Cheapest Car Insurance Quotes in Shelburne Falls

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Shelburne Falls 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 Shelburne Falls

The car insurance rate in Shelburne Falls is $1333 for a six-month policy, which is $199 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in Shelburne Falls 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 Shelburne Falls

$1333

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Shelburne Falls

1st place: Safety Group

At $388 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 $455 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $579 for six months, making it the third cheapest auto insurance company in Shelburne Falls.

Shelburne Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shelburne Falls, MA is Safety Group, offering policies at just $388 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $455.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4320 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shelburne Falls drivers find the best deals.

Cheap Car Insurance Companies in Shelburne Falls, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$388	$64
Vermont Mutual	$455	$77
Safety	$579	$97
American Family	$651	$110
Hanover	$719	$121
Arbella	$729	$124
State Farm	$791	$133
Norfolk & Dedham	$868	$148
Farmers	$914	$152
Norfolk & Dedham Mutl Fire Ins	$920	$157
Travelers	$1028	$171
Plymouth Rock	$1194	$201
Progressive	$1737	$292
USAA	$2320	$391
Allstate	$3726	$627
Amica Mutual	$4320	$734

Key Takeaways

Way's key takeaways about car insurance in Shelburne Falls

The auto insurance costs in Shelburne Falls fall around $388 for six months.
The cheapest auto insurance company in Shelburne Falls is State Farm.
Teen drivers pay the highest rate in Shelburne Falls at $671 per month.

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Cheapest Minimum Liability Car Insurance in Shelburne Falls

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 Shelburne Falls are given below.

State Farm provides the cheapest minimum car insurance coverage in Shelburne Falls. Their Average 6 Month Premium is $88. Allstate is the most expensive at $398 for the same period.

Cheapest Liability Coverage in Shelburne Falls, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$88	$15
Safety Group	$124	$21
Vermont Mutual	$130	$22
American Family	$155	$26
Hanover	$176	$30
Plymouth Rock	$191	$32
Amica Mutual	$207	$35
Chubb	$207	$35
USAA	$222	$37
Norfolk & Dedham Mutl Fire Ins	$227	$38
Farmers	$238	$40
Safety	$248	$42
Norfolk & Dedham	$253	$43
The Hanover	$253	$43
Amica	$258	$44
Arbella	$269	$46
Travelers	$284	$48
Progressive	$383	$64
Allstate	$398	$66

Cheapest Full Coverage Car Insurance in Shelburne Falls

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 Shelburne Falls is Safety Group at $64 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shelburne Falls, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$388	$64
Vermont Mutual	$455	$77
Safety	$579	$97
American Family	$651	$110
Hanover	$719	$121
Arbella	$729	$124
State Farm	$791	$133
Norfolk & Dedham	$868	$148
Farmers	$914	$152
Norfolk & Dedham Mutl Fire Ins	$920	$157
Travelers	$1028	$171
Plymouth Rock	$1194	$201
Progressive	$1737	$292
USAA	$2320	$391
Allstate	$3726	$627
Amica Mutual	$4320	$734

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Average Car Insurance in Shelburne Falls 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 Shelburne Falls, MA increasing?

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

Car Insurance Premiums by Age in Shelburne Falls

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	$312
30s	State Farm	$252
40s	State Farm	$252
50s	State Farm	$252
60s	State Farm	$223
70s	State Farm	$192

Cheapest Car Insurance Rates for Teen Drivers in Shelburne Falls,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Shelburne Falls at $23 per month. At $3943 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$134	$23
Vermont Mutual	$144	$24
Hanover	$165	$28
American Family	$181	$30
Safety	$232	$39
Farmers	$269	$46
State Farm	$388	$65
Plymouth Rock	$620	$104
USAA	$951	$160
Amica Mutual	$2109	$358
Progressive	$2656	$443
Allstate	$3943	$671

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 Shelburne Falls.

As young drivers face the highest rates in Shelburne Falls, State Farm offers the cheapest auto insurance rates at $312 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 Shelburne Falls.

Car Insurance Rates with An Accident in Shelburne Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shelburne Falls

The cheapest car insurance companies after an at-fault accident in Shelburne Falls include American Family and Safety Group, offering $212 and $238, respectively. Allstate is an expensive provider with an average six-month premium of $1777.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$212	$36
Safety Group	$238	$40
Vermont Mutual	$243	$41
State Farm	$258	$44
Norfolk & Dedham	$408	$68
The Hanover	$439	$75
Plymouth Rock	$475	$80
Arbella	$594	$100
Safety	$626	$105
USAA	$724	$122
Travelers	$961	$162
Hanover	$977	$164
Progressive	$1101	$185
Amica Mutual	$1153	$196
Farmers	$1684	$281
Allstate	$1777	$302

Shelburne Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shelburne Falls MA. For example, the car insurance in Shelburne Falls after a DUI increases to $647 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Shelburne Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$687	$115
One Med/PIP claim	$687	$117
Not-at-fault accident	$708	$118
One comp claim	$708	$120
Two Med/PIP claims	$708	$118
Two comp claims	$733	$124
At-fault accident - less than $1000	$760	$127
Child safety restraint	$786	$134
Driving without lights	$786	$131
Failure to wear a seat belt	$796	$136
Cell phone violation	$853	$142
Texting while driving	$853	$145
Driving too slowly	$858	$143
Failure to stop at a red light	$858	$146
Failure to yield	$858	$143
Following too closely	$858	$146
Illegal turn	$858	$143
Improper passing	$858	$146
Speeding 11 - 15 MPH over limit	$858	$143
Speeding 16 - 20 MPH over limit	$858	$146
Speeding 6 - 10 MPH over limit	$858	$143
Speeding in school zone	$858	$146
Wrong way/wrong lane	$858	$143
In 65 MPH zone	$863	$147
Speeding 21 - 25 MPH over limit	$863	$144
Operating a vehicle without permission	$868	$148
Passing school bus	$905	$151
At-fault accident - $1000-$2000	$1065	$181
Failure to show documents	$1085	$181
At-fault accident - greater than $2000	$1090	$185
Driving with expired registration	$1095	$183
Open container	$1158	$197
Reckless driving	$1250	$209
Refusal to submit to a chemical test	$1276	$217
Driving with a suspended license	$1328	$221
Racing	$1328	$226
DUI	$1334	$222
Leaving scene of an accident/hit and run	$1349	$230

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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 Shelburne Falls 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 Shelburne Falls.

The cheapest car insurance premiums in Shelburne Falls are offered by American Family at $258 for a six-month policy. However, it can be as expensive as $2206 with companies like Allstate.

Shelburne Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$258	$44
Safety Group	$284	$49
Vermont Mutual	$295	$49
State Farm	$315	$53
Plymouth Rock	$573	$97
Progressive	$631	$106
Hanover	$801	$135
Arbella	$868	$146
USAA	$1230	$207
Safety	$1287	$218
Amica Mutual	$1504	$251
Travelers	$1576	$268
Farmers	$1953	$325
Allstate	$2206	$375

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 Shelburne Falls are offered by State Farm at $114. However, it can be as expensive as $1359 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Shelburne Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$114	$19
Safety Group	$150	$25
Vermont Mutual	$171	$29
American Family	$212	$36
Plymouth Rock	$512	$86
Safety	$724	$123
Arbella	$729	$122
USAA	$749	$127
Hanover	$894	$151
Progressive	$956	$163
Farmers	$1153	$192
Travelers	$1359	$231

Car Insurance Price Trends in Shelburne Falls, Massachusetts

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

The average cost of full coverage in the Shelburne Falls dipped by $190 in December compared to $193 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 Shelburne Falls remained steady at $37 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Shelburne Falls?

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

What is the cheapest car insurance in Shelburne Falls?

The cheapest car insurance in Shelburne Falls is $64 per month for full coverage.

How much is car insurance in Shelburne Falls for teenagers?

Car insurance for teenagers costs $134 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 Shelburne Falls?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $224 per month to insure your car in Shelburne Falls.

Is car insurance expensive in Shelburne Falls?

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

Cheapest Car Insurance Quotes in Shelburne Falls

Why you can trust Way?

How Much Is Car Insurance in Shelburne Falls

Avg. Car Insurance in Shelburne Falls

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Shelburne Falls

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Shelburne Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Shelburne Falls, MA

Way's key takeaways about car insurance in Shelburne Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shelburne Falls

Cheapest Liability Coverage in Shelburne Falls, MA

Cheapest Full Coverage Car Insurance in Shelburne Falls

Cheapest Full Coverage Car Insurance Quotes in Shelburne Falls, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shelburne Falls by Rating Factor

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

Car Insurance Premiums by Age in Shelburne Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shelburne Falls,MA

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

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 Shelburne Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Shelburne Falls

Shelburne Falls Car Insurance Rates by Violation

Shelburne Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shelburne Falls after a DUI

Shelburne Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shelburne Falls after Speeding ticket

Car Insurance Price Trends in Shelburne Falls, Massachusetts

Average Car Insurance Cost in Shelburne Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shelburne Falls, MA

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

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