehicle outside of a collision—this includes things like theft, vandalism, natural disasters, or hitting an animal.

Let’s take a closer look at some of the cheapest insurance companies in Dalton that offer the best rates for full coverage:

Insurance provider	Average monthly cost of full coverage	Average annual cost of full coverage
State Farm	$59	$708
Travelers	$49	$583
Safeco	$52	$619
Embark General	$169	$2,030

The easiest way to find affordable full coverage is to shop for auto insurance quotes from multiple providers, an arduous process that Jerry makes easy. Once you download the Jerry app you can shop for and compare quotes from dozens of providers to lock in the cheapest rates on insurance products.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Dalton

The average cost of car insurance in Dalton ranges from $46 per month for state minimum coverage or $114 for full coverage.

However, it’s important to keep in mind that an average cost is exactly that, and doesn’t necessarily reflect what everyone in a given city will pay. Auto insurance companies ultimately determine rates based on a number of common factors including your age, driving record, ZIP code, and the kind of car you drive.

Compare car insurance costs in other states

New Hampshire car insurance

Rhode Island car insurance

Connecticut car insurance

New York car insurance

Vermont car insurance

Maine car insurance

New Jersey car insurance

Pennsylvania car insurance

Car insurance quotes in Dalton by rating factors

Insurance companies in Dalton use many rating factors when

calculating your auto insurance premium

Your driving record: Drivers with violations on their record, or who have a history of filing claims, will pay more on their insurance premiums than drivers with a clean record.

Your age: Drivers under 25 or over 75 tend to pay the most for car insurance because they’re considered to be higher risks on the road.

Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance costs.

Vehicle location: Drivers in areas prone to theft or natural disasters will often pay more for insurance on account of the increased likelihood that you’ll file a claim.

How do different factors impact your car insurance costs in Dalton?

Allowed (with applicable limitations): Driving experience.

Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status, residential status.

Learn more about the car insurance rating factors in Dalton:

Cheap car insurance quotes in Dalton after driving violations

Your driving profile will always be one of the major determinants set by an insurance provider—and one of the biggest red flags in your driving record is a history of violations. Even one speeding ticket in MA can skyrocket your insurance costs by a whopping 27%.

Let’s take a closer look at common violations, how much of an impact they have on your insurance, and some affordable rates Jerry found for drivers with blemished records.

Cheapest car insurance in Dalton after speeding ticket

Speeding tickets in Massachusetts

come with a base fine of $50 and $50 surcharge, plus additional fines if you’re caught speeding in a construction zone or going more than 10 miles over the posted speed limit.

Here’s how your insurance rates change in MA after a minor speeding violation.

Insurance provider	Average monthly cost of coverage
The General	$104
Progressive	$111
Embark General	$155
Travelers	$165
Safeco	$309

Cheapest car insurance in Dalton after DUI

In Massachusetts, the average rate increase

after a DUI

is a staggering 82%, and your coverage will only take more of a hit

after a second offense

in the state. In addition to fines, license suspensions, and the potential for jail time, here’s how some major providers in the state change their rates if they spot a DUI on your record.

Cheapest car insurance in Dalton after an at-fault accident

Another surefire way to increase your auto insurance rates is if you cause an accident. In fact, the average cost of a premium after an at-fault accident in MA is $501.

MORE:

Massachusetts Car Accident Laws

Cheapest car insurance in Dalton after other driving violations

Of course, accidents, DUIs, and speeding tickets aren’t the only violations you can rack up on your driving record. Have a look at how rates across MA can change based on your violation.

Violation	Average monthly cost of coverage
Failure to obey signal	$116
Failure to stop	$271
Improper passing	$258
Failure to yield	$300
Open container	$117

Cheap car insurance quotes in Dalton by age

Age is a big factor in how much you pay for coverage—teens and senior motorists tend to pay the most for insurance due to providers seeing them as higher risks on the road. Not to mention, older motorists (75+) could also experience greater injury in the event of an accident.

Cheapest car insurance in Dalton for young drivers

Drivers under the age of 25 tend to pay the highest amount for insurance. Insurance companies are more comfortable with established motorists with a clean record, two things teen drivers need to acquire before they see cheaper rates.

For example, motorists aged 22-25 in Dalton pay an average of $100 every month for car insurance, whereas drivers aged 35-44 pay $43 every month on average.

If you’re a young driver, it’s recommended that you carry a full coverage policy to give yourself a higher level of protection.

MORE:

What is the Driving Age in Massachusetts?

Cheapest car insurance in Dalton for senior drivers

It isn’t only young drivers who see high costs—senior motorists over the age of 75 will also see a spike in their rates. A main reason why is that companies see senior drivers as a greater liability on the road on account of slower reflexes and a likelihood of serious injuries should an accident happen.

Drivers aged 45-54 in Dalton pay an average of $72 per month for insurance whereas someone 55-64 could see an average cost of $167 every month.

MORE:

The Best Car Insurance for Seniors in 2024

Cheap car insurance quotes in Dalton based on insurance history

Your insurance history can also play a large part in how much you pay with a new provider. Coverage lapses often signal to future insurers that you may be more of a risk to cover, meaning you could see higher rates as a result.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Good Insurance!

Corey

Great price. Quick and easy.

Mike

Great rates offered and quality customer service

Angela

Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.

Andrew

Cheap car insurance quotes in Dalton for popular cars

The kind of car you drive is also a big factor in how much you pay for insurance. Generally speaking, the newer your vehicle is, the higher your insurance costs will be. But providers also consider a vehicle’s safety ratings, the likelihood of theft, and how easy it would be to find replacement parts.

Some of the most popular cars in Dalton are the:

Nissan Maxima

Hyundai Sonata

Jeep Grand Cherokee

Toyota RAV4

Toyota Corolla

Honda Civic

Here’s a look at how much it costs on average to insure some additional popular cars in Dalton, MA.

Popular vehicle	Average cost of car insurance
Honda CR-V	$543
Nissan Altima	$2,000
Toyota Camry	$612
Honda Accord	$974

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Dalton

1. Shop around and compare quotes

The best way to guarantee that you’re getting the best rates for the kind of coverage you need is to comparison shop across providers. Remember that every driver’s profile is different, meaning average rates can drastically change across the board.

Jerry takes the guesswork out of quotes by allowing you to shop for and compare rates from some of the biggest insurance companies.

Compare car insurance quotes now

2. Hunt for car insurance discounts

The majority of insurance providers have a slew of available discounts for policyholders—some of which require very little work on your end to benefit from!

Keep your eyes peeled for discounts like:

Good driver discounts. If you have a clean record, you might qualify for a discount from your current provider.

Telematics discounts. Several companies provide discounts to those who use telematics to track their driving habits. Oftentimes, there’s even a discount for the simple task of signing up.

Good student discounts. Full-time students who maintain a B average or higher in school can qualify for a discount from some insurance providers.

Bundling discounts. When you

bundle your home insurance and auto insurance

(or an auto policy with renters insurance) with the same company, you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you have full coverage, you could consider raising your deductible as a way to save some green without sacrificing coverage. However, keep in mind that this is a last resort option and should only be considered if you can afford the increased rate.

MORE:

How to choose a car insurance deductible

FAQ

Who has the cheapest car insurance rates in Massachusetts?

There is no one company who will offer the cheapest auto insurance policy to every driver—motorists all have different profiles, which means providers all offer different coverage options. That said, in MA, drivers have found affordable rates with Safeco, Travelers, and Nationwide.

How much is car insurance in Massachusetts per month?

The average cost of insurance in MA is roughly $60 per month for state minimum coverage and $129 every month for full coverage.

Why is car insurance so expensive in Massachusetts?

Car insurance is particularly high in MA because it’s a densely populated area, particularly in urban areas where car accidents are more likely to occur. Not only that but Massachusetts is also experiencing more adverse weather conditions, which can lead to more claims, and the state also has a high number of uninsured motorists on the road.

How to lower car insurance in Massachusetts?

To help lower your car insurance it’s a good idea to shop around for coverage from at least three different insurance carriers. You can also maintain a clean driving record, speak with an insurance agent at your current provider to discuss any discounts, and homeowners can bundle their home and auto insurance.

Should you shop around for car insurance?

It’s recommended by experts that you shop around for insurance from at least three different insurance agencies—that way you can ensure you’ve scoped out your options to secure top rates for the right coverage.

Is it mandatory to have car insurance in Massachusetts?

All drivers in MA must have the state minimum required insurance coverage. In Massachusetts, this means bodily injury coverage, property damage, and personal injury protection (PIP).

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.