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Finding the cheapest car insurance quotes in Hatfield shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Hatfield
The car insurance rate in Hatfield is $1272 for a six-month policy, which is $260 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Hatfield can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $370 for a six
month policy, Safety Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $434 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $552
for six months, making it
the third cheapest auto insurance company in Hatfield.
Hatfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hatfield, MA is Safety Group, offering policies at just $370 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $434.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hatfield drivers find the best deals.
Way's key takeaways about car insurance in Hatfield
The auto insurance costs in Hatfield fall around $370 for six
months.
The cheapest auto insurance company in Hatfield is State Farm.
Teen drivers pay the highest rate in Hatfield at $640 per
month.
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Cheapest Minimum Liability Car Insurance in Hatfield
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Hatfield are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Hatfield. Their Average 6 Month Premium is $84.
Allstate is the most
expensive at $379 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Hatfield is Safety Group
at $61 per month and $370
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hatfield,
MA
Get Your Car Insurance Quote in Hatfield
Instantly!
Average Car Insurance in Hatfield by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Hatfield, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hatfield, Massachusetts, may be increasing due to several external factors.
Massachusetts has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Hatfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hatfield
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
State Farm
$298
30s
State Farm
$241
40s
State Farm
$241
50s
State Farm
$241
60s
State Farm
$212
70s
State Farm
$183
Cheapest Car Insurance Rates for Teen Drivers in
Hatfield,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Hatfield at $22
per
month. At $3762 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Hatfield.
As young drivers face the highest rates in Hatfield, State Farm
offers the cheapest auto insurance rates at $298 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Hatfield,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Hatfield is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Hatfield
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Hatfield, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hatfield
The cheapest car insurance companies after an at-fault accident in
Hatfield include American Family
and Safety Group, offering $203
and $227,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1696.
Here is a list of driving violations that can increase your car
insurance rates in Hatfield MA. For example, the car
insurance in Hatfield
after a DUI increases to $616 for a six
month policy. While the rate increases by $162 for a six-month policy in the case of
a speeding ticket.
Hatfield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$656
$110
One Med/PIP claim
$656
$111
Not-at-fault accident
$676
$113
One comp claim
$676
$115
Two Med/PIP claims
$676
$113
Two comp claims
$700
$119
At-fault accident - less than $1000
$725
$121
Child safety restraint
$749
$128
Driving without lights
$749
$125
Failure to wear a seat belt
$759
$129
Cell phone violation
$813
$135
Texting while driving
$813
$139
Driving too slowly
$818
$136
Failure to stop at a red light
$818
$139
Failure to yield
$818
$136
Following too closely
$818
$139
Illegal turn
$818
$136
Improper passing
$818
$139
Speeding 11 - 15 MPH over limit
$818
$136
Speeding 16 - 20 MPH over limit
$818
$139
Speeding 6 - 10 MPH over limit
$818
$136
Speeding in school zone
$818
$139
Wrong way/wrong lane
$818
$136
In 65 MPH zone
$823
$140
Speeding 21 - 25 MPH over limit
$823
$137
Operating a vehicle without permission
$828
$141
Passing school bus
$863
$144
At-fault accident - $1000-$2000
$1016
$173
Failure to show documents
$1035
$173
At-fault accident - greater than $2000
$1040
$177
Driving with expired registration
$1045
$174
Open container
$1105
$188
Reckless driving
$1193
$199
Refusal to submit to a chemical test
$1218
$207
Driving with a suspended license
$1267
$211
Racing
$1267
$216
DUI
$1272
$212
Leaving scene of an accident/hit and run
$1287
$219
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Hatfield after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Hatfield.
The cheapest car insurance premiums in
Hatfield are
offered by American Family at $247 for a six-month policy.
However, it can be as
expensive as $2105 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Hatfield are offered by State Farm
at $109. However,
it can be as expensive as $1296
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Hatfield after Speeding ticket
Car Insurance Price Trends in Hatfield,
Massachusetts
Car insurance rates in Hatfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hatfield dipped by
$181 in December
compared to $184 of November. In other words, there has been an decrease by $3 when you
compare December and November.
The average cost of liability insurance in the Hatfield rose to $36 in December,
compared to $35 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Hatfield by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hatfield. At $2543 for a
six-month policy, insuring
your car at 1038 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Hatfield?
The car insurance in Hatfield is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Hatfield?
The cheapest car insurance in Hatfield
is $61 per month
for full coverage.
How much is car insurance in Hatfield for teenagers?
Car insurance for teenagers costs $128 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Hatfield?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $214 per month to insure your
car in Hatfield.
Is car insurance expensive in Hatfield?
Car insurance can be expensive in Hatfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hatfield can be
affordable.
What is the best car insurance in Hatfield,
MA?
The best car insurance company in Hatfield
MA is
Safety Group, offering $370 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hatfield, MA
Car Insurance Rates by State in the USA (2025 Update)
Hatfield Car Insurance
