Your South Coast Insurance Partner
Insurance Agency Serving Freetown, MA
Freetown is split in two by 5,000 acres of state forest, with Assonet on the west side and East Freetown on the east. Tetrault Insurance compares rates across multiple carriers to find coverage that fits the property and the driving, not a one-size-fits-all quote.
Car Insurance in Freetown, MA
Being independent means we are not locked into selling one carrier’s products. We work with multiple insurance companies to compare rates and coverage options, then recommend what fits your situation.
Driving in Freetown
Route 24 runs north-south through the western side of Freetown, connecting Fall River to Taunton and Brockton. Route 79 runs concurrently with Route 24 through the Assonet section before splitting off toward Berkley. South Main Street connects Assonet village to Fall River. On the east side, County Road and Middleborough Road carry traffic toward Rochester and Lakeville. The Freetown-Fall River State Forest sits between the two halves, which means most cross-town trips go around rather than through.
No Freetown intersection appears on the current Southeastern Massachusetts list of the 100 most dangerous intersections. The risk profile is highway plus rural. Route 24 carries high-speed traffic through the town’s western edge, while the interior roads are narrow, wooded, and shared with deer and the occasional off-road vehicle from the state forest. Fewer crashes and higher severity per crash tend to go together on roads like these.
Photo: Wikimedia Commons · Public Domain
What Massachusetts Requires
Massachusetts mandates four coverages before you can register a vehicle: bodily injury liability (25/50), property damage liability ($30,000), personal injury protection ($8,000), and uninsured motorist coverage (25/50). Those limits rose on July 1, 2025, the first increase since 1988, and they still represent the legal minimum rather than adequate protection. The property damage minimum is $30,000, but the average new car sells for nearly $50,000, and a serious accident can cost far more. Read our guide to Massachusetts car insurance coverage for the full breakdown.
Why Freetown Drivers Need More
High-speed highway traffic on Route 24, narrow wooded roads through the interior, and a daily commute that often reaches Fall River or Taunton before hitting the first traffic light produce a wider range of scenarios than the town’s size suggests. Most insurance professionals recommend at least 100/300/100 coverage. The step up from state minimums usually costs far less than the protection it buys, and we can quote both levels side by side so you see your actual numbers rather than an average. If you own a home or have savings, an umbrella policy adds another layer above your auto and homeowners limits.
More Than Car Insurance
Car insurance is where most people start, but it’s not the only coverage Freetown residents need.
Homeowners Insurance
Freetown’s housing ranges from historic homes in Assonet village to newer construction in East Freetown, with properties along the Assonet River and near the state forest in between. Many parcels are large enough to have detached garages, workshops, or outbuildings, and the default other structures coverage is often too low. Properties near the Assonet River and Assonet Bay may also sit in FEMA-designated flood zones, and standard homeowners insurance does not cover flood damage. A homeowners policy protects against fire, theft, wind damage, and liability, but the structure limits and the flood question are both worth confirming rather than assuming.
Renters Insurance
Your landlord’s insurance covers the building, not your belongings. A renters policy covers your personal property, provides liability protection, and is one of the least expensive policies we write.
Business Insurance
Freetown’s businesses run from contractors and trades to small retail and service operations in both villages, plus commuters who work in Fall River and Taunton. A contractor needs commercial auto on every truck, general liability, and workers’ compensation. We write business insurance for small and mid-sized companies across the South Coast.
Why Tetrault Insurance
Tetrault Insurance is a family-owned agency, not a branch office of a national chain. We have one location, one team, and one phone number. When you call, you talk to someone who knows your name and your policy.
As an independent agency, we work with multiple insurance companies and compare rates across them. If one carrier raises your rate at renewal, we shop the market for you without starting from scratch. We are based on Acushnet Avenue in New Bedford, and we are involved in the South Coast community.
“I’ve been with Tetrault since I got my license 20 years ago. I remember going there with my parents as a kid and eating M&M’s from the counter. When I hit a deer a year and a half ago, they walked me through it and helped me every way they could. Last Friday someone rear-ended me, and by 11:30 that morning I was in a rental with everything settled. Wonderful business with wonderful people.”
“Everyone here is knowledgeable and friendly. I have all my business and personal insurance with Tetrault. My workers’ comp and liability insurance are excellent. I just bought a new car and all it took was one phone call and everything was taken care of.”
“I originally called about a form after my mom passed away. The person I spoke to was very kind about the situation. When she asked if there was anything else she could help with, I jokingly said my premium had gone up. She could have just apologized and said that’s the rate. Instead she looked around and found me a policy that saved me a lot of money. That phone call ended up making my day.”
“Everyone who works here is great. They found me a new auto insurance that cut my yearly bill in half. I’m grateful to work with Tetrault Insurance.”
Frequently Asked Questions
Is Freetown in a flood zone?
Parts of it. Properties along the Assonet River, Assonet Bay, and their tributary coves sit in FEMA-designated flood zones. The rest of the town is largely upland. Whether you need flood insurance depends on where your specific parcel falls on the map, not on the town name. Standard homeowners policies never cover flood. We can look up your flood zone and tell you what a policy would involve.
How much does car insurance cost in Freetown?
Rates depend on your driving record, vehicle, coverage levels, and carrier. Massachusetts is a managed-competition state, so carriers set their own rates subject to Division of Insurance approval. Freetown garaging addresses can price differently depending on whether the vehicle sits in Assonet or East Freetown. Comparing quotes through an independent agent is the most efficient way to find competitive pricing. Call us at (508) 995-8365 for a comparison.
What is the difference between an independent agency and a captive agent?
A captive agent works for one insurance company and can only sell that company’s products. An independent agency like Tetrault works with multiple carriers and can compare rates and coverage across them. We shop the market on your behalf rather than being limited to one company’s offerings.
Get a Free Quote
We compare rates across multiple carriers to find the right fit.
Request a Quote Call (508) 995-8365Serving the South Coast
Stop By Our New Bedford Office
Our office is at 4317 Acushnet Avenue in New Bedford, off Route 140 at the Acushnet Avenue exit. From Assonet, take Route 24 south to I-195 east and follow Route 140 north. From East Freetown, come south through Acushnet on Main Street.
Stop by our office Monday through Friday, 8:30 a.m. to 5:00 p.m. (closed 12:30 to 1:30 p.m. for lunch). On-site parking is available. Hit “Request Directions” below to pull up the route from wherever you are, or call ahead at (508) 995-8365 if you have questions before your visit.
Request DirectionsWe Protect You Like Family
Finding the right insurance should not mean settling for whatever one company offers or spending hours calling around for quotes. As an independent agency on the South Coast, we do the comparison work for you, matching your coverage needs to the best rates across multiple carriers. Whether you need car insurance, homeowners coverage, or a policy for a contractor or trades business, our team at 4317 Acushnet Avenue in New Bedford is here to help. We have been protecting South Coast families and businesses since 1980, and we would like to do the same for you. Call now to get started.
Call (508) 995-8365