Cheapest Car Insurance Quotes in Northampton

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Northampton Car Insurance

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/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Northampton

The car insurance rate in Northampton is $1394 for a six-month policy, which is $138 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $406, making it a popular choice for budget-conscious drivers. Rates in Northampton 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.

Avg. Car Insurance in Northampton

$1394

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Northampton

1st place: Safety Group

At $406 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 $476 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $605 for six months, making it the third cheapest auto insurance company in Northampton.

Northampton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Northampton, MA is Safety Group, offering policies at just $406 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $476.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4519 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northampton drivers find the best deals.

Cheap Car Insurance Companies in Northampton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$406	$67
Vermont Mutual	$476	$81
Safety	$605	$101
American Family	$681	$115
Hanover	$752	$126
Arbella	$763	$129
State Farm	$827	$139
Norfolk & Dedham	$908	$155
Farmers	$956	$159
Norfolk & Dedham Mutl Fire Ins	$962	$164
Travelers	$1076	$179
Plymouth Rock	$1249	$210
Progressive	$1816	$306
USAA	$2427	$409
Allstate	$3898	$656
Amica Mutual	$4519	$768

Key Takeaways

Way's key takeaways about car insurance in Northampton

The auto insurance costs in Northampton fall around $406 for six months.
The cheapest auto insurance company in Northampton is State Farm.
Teen drivers pay the highest rate in Northampton at $702 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Northampton

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 Northampton are given below.

State Farm provides the cheapest minimum car insurance coverage in Northampton. Their Average 6 Month Premium is $92. Allstate is the most expensive at $416 for the same period.

Cheapest Liability Coverage in Northampton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$92	$15
Safety Group	$130	$22
Vermont Mutual	$136	$23
American Family	$162	$27
Hanover	$184	$31
Plymouth Rock	$200	$34
Amica Mutual	$217	$36
Chubb	$217	$36
USAA	$232	$39
Norfolk & Dedham Mutl Fire Ins	$238	$40
Farmers	$248	$42
Safety	$259	$44
Norfolk & Dedham	$265	$45
The Hanover	$265	$45
Amica	$270	$46
Arbella	$281	$48
Travelers	$298	$50
Progressive	$400	$67
Allstate	$416	$69

Cheapest Full Coverage Car Insurance in Northampton

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 Northampton is Safety Group at $67 per month and $406 for six months.

Cheapest Full Coverage Car Insurance Quotes in Northampton, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$406	$67
Vermont Mutual	$476	$81
Safety	$605	$101
American Family	$681	$115
Hanover	$752	$126
Arbella	$763	$129
State Farm	$827	$139
Norfolk & Dedham	$908	$155
Farmers	$956	$159
Norfolk & Dedham Mutl Fire Ins	$962	$164
Travelers	$1076	$179
Plymouth Rock	$1249	$210
Progressive	$1816	$306
USAA	$2427	$409
Allstate	$3898	$656
Amica Mutual	$4519	$768

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Average Car Insurance in Northampton 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 Northampton, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Northampton, 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, Northampton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Northampton

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	$327
30s	State Farm	$264
40s	State Farm	$264
50s	State Farm	$264
60s	State Farm	$233
70s	State Farm	$201

Cheapest Car Insurance Rates for Teen Drivers in Northampton,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Northampton at $24 per month. At $4124 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$140	$24
Vermont Mutual	$151	$25
Hanover	$173	$29
American Family	$189	$32
Safety	$243	$41
Farmers	$281	$48
State Farm	$406	$68
Plymouth Rock	$649	$109
USAA	$995	$167
Amica Mutual	$2206	$375
Progressive	$2778	$463
Allstate	$4124	$702

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Northampton.

As young drivers face the highest rates in Northampton, State Farm offers the cheapest auto insurance rates at $327 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Northampton.

Car Insurance Rates with An Accident in Northampton

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 Northampton, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Northampton

The cheapest car insurance companies after an at-fault accident in Northampton include American Family and Safety Group, offering $222 and $248, respectively. Allstate is an expensive provider with an average six-month premium of $1859.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$222	$37
Safety Group	$248	$42
Vermont Mutual	$254	$43
State Farm	$270	$46
Norfolk & Dedham	$427	$71
The Hanover	$460	$78
Plymouth Rock	$497	$84
Arbella	$622	$105
Safety	$654	$110
USAA	$757	$127
Travelers	$1006	$169
Hanover	$1022	$172
Progressive	$1151	$194
Amica Mutual	$1206	$205
Farmers	$1762	$294
Allstate	$1859	$316

Northampton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Northampton MA. For example, the car insurance in Northampton after a DUI increases to $676 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Northampton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$719	$120
One Med/PIP claim	$719	$122
Not-at-fault accident	$741	$124
One comp claim	$741	$126
Two Med/PIP claims	$741	$124
Two comp claims	$767	$130
At-fault accident - less than $1000	$794	$133
Child safety restraint	$822	$140
Driving without lights	$822	$137
Failure to wear a seat belt	$833	$142
Cell phone violation	$892	$148
Texting while driving	$892	$152
Driving too slowly	$897	$149
Failure to stop at a red light	$897	$153
Failure to yield	$897	$149
Following too closely	$897	$153
Illegal turn	$897	$149
Improper passing	$897	$153
Speeding 11 - 15 MPH over limit	$897	$149
Speeding 16 - 20 MPH over limit	$897	$153
Speeding 6 - 10 MPH over limit	$897	$149
Speeding in school zone	$897	$153
Wrong way/wrong lane	$897	$149
In 65 MPH zone	$903	$154
Speeding 21 - 25 MPH over limit	$903	$150
Operating a vehicle without permission	$908	$155
Passing school bus	$946	$157
At-fault accident - $1000-$2000	$1114	$189
Failure to show documents	$1135	$189
At-fault accident - greater than $2000	$1140	$194
Driving with expired registration	$1146	$191
Open container	$1211	$206
Reckless driving	$1308	$218
Refusal to submit to a chemical test	$1335	$227
Driving with a suspended license	$1390	$231
Racing	$1390	$237
DUI	$1395	$232
Leaving scene of an accident/hit and run	$1411	$240

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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 Northampton 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 Northampton.

The cheapest car insurance premiums in Northampton are offered by American Family at $270 for a six-month policy. However, it can be as expensive as $2308 with companies like Allstate.

Northampton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$270	$46
Safety Group	$298	$51
Vermont Mutual	$308	$51
State Farm	$329	$56
Plymouth Rock	$600	$101
Progressive	$660	$111
Hanover	$838	$141
Arbella	$908	$153
USAA	$1287	$217
Safety	$1346	$228
Amica Mutual	$1573	$262
Travelers	$1649	$280
Farmers	$2043	$340
Allstate	$2308	$392

Cheapest car insurance after a speeding ticket

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 Northampton are offered by State Farm at $119. However, it can be as expensive as $1421 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Northampton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$119	$20
Safety Group	$157	$26
Vermont Mutual	$178	$30
American Family	$222	$37
Plymouth Rock	$535	$90
Safety	$757	$128
Arbella	$763	$127
USAA	$784	$133
Hanover	$935	$157
Progressive	$1000	$170
Farmers	$1206	$201
Travelers	$1421	$242

Car Insurance Price Trends in Northampton, Massachusetts

Car insurance rates in Northampton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Northampton dipped by $198 in December compared to $202 of November. In other words, there has been an decrease by $4 when you compare December and November.

The average cost of liability insurance in the Northampton rose to $39 in December, compared to $38 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Northampton?

The car insurance in Northampton is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Northampton?

The cheapest car insurance in Northampton is $67 per month for full coverage.

How much is car insurance in Northampton for teenagers?

Car insurance for teenagers costs $140 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 Northampton?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $235 per month to insure your car in Northampton.

Is car insurance expensive in Northampton?

Car insurance can be expensive in Northampton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Northampton can be affordable.

Cheapest Car Insurance Quotes in Northampton

Why you can trust Way?

How Much Is Car Insurance in Northampton

Avg. Car Insurance in Northampton

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Northampton

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Northampton Car Insurance Rates by Company

Cheap Car Insurance Companies in Northampton, MA

Way's key takeaways about car insurance in Northampton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Northampton

Cheapest Liability Coverage in Northampton, MA

Cheapest Full Coverage Car Insurance in Northampton

Cheapest Full Coverage Car Insurance Quotes in Northampton, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Northampton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Northampton, MA increasing?

Car Insurance Premiums by Age in Northampton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Northampton,MA

If you are in your twenties State Farm is the best choice for car insurance in Northampton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Northampton

Cheapest Car Insurance Companies after an At-Fault Accident in Northampton

Northampton Car Insurance Rates by Violation

Northampton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Northampton after a DUI

Northampton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Northampton after Speeding ticket

Car Insurance Price Trends in Northampton, Massachusetts

Average Car Insurance Cost in Northampton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Northampton, MA

Car Insurance Rates by State in the USA (2025 Update)

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