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Finding the cheapest car insurance quotes in Sheffield 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 Sheffield
The car insurance rate in Sheffield is $1221 for a six-month policy, which is $287 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Sheffield 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 $361 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 $424 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $606
for six months, making it
the third cheapest auto insurance company in Sheffield.
Sheffield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sheffield, MA is Safety Group, offering policies at just $361 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $424.
At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $856 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sheffield drivers find the best deals.
Way's key takeaways about car insurance in Sheffield
The auto insurance costs in Sheffield fall around $361 for six
months.
The cheapest auto insurance company in Sheffield is State Farm.
Teen drivers pay the highest rate in Sheffield at $612 per
month.
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Cheapest Minimum Liability Car Insurance in Sheffield
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 Sheffield are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Sheffield. Their Average 6 Month Premium is $82.
Norfolk & Dedham Mutl Fire Ins is the most
expensive at $211 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 Sheffield is Safety Group
at $60 per month and $361
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sheffield,
MA
Get Your Car Insurance Quote in Sheffield
Instantly!
Average Car Insurance in Sheffield 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 Sheffield, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sheffield, 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, Sheffield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sheffield
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
$296
30s
State Farm
$239
40s
State Farm
$239
50s
State Farm
$239
60s
State Farm
$211
70s
State Farm
$182
Cheapest Car Insurance Rates for Teen Drivers in
Sheffield,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Sheffield at $21
per
month. At $3671 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 Sheffield.
As young drivers face the highest rates in Sheffield, State Farm
offers the cheapest auto insurance rates at $296 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 Sheffield,
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
Sheffield 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 Sheffield
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 Sheffield, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sheffield
The cheapest car insurance companies after an at-fault accident in
Sheffield include American Family
and Safety Group, offering $198
and $221,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1972.
Here is a list of driving violations that can increase your car
insurance rates in Sheffield MA. For example, the car
insurance in Sheffield
after a DUI increases to $602 for a six
month policy. While the rate increases by $159 for a six-month policy in the case of
a speeding ticket.
Sheffield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$640
$107
One Med/PIP claim
$640
$109
Not-at-fault accident
$659
$110
One comp claim
$659
$112
Two Med/PIP claims
$659
$110
Two comp claims
$683
$116
At-fault accident - less than $1000
$707
$118
Child safety restraint
$731
$125
Driving without lights
$731
$122
Failure to wear a seat belt
$741
$126
Cell phone violation
$794
$132
Texting while driving
$794
$135
Driving too slowly
$799
$133
Failure to stop at a red light
$799
$136
Failure to yield
$799
$133
Following too closely
$799
$136
Illegal turn
$799
$133
Improper passing
$799
$136
Speeding 11 - 15 MPH over limit
$799
$133
Speeding 16 - 20 MPH over limit
$799
$136
Speeding 6 - 10 MPH over limit
$799
$133
Speeding in school zone
$799
$136
Wrong way/wrong lane
$799
$133
In 65 MPH zone
$804
$137
Speeding 21 - 25 MPH over limit
$804
$134
Operating a vehicle without permission
$808
$138
Passing school bus
$842
$140
At-fault accident - $1000-$2000
$991
$168
Failure to show documents
$1010
$168
At-fault accident - greater than $2000
$1015
$173
Driving with expired registration
$1020
$170
Open container
$1078
$183
Reckless driving
$1164
$194
Refusal to submit to a chemical test
$1188
$202
Driving with a suspended license
$1237
$206
Racing
$1237
$211
DUI
$1242
$207
Leaving scene of an accident/hit and run
$1256
$214
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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 Sheffield 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 Sheffield.
The cheapest car insurance premiums in
Sheffield are
offered by American Family at $241 for a six-month policy.
However, it can be as
expensive as $2445 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 Sheffield are offered by State Farm
at $106. However,
it can be as expensive as $1477
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Sheffield after Speeding ticket
Car Insurance Price Trends in Sheffield,
Massachusetts
Car insurance rates in Sheffield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sheffield remained steady at $186 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Sheffield remained steady at $41 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in Sheffield 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
Sheffield. At $2442 for a
six-month policy, insuring
your car at 1257 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 Sheffield?
The car insurance in Sheffield is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Sheffield?
The cheapest car insurance in Sheffield
is $60 per month
for full coverage.
How much is car insurance in Sheffield for teenagers?
Car insurance for teenagers costs $125 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
Sheffield?
The average cost of car insurance is $1508 for a six-month
policy. It will cost around $206 per month to insure your
car in Sheffield.
Is car insurance expensive in Sheffield?
Car insurance can be expensive in Sheffield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sheffield can be
affordable.
What is the best car insurance in Sheffield,
MA?
The best car insurance company in Sheffield
MA is
Safety Group, offering $361 for a
six-month policy.
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