For a 40-year-old driver with a clean record, car insurance in Somerville, MA, averages about $202 a month ($2,421 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% above the Massachusetts average of $182 a month. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Somerville table, at about $146 a month.
Somerville’s prices fall between those of the cities around it: full coverage averages about $202 a month for our benchmark driver, more than Cambridge ($183) and Arlington ($165) but less than Medford ($210), Malden ($253) and Everett ($260).
All three Somerville ZIP codes in our data (02143, 02144 and 02145) are priced the same for our benchmark driver, about $202 a month for full coverage, so there’s no ZIP code table on this page. Among insurers anyone can buy from, GEICO has the lowest average in Somerville, as it does in neighboring Cambridge, while Plymouth Rock leads in most of the other Massachusetts cities with a guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Somerville 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.
Full coverage in Somerville averages $2,421 a year, or about $202 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $920 a year ($77 a month), and 50/100/50 liability with comprehensive and collision averages $2,375 ($198 a month).
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Somerville table. Using published rate studies, USAA* prices at about $132 a month, below GEICO, but it sells only to military families. 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, GEICO has the lowest average among the five major insurers we compared, at about $52 a month, followed by Plymouth Rock at $62.
Full-coverage averages by insurer in Somerville
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 | $628 | $52 | $1,752 | $146 |
| Plymouth Rock | $746 | $62 | $1,946 | $162 |
| Progressive | $1,118 | $93 | $2,070 | $173 |
| Safety Insurance | $975 | $81 | $2,971 | $248 |
| Arbella | $1,135 | $95 | $3,366 | $281 |
| USAA (military families)* | $716 | $60 | $1,587 | $132 |
| Norfolk & Dedham* | $1,132 | $94 | $2,596 | $216 |
| Amica* | $1,084 | $90 | $2,713 | $226 |
| Travelers* | $1,477 | $123 | $3,086 | $257 |
| Allstate* | $1,469 | $122 | $3,380 | $282 |
| Somerville average | $920 | $77 | $2,421 | $202 |
This table uses Somerville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $46 a year on average in our Somerville 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 Somerville ZIP codes, full coverage averaged $2,396 a year nine months earlier and $2,421 in rates as of Aug. 31, 2026, a 1.0% increase. Safety Insurance raised its average 2.7% and Plymouth Rock 2.5%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.1%, led by Plymouth Rock, which raised its liability-only average 7.5%.
Middlesex County averages about $171 a month for full coverage, the seventh-most expensive of the 14 Massachusetts counties we price, and Somerville costs about $31 a month more than that. It’s the sixth-most expensive of the 59 Middlesex County places we price; Everett ($260) and Malden ($253) top the list.
Liability-only coverage at 20/40/5 limits averages about $77 a month in Somerville, and GEICO’s liability-only average, about $52, is the lowest we price here. 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 a mile southwest, averages $183 a month, and Boston, about three miles southeast, $252 across its 24 ZIP codes. Malden, about three miles northeast, averages $253, and Medford, about two miles north, $210.
Drivers in Somerville 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.
For our benchmark driver, full coverage in Somerville averages about $202 a month ($2,421 a year) and liability-only coverage at 20/40/5 limits about $77 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% above the Massachusetts average of $182 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Somerville table, at about $146 a month, followed by Plymouth Rock at $162. USAA*, which sells only to military families, is priced from published rate studies at about $132 a month, below GEICO. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average, at about $52 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.
Cambridge, for our benchmark driver. Somerville full coverage averages about $202 a month and Cambridge about $183, a difference of about $19 a month for the same driver and car.
Yes, in our data. All three Somerville ZIP codes we price (02143, 02144 and 02145) average about $202 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
In our Somerville data, full coverage (100/300/100 with $500 deductibles) averages about $202 a month and liability-only coverage at 20/40/5 limits about $77, a difference of about $125 a month ($1,501 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Massachusetts law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Somerville full coverage rose 1.0% over the past nine months, from about $2,396 to $2,421 a year. Safety Insurance raised its average 2.7% and Plymouth Rock 2.5%. Liability-only coverage at 20/40/5 limits rose 1.1%.
For our benchmark driver, full coverage in Somerville averages about $202 a month. Nearby, Cambridge averages about $183, Boston about $252 and Malden about $253. Cambridge is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
