For a 40-year-old driver with a clean record, car insurance in Fall River, MA, averages about $226 a month ($2,706 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 24% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Fall River table, at about $164 a month. Compare Fall River auto insurance quotes with the statewide picture in our Massachusetts car insurance quotes guide.
Fall River has the highest full-coverage average of the 21 Bristol County places we price, about $226 a month for our benchmark driver, just $1 a year more than New Bedford. That’s about $44 a month more than the Massachusetts average.
All four Fall River ZIP codes in our data (02720, 02721, 02723 and 02724) are priced the same for our benchmark driver, about $226 a month for full coverage, so there’s no ZIP code table on this page. The nearby towns we price cost less: Somerset averages $172, Westport $174 and Swansea $175.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Fall River ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Fall River, MA, averages about $226 a month ($2,706 a year), based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Liability-only coverage averages about $88 a month ($1,057 a year) at 20/40/5 limits, which are below the current 25/50/30 minimum.
For cheap car insurance in Fall River, the insurer matters more than the ZIP code: Plymouth Rock’s full-coverage average, about $164 a month, is about 14% below Progressive’s ($191), and Arbella’s ($299) is the highest of the five major insurers we compared (Arbella, GEICO, Plymouth Rock, Progressive and Safety Insurance).
Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Fall River table. Priced from published rate studies, USAA* sells only to military families and comes in at about $156 a month, below Plymouth Rock. Apart from USAA, the published 2026 statewide Massachusetts rate studies we reviewed divide between GEICO and Plymouth Rock for the cheapest full coverage: GEICO ranks first in four of the eight, Plymouth Rock in two, one has them tied and one puts State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among these five insurers, at about $64 a month, followed by GEICO at $78.
Full-coverage averages by insurer in Fall River
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $769 | $64 | $1,963 | $164 |
| Progressive | $1,230 | $103 | $2,296 | $191 |
| GEICO | $940 | $78 | $2,554 | $213 |
| Safety Insurance | $1,055 | $88 | $3,125 | $260 |
| Arbella | $1,293 | $108 | $3,591 | $299 |
| USAA (military families)* | $844 | $70 | $1,875 | $156 |
| Norfolk & Dedham* | $1,335 | $111 | $3,067 | $256 |
| Amica* | $1,279 | $107 | $3,204 | $267 |
| Travelers* | $1,742 | $145 | $3,645 | $304 |
| Allstate* | $1,733 | $144 | $3,993 | $333 |
| Fall River average | $1,057 | $88 | $2,706 | $226 |
This table uses Fall River ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $59 a year on average in our Fall River data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Fall River ZIP codes, full coverage averaged $2,680 a year nine months earlier and $2,706 in rates as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.6% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 0.9%, led by Plymouth Rock, which raised its liability-only average 6.8%.
Bristol County averages about $191 a month for full coverage, the third-most expensive of the 14 Massachusetts counties we price, and Fall River costs about $35 a month more than that. Taunton averages $197, Attleboro $168 and Mansfield, the least expensive place in the county, $156.
GEICO, which four of the eight statewide studies we reviewed rank first, averages $213 a month in Fall River, third of these five insurers. Massachusetts insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
New Bedford, about 12 miles east, averages $225 a month, and Brockton, about 27 miles north, $296. Somerset, about five miles north, averages $172, and Swansea, about four miles northwest, $175.
Drivers in Fall River follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
Car insurance in Fall River, MA, costs about $226 a month ($2,706 a year) on average for full coverage, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Liability-only coverage at 20/40/5 limits, below the current 25/50/30 minimum, averages about $88 a month ($1,057 a year).
Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Fall River table, at about $164 a month, followed by Progressive at $191. USAA*, which sells only to military families, is priced from published rate studies at about $156 a month, below Plymouth Rock. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $64 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Fall River full coverage averages about $226 a month and New Bedford about $225.
Somerset, Westport and Swansea all cost less for our benchmark driver: Somerset averages about $172 a month for full coverage, Westport $174 and Swansea $175, compared with $226 in Fall River.
No. Massachusetts insurers can’t refuse to issue or renew a policy because of your credit information, including a credit-based insurance score, and they can’t use credit to price your policy. They also can’t use your gender, marital status, occupation, income, education or homeownership. Your driving record, through the Safe Driver Insurance Plan, counts instead.
Fall River drivers follow Massachusetts law: every policy issued or renewed since July 1, 2025, must include at least $25,000 per person and $50,000 per accident in bodily injury liability, $30,000 in property damage liability, uninsured motorist coverage of $25,000 per person and $50,000 per accident, and personal injury protection of up to $8,000 per person. Our liability-only prices use the older 20/40/5 limits, which are below the current minimum.
For our benchmark driver, full coverage in Fall River averages about $226 a month. Nearby, New Bedford averages about $225, Brockton about $296 and Quincy about $207. New Bedford and Quincy are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
