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Car Insurance Quotes in Stoughton, MA

Full coverage / year
$1,511
State minimum / year
$587
Typical quote range
$1,073 – $2,085

Full coverage car insurance in Stoughton, MA runs an estimated $1,511 per year — roughly $126 monthly. That is around 11% below the Massachusetts average, helped by low traffic density and few comprehensive claims. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Stoughton, MA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$126/ month
$1,511 per year · carriers in Stoughton, MA typically quote $1,073 – $2,085
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Stoughton, MA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,148$96-24%Military members and families only
Geico$1,239$103-18%Usually cheapest for clean records
State Farm$1,330$111-12%Strong for young and student drivers
Progressive$1,435$120-5%Competitive after a ticket or accident
Travelers$1,466$122-3%Good multi-policy discounts
Nationwide$1,511$1260%Mid-market, wide availability
Allstate$1,723$144+14%Higher base rate, heavy discount stacking
Farmers$1,828$152+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Stoughton, MA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Stoughton

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,081$1,586$340
18 years old$3,442$1,337$287
20 years old$2,850$1,108$238
22 years old$2,367$920$197
25 years old$1,807$702$151
30 years old$1,558$605$130
40 years old$1,464$569$122
50 years old$1,402$545$117
60 years old$1,386$539$116
65 years old$1,448$563$121
70 years old$1,589$617$132
75 years old$1,853$720$154

Estimated premiums by age in Stoughton, MA, clean record, sedan.

What a ticket, accident or DUI costs in Stoughton

Driving recordEst. annualIncrease
Clean record$1,511—
1 speeding ticket$1,858+23%
1 at-fault accident$2,221+47%
DUI / DWI$2,855+89%

What a violation costs a 35-year-old in Stoughton, MA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Massachusetts

Every driver registering a vehicle in Massachusetts must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Massachusetts Department of Insurance.

Required coverage in MassachusettsMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$5,000
PIP $8,000Required
Uninsured motorist 20/40Required
Insurance systemNo-fault

Coverage levels compared in Stoughton

Coverage levelEst. annualEst. monthly
State minimum liability$587$49
Full coverage (100/300/100 + comp & collision)$1,511$126
Full coverage, high limits + low deductible$1,798$150

Coverage level comparison for Stoughton, MA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Stoughton

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Stoughton covers 02072 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Stoughton, MA?
Full coverage in Stoughton is estimated at $1,511 a year ($126 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $587 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least $20,000 bodily injury per person, $40,000 per accident and $5,000 property damage, plus pip $8,000, uninsured motorist 20/40. Massachusetts is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Stoughton?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Stoughton for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Stoughton?
An 18-year-old in Stoughton is estimated at $3,442 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Stoughton?
A DUI takes the estimate from $1,511 to about $2,855 a year in Stoughton, an increase of roughly 89%. Massachusetts drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Stoughton?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

CantonRandolphBrocktonNorwoodEastonBraintreeAbingtonDedham

Comparing more of Massachusetts? See every Massachusetts city we price or read the cheap car insurance guide for Stoughton.