Your South Coast Insurance Partner
Insurance Agency Serving Wareham, MA
Wareham is the gateway to Cape Cod, and the traffic, the seasonal population swing, and the coastal exposure all show up in what insurance should look like here. Tetrault Insurance compares rates across multiple carriers to find coverage that fits your situation.
Car Insurance in Wareham, 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 Wareham
Wareham sits at the intersection of every highway heading onto or off of Cape Cod. I-195 and I-495 both terminate here. Route 25 continues east to the Bourne Bridge. Route 6 and Route 28 merge as the Cranberry Highway, the town’s main commercial strip, before splitting apart again toward the Cape. That makes Wareham the funnel point for summer traffic from three directions, and the backup on Friday afternoons and Sunday evenings is a regional constant.
One Wareham intersection appears on the current Southeastern Massachusetts list of the 100 most dangerous intersections: Cranberry Highway (Routes 6 and 28) at Glen Charlie Road and Depot Street, ranked 37th with 88 crashes between 2018 and 2022. That is where the highway retail strip, the Route 25 feeder traffic, and local cross traffic all converge. The rest of the town’s exposure is seasonal: Cape-bound volume on every route through town from May through September, plus narrow village roads in Onset and along the waterfront.
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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 Wareham Drivers Need More
Cape-bound traffic funneling through a single town, a ranked intersection on the Cranberry Highway, and seasonal volume that doubles the cars on the road for four months of the year produce a wider range of accident scenarios than the year-round population would suggest. 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 Wareham residents need.
Homeowners and Flood Insurance
Wareham has more waterfront than most towns its size: Onset Bay, Buttermilk Bay, the Weweantic River, and the Wareham River all create flood exposure. Properties in Onset, along the bays, and near the rivers may sit in FEMA-designated flood zones, and standard homeowners insurance does not cover flood damage. That is always a separate policy. One-third of Wareham’s housing units are seasonal, which changes the coverage calculation. A home occupied only part of the year may need a seasonal dwelling endorsement rather than a standard homeowners policy. We look at how the property is actually used before recommending limits.
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
Wareham’s business base runs from the Cranberry Highway retail corridor to cranberry operations, marine services, contractors, and seasonal tourism in Onset. A retailer needs a business owners policy and general liability. A seasonal operation needs limits that match how it actually trades. 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, a straight run west on I-195, 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
Do I need flood insurance in Wareham?
Much of the town’s waterfront, including Onset, Buttermilk Bay, and the river areas, sits in FEMA-designated flood zones. If your property is in a mapped zone, your mortgage lender likely requires flood coverage. Outside a mapped zone, flood damage can still occur from heavy rain or storm surge. Standard homeowners policies never cover flood. We can look up your zone and tell you what a policy would involve.
How much does car insurance cost in Wareham?
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. Wareham’s position at the Cape Cod gateway means seasonal traffic patterns can affect how carriers view the garaging address. 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 Wareham, take I-195 west through Fairhaven and follow Route 140 north.
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 or flood coverage, a seasonal dwelling policy, or a business policy, 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