New Bedford has 100,998 residents in 42,271 households. We list 4 insurance agencies in New Bedford. Here is what the local numbers say about the cover people here need.

New Bedford at a glance

4insurance agencies listed
59.7%of households rentRenters insurance
$357,300median home valueHome insurance
1938median year homes were builtRebuild cost calculator
16.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Bristol County

FEMA rates the overall natural hazard risk in Bristol County, where most New Bedford agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Massachusetts
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Massachusetts

Massachusetts requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $30,000 of property damage liability, often written 25/50/30. It also requires personal injury protection ($8,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Massachusetts How much liability cover do you need?

Source: mass.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Where New Bedford agencies are

New Bedford agencies we list sit in 2 ZIP codes, mostly in Bristol County.

027402 agencies
027442 agencies

Questions

Insurance agencies in New Bedford

How do I find an insurance agency in New Bedford?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in New Bedford?

FEMA's National Risk Index rates inland flooding risk in Bristol County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in New Bedford?

59.7% of households in New Bedford rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near New Bedford

For insurance agencies

Is your New Bedford agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing