Best Car Insurance in Fall River 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Fall River.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 22, 2021Ford Explorer XLT0272141Safeco$173/mo.$71/mo.
September 11, 2021Jeep Cherokee Limited0272437Travelers$133/mo.$91/mo.
September 1, 2021Toyota Corolla L0272033Travelers$180/mo.$130/mo.
July 2, 2021Kia Forte EX0272327Safeco$265/mo.$174/mo.
September 19, 2021GMC Yukon XL Denali0272435Safeco$300/mo.$192/mo.
Here’s more information about what impacts the insurance rates in your Fall River.

How much does car insurance cost in Fall River?

Car insurance in Fall River, Massachusetts costs single-car drivers an average of $3,738 annually, or about $311 per month. Compared to the state annual average of $2,910, auto insurance in Fall River is $828 higher higher.
Fall River is the 10th-largest city in the state—and a fairly affordable one. But with a good deal of traffic and higher-than-average crime rates, drivers seeking cheap car insurance might be disappointed.
To help you navigate the insurance landscape in Fall River, MA, the insurance comparison and broker app Jerry is breaking down everything you need to know about mandatory minimums, recommended coverages, discounts, and more.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Fall River$3,728$2,435--$5,334$2,455
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Fall RiverNational Average
All Coverage Before Jerry
$3,728$3,223
All Coverage After Jerry
$2,435$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
$5,334$3,423
Full Coverage After Jerry
$2,455$2,486
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Choosing a carrier in Fall River

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
One of the perks of living in Massachusetts is having access to a wide range of insurance companies. In Fall River, Allstate, GEICO, and Progressive are popular options. All three are reliable and offer great discounts for added savings!
That said, the right insurance company for you will depend on factors like your driving history, demographics, vehicle, discount eligibility, and more. Jerry can help you quickly compare rates to find the best deal on your car insurance.
Here’s what other drivers pay with various insurance providers in Fall River before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Travelers$4,080$1,764Compare Prices
Progressive$3,000$624Compare Prices
Safeco$3,855$404Compare Prices
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What kind of car insurance you need in Fall River

In Fall River, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Massachusetts, drivers must have the following insurance before hitting the road:
Drivers must also have proof of insurance, a license, and valid car registration in the car at all times.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While having the mandatory minimum coverage is important, it doesn’t cover your car if you’re involved in an accident. For that, you’ll need to purchase additional insurance.
Here are some recommended coverage options for Fall River drivers:
FactorRecommended coverageDescription
High accident rateCollision insuranceCar crashes are fairly common in the Fall River area. Collision insurance covers damage to your vehicle if you’re involved in one.
Heavy trafficAccident forgivenessAs one of the top 10 most populous cities in Massachusetts, Fall River has a good amount of traffic. Accident forgiveness prevents your car insurance premiums from increasing after your first at-fault accident.
Inclement weatherComprehensive coverageMassachusetts is prone to severe weather throughout the year, including flooding and winter storms. Comprehensive insurance pays for damage to your vehicle that isn’t the result of a collision, like from a severe weather event.
Flat tiresRoadside assistanceEmbracing the attractions around Fall River means traveling around the city. If you ever find yourself stuck (figuratively or literally!), roadside assistance will be there to help get you back on the road.

What determines your car insurance cost in Fall River

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Fall River, you could be paying as much as $4 more per month than an adult driver. These are average rates for Jerry customers in Fall River broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,693$807
25-34$4,531$1,801
35-44$2,295$767
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Fall River with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,728$1,293
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Where in Fall River you live

It may seem like insurance rates in Fall River should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Fall River, residents of 02720 and 02724 will have the most expensive car insurance rates, while people who live in 02721 and 02723 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Fall River:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
July 22, 202102721Ford Explorer XLTMA41Safeco$173/mo.$71/mo.
September 11, 202102724Jeep Cherokee LimitedMA37Travelers$133/mo.$91/mo.
September 1, 202102720Toyota Corolla LMA33Travelers$180/mo.$130/mo.
July 21, 202102720Toyota Camry XSEMA22Progressive$250/mo.$186/mo.
September 19, 202102724GMC Yukon XL DenaliMA35Safeco$300/mo.$192/mo.
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Why is car insurance in Fall River so expensive?

A variety of considerations determine baseline car insurance rates in Fall River. Insurance companies often consider the following:

Crime rate

Fall River’s crime rates are currently higher than average—especially when it comes to property crime. As the risk of you submitting a claim increases, so, too, do your insurance rates.

Inclement weather

Massachusetts experiences its fair share of rough weather, including winter storms and hurricanes. Inclement weather can put a heavy burden on insurance companies and tend to result in more expensive premiums.

No-fault state

Massachusetts is a no-fault state. This means that after an accident, each driver files a claim with their own insurance company. When there’s a higher chance of you filing a claim, your rates go up.

How can you save money on car insurance in Fall River?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance providers offer discounts—and you can usually stack them to amp up the savings!
Here are some common ones for drivers in Fall River:
DiscountDescription
Safe driverMost insurers offer a discount if you haven’t had any claims in the last three years.
Driver affiliationIf you’re military personnel, a healthcare worker, or a teacher, you may be eligible for a reduced rate.
Pay in fullIf you pay your premium upfront, you’ll likely be rewarded with a small discount.
Defensive drivingComplete an approved defensive driving course and you may get a discount on your insurance rate.
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