For a 40-year-old driver with a clean record, car insurance in Newton, MA, averages about $181 a month ($2,172 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Massachusetts average of $182 a month. GEICO and Progressive are effectively tied for the lowest full-coverage average among insurers open to all drivers in our Newton table, at about $154 and $158 a month. These figures cover the seven Newton ZIP codes in our data that fall inside the city on the Census Bureau’s maps: 02458, plus six that the Postal Service files under village names such as Newton Center, West Newton and Waban.
We leave out 02467, filed under Chestnut Hill, which Newton shares with Brookline and Boston; it averages $212 a month in our data. Our rate data doesn’t include 02462 (Newton Lower Falls) or 02464 (Newton Upper Falls). The Newton row in our statewide table covers only 02458, at $176 a month; this guide covers all seven.
Of the 16 Massachusetts cities with an InsuranceQuotes guide, Newton costs the least for our benchmark driver, about $181 a month for full coverage. Among the insurers we price, GEICO and Progressive are effectively tied for the lowest price in the six village ZIP codes, about $154 and $158 a month, while Plymouth Rock is lowest in 02458, at $143.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Newton 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. 2, 2026.
Full coverage in Newton averages $2,172 a year, or about $181 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $839 a year ($70 a month), and 50/100/50 liability with comprehensive and collision averages $2,132 ($178 a month).
GEICO and Progressive are effectively tied for the lowest full-coverage average among insurers open to all drivers in our Newton table. USAA*, which sells only to military families, is priced from published rate studies at about $132 a month, below both; we don’t rank it. 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. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average among the insurers we price, at about $54 a month, followed by Plymouth Rock at $64.
Full-coverage averages by insurer in Newton
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): |
|---|---|---|---|---|
| GEICO | $653 | $54 | $1,846 | $154 |
| Progressive | $1,051 | $88 | $1,892 | $158 |
| Plymouth Rock | $765 | $64 | $2,006 | $167 |
| Safety Insurance | $800 | $67 | $2,419 | $202 |
| Arbella | $924 | $77 | $2,696 | $225 |
| USAA (military families)* | $709 | $59 | $1,580 | $132 |
| Norfolk & Dedham* | $1,121 | $93 | $2,585 | $215 |
| Amica* | $1,074 | $90 | $2,701 | $225 |
| Travelers* | $1,464 | $122 | $3,073 | $256 |
| Allstate* | $1,456 | $121 | $3,366 | $281 |
| Newton average | $839 | $70 | $2,172 | $181 |
This table uses Newton ZIP codes only. See how we calculated these rates.
Across the seven Newton ZIP codes we price, full coverage for our driver ranges from about $176 a month in 02458 to $182 in 02459, 02460, 02461, 02465, 02466 and 02468, a gap of $69 a year. 02458 uses a Newton mailing address; the other six are filed under village names (Newton Center, Newtonville, Newton Highlands, West Newton, Auburndale and Waban) and average about $182 a month each.
Lowest-priced Newton ZIP code
Highest-priced Newton ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Newton’s average.
| ZIP Code: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 02458 (Newton) | $822 | $69 | $2,113 | $176 | -3% |
| 02459 (Newton Center) | $841 | $70 | $2,182 | $182 | +1% |
| 02460 (Newtonville) | $841 | $70 | $2,182 | $182 | +1% |
| 02461 (Newton Highlands) | $841 | $70 | $2,182 | $182 | +1% |
| 02465 (West Newton) | $841 | $70 | $2,182 | $182 | +1% |
| 02466 (Auburndale) | $841 | $70 | $2,182 | $182 | +1% |
| 02468 (Waban) | $841 | $70 | $2,182 | $182 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $40 a year on average in our Newton 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 Newton ZIP codes, full coverage averaged $2,148 a year in rates as of Nov. 30, 2025, and $2,172 as of Aug. 31, 2026, a 1.1% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.7%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.3%, led by Plymouth Rock, which raised its liability-only average 7.4%.
Middlesex County averages about $171 a month for full coverage, about $10 less than Newton. Waltham averages $177, Weston $156 and Watertown $186, and in Norfolk County, Needham averages $154 and Wellesley $148.
Prices rise to the east: Boston’s Brighton and West Roxbury neighborhoods, which border Newton, average $213 and $204, and Chestnut Hill (02467) $212. Where you live is one of the factors Massachusetts insurers use, so neighboring towns can be priced differently.
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.
Cambridge, about six miles northeast, averages $183 a month, and Boston, about eight miles east, $252 across its 24 ZIP codes. Framingham, about 11 miles west, averages $189. Waltham, about three miles northwest, averages $177, and Wellesley, about five miles southwest, $148.
Drivers in Newton 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.
Ready to compare
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.
For our benchmark driver, full coverage in Newton averages about $181 a month ($2,172 a year) and liability-only coverage at 20/40/5 limits about $70 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Massachusetts average of $182 a month.
GEICO and Progressive are effectively tied for the lowest full-coverage average among insurers open to all drivers in our Newton table, at about $154 and $158 a month. USAA*, which sells only to military families, is priced from published rate studies at about $132 a month, below both; we don’t rank it. Plymouth Rock’s average is next, at $167. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average, at about $54 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.
Newton, for our benchmark driver. Newton full coverage averages about $181 a month and Boston about $252, a difference of about $71 a month for the same driver and car.
In our data, 02458 (Newton) has the lowest full-coverage average in Newton, at about $176 a month, and 02459 (Newton Center), 02460 (Newtonville), 02461 (Newton Highlands), 02465 (West Newton), 02466 (Auburndale) and 02468 (Waban) share the highest, at about $182. The ZIP code table on this page lists all seven with the village or mailing name for each.
In our Newton data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 20/40/5 limits about $70, a difference of about $111 a month ($1,333 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Newton full coverage rose 1.1% between November 2025 and August 2026, from about $2,148 to $2,172 a year. Plymouth Rock raised its average 2.8% and Safety Insurance 2.7%. Liability-only coverage at 20/40/5 limits rose 1.3%.
