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Finding the cheapest car insurance quotes in Shirley 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 Shirley
The car insurance rate in Shirley is $1379 for a six-month policy, which is $153 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Shirley 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 $401 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 $471 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $599
for six months, making it
the third cheapest auto insurance company in Shirley.
Shirley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Shirley, MA is Safety Group, offering policies at just $401 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $471.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4469 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shirley drivers find the best deals.
Way's key takeaways about car insurance in Shirley
The auto insurance costs in Shirley fall around $401 for six
months.
The cheapest auto insurance company in Shirley is State Farm.
Teen drivers pay the highest rate in Shirley at $694 per
month.
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Cheapest Minimum Liability Car Insurance in Shirley
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 Shirley are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Shirley. Their Average 6 Month Premium is $91.
Allstate is the most
expensive at $411 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 Shirley is Safety Group
at $67 per month and $401
for six months.
Cheapest Full Coverage Car Insurance Quotes in Shirley,
MA
Get Your Car Insurance Quote in Shirley
Instantly!
Average Car Insurance in Shirley 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 Shirley, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Shirley, 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, Shirley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Shirley
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
$323
30s
State Farm
$261
40s
State Farm
$261
50s
State Farm
$261
60s
State Farm
$230
70s
State Farm
$199
Cheapest Car Insurance Rates for Teen Drivers in
Shirley,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Shirley at $23
per
month. At $4079 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 Shirley.
As young drivers face the highest rates in Shirley, State Farm
offers the cheapest auto insurance rates at $323 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 Shirley,
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
Shirley 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 Shirley
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 Shirley, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Shirley
The cheapest car insurance companies after an at-fault accident in
Shirley include American Family
and Safety Group, offering $220
and $246,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1839.
Here is a list of driving violations that can increase your car
insurance rates in Shirley MA. For example, the car
insurance in Shirley
after a DUI increases to $669 for a six
month policy. While the rate increases by $176 for a six-month policy in the case of
a speeding ticket.
Shirley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$711
$119
One Med/PIP claim
$711
$121
Not-at-fault accident
$733
$122
One comp claim
$733
$124
Two Med/PIP claims
$733
$122
Two comp claims
$759
$129
At-fault accident - less than $1000
$786
$131
Child safety restraint
$813
$139
Driving without lights
$813
$135
Failure to wear a seat belt
$824
$140
Cell phone violation
$882
$147
Texting while driving
$882
$150
Driving too slowly
$887
$148
Failure to stop at a red light
$887
$151
Failure to yield
$887
$148
Following too closely
$887
$151
Illegal turn
$887
$148
Improper passing
$887
$151
Speeding 11 - 15 MPH over limit
$887
$148
Speeding 16 - 20 MPH over limit
$887
$151
Speeding 6 - 10 MPH over limit
$887
$148
Speeding in school zone
$887
$151
Wrong way/wrong lane
$887
$148
In 65 MPH zone
$893
$152
Speeding 21 - 25 MPH over limit
$893
$149
Operating a vehicle without permission
$898
$153
Passing school bus
$936
$156
At-fault accident - $1000-$2000
$1102
$187
Failure to show documents
$1122
$187
At-fault accident - greater than $2000
$1128
$192
Driving with expired registration
$1133
$189
Open container
$1198
$203
Reckless driving
$1293
$216
Refusal to submit to a chemical test
$1320
$224
Driving with a suspended license
$1374
$229
Racing
$1374
$234
DUI
$1380
$230
Leaving scene of an accident/hit and run
$1395
$238
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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 Shirley 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 Shirley.
The cheapest car insurance premiums in
Shirley are
offered by American Family at $267 for a six-month policy.
However, it can be as
expensive as $2282 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 Shirley are offered by State Farm
at $118. However,
it can be as expensive as $1406
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Shirley after Speeding ticket
Car Insurance Price Trends in Shirley,
Massachusetts
Car insurance rates in Shirley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Shirley dipped by
$196 in December
compared to $200 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 Shirley rose to $39 in December,
compared to $38 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Shirley. At $2757 for a
six-month policy, insuring
your car at 1464 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 Shirley?
The car insurance in Shirley is $15 per month, which is lower than the national average.
What is the cheapest car insurance in Shirley?
The cheapest car insurance in Shirley
is $67 per month
for full coverage.
How much is car insurance in Shirley for teenagers?
Car insurance for teenagers costs $139 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
Shirley?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $232 per month to insure your
car in Shirley.
Is car insurance expensive in Shirley?
Car insurance can be expensive in Shirley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Shirley can be
affordable.
What is the best car insurance in Shirley,
MA?
The best car insurance company in Shirley
MA is
Safety Group, offering $401 for a
six-month policy.
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Shirley Car Insurance
