Cheapest Car Insurance Quotes in South Deerfield

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South Deerfield Car Insurance

^$ 14

/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 South Deerfield

The car insurance rate in South Deerfield is $1302 for a six-month policy, which is $230 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in South Deerfield 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 South Deerfield

$1302

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in South Deerfield

1st place: Safety Group

At $379 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 $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $565 for six months, making it the third cheapest auto insurance company in South Deerfield.

South Deerfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Deerfield, MA is Safety Group, offering policies at just $379 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $445.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Deerfield drivers find the best deals.

Cheap Car Insurance Companies in South Deerfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$379	$63
Vermont Mutual	$445	$76
Safety	$565	$94
American Family	$636	$107
Hanover	$702	$118
Arbella	$712	$121
State Farm	$773	$130
Norfolk & Dedham	$848	$145
Farmers	$893	$149
Norfolk & Dedham Mutl Fire Ins	$898	$153
Travelers	$1005	$167
Plymouth Rock	$1166	$196
Progressive	$1697	$286
USAA	$2267	$382
Allstate	$3641	$613
Amica Mutual	$4221	$717

Key Takeaways

Way's key takeaways about car insurance in South Deerfield

The auto insurance costs in South Deerfield fall around $379 for six months.
The cheapest auto insurance company in South Deerfield is State Farm.
Teen drivers pay the highest rate in South Deerfield at $655 per month.

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Cheapest Minimum Liability Car Insurance in South Deerfield

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 South Deerfield are given below.

State Farm provides the cheapest minimum car insurance coverage in South Deerfield. Their Average 6 Month Premium is $86. Allstate is the most expensive at $388 for the same period.

Cheapest Liability Coverage in South Deerfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$86	$14
Safety Group	$122	$20
Vermont Mutual	$127	$21
American Family	$151	$26
Hanover	$172	$29
Plymouth Rock	$187	$31
Amica Mutual	$202	$34
Chubb	$202	$34
USAA	$217	$37
Norfolk & Dedham Mutl Fire Ins	$222	$37
Farmers	$232	$39
Safety	$242	$41
Norfolk & Dedham	$247	$42
The Hanover	$247	$42
Amica	$252	$43
Arbella	$263	$45
Travelers	$278	$47
Progressive	$374	$63
Allstate	$388	$65

Cheapest Full Coverage Car Insurance in South Deerfield

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 South Deerfield is Safety Group at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Deerfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$379	$63
Vermont Mutual	$445	$76
Safety	$565	$94
American Family	$636	$107
Hanover	$702	$118
Arbella	$712	$121
State Farm	$773	$130
Norfolk & Dedham	$848	$145
Farmers	$893	$149
Norfolk & Dedham Mutl Fire Ins	$898	$153
Travelers	$1005	$167
Plymouth Rock	$1166	$196
Progressive	$1697	$286
USAA	$2267	$382
Allstate	$3641	$613
Amica Mutual	$4221	$717

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Average Car Insurance in South Deerfield 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 South Deerfield, MA increasing?

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

Car Insurance Premiums by Age in South Deerfield

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	$305
30s	State Farm	$247
40s	State Farm	$247
50s	State Farm	$247
60s	State Farm	$218
70s	State Farm	$188

Cheapest Car Insurance Rates for Teen Drivers in South Deerfield,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the South Deerfield at $22 per month. At $3852 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$131	$22
Vermont Mutual	$141	$24
Hanover	$162	$27
American Family	$177	$30
Safety	$227	$38
Farmers	$263	$45
State Farm	$379	$64
Plymouth Rock	$606	$102
USAA	$929	$156
Amica Mutual	$2060	$350
Progressive	$2595	$433
Allstate	$3852	$655

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 South Deerfield.

As young drivers face the highest rates in South Deerfield, State Farm offers the cheapest auto insurance rates at $305 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 South Deerfield.

Car Insurance Rates with An Accident in South Deerfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Deerfield

The cheapest car insurance companies after an at-fault accident in South Deerfield include American Family and Safety Group, offering $207 and $232, respectively. Allstate is an expensive provider with an average six-month premium of $1737.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$207	$35
Safety Group	$232	$39
Vermont Mutual	$237	$40
State Farm	$252	$43
Norfolk & Dedham	$399	$66
The Hanover	$429	$73
Plymouth Rock	$464	$78
Arbella	$581	$98
Safety	$611	$103
USAA	$707	$119
Travelers	$939	$158
Hanover	$955	$161
Progressive	$1075	$181
Amica Mutual	$1126	$191
Farmers	$1646	$275
Allstate	$1737	$295

South Deerfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Deerfield MA. For example, the car insurance in South Deerfield after a DUI increases to $631 for a six month policy. While the rate increases by $166 for a six-month policy in the case of a speeding ticket.

South Deerfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$672	$112
One Med/PIP claim	$672	$114
Not-at-fault accident	$692	$116
One comp claim	$692	$117
Two Med/PIP claims	$692	$116
Two comp claims	$717	$122
At-fault accident - less than $1000	$742	$124
Child safety restraint	$768	$131
Driving without lights	$768	$128
Failure to wear a seat belt	$778	$133
Cell phone violation	$833	$139
Texting while driving	$833	$142
Driving too slowly	$838	$139
Failure to stop at a red light	$838	$143
Failure to yield	$838	$139
Following too closely	$838	$143
Illegal turn	$838	$139
Improper passing	$838	$143
Speeding 11 - 15 MPH over limit	$838	$139
Speeding 16 - 20 MPH over limit	$838	$143
Speeding 6 - 10 MPH over limit	$838	$139
Speeding in school zone	$838	$143
Wrong way/wrong lane	$838	$139
In 65 MPH zone	$843	$144
Speeding 21 - 25 MPH over limit	$843	$140
Operating a vehicle without permission	$848	$145
Passing school bus	$884	$147
At-fault accident - $1000-$2000	$1040	$177
Failure to show documents	$1060	$177
At-fault accident - greater than $2000	$1065	$181
Driving with expired registration	$1070	$179
Open container	$1131	$192
Reckless driving	$1221	$204
Refusal to submit to a chemical test	$1247	$212
Driving with a suspended license	$1298	$216
Racing	$1298	$221
DUI	$1303	$217
Leaving scene of an accident/hit and run	$1318	$224

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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 South Deerfield 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 South Deerfield.

The cheapest car insurance premiums in South Deerfield are offered by American Family at $252 for a six-month policy. However, it can be as expensive as $2156 with companies like Allstate.

South Deerfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$252	$43
Safety Group	$278	$48
Vermont Mutual	$288	$48
State Farm	$308	$52
Plymouth Rock	$560	$94
Progressive	$616	$104
Hanover	$783	$132
Arbella	$848	$143
USAA	$1202	$202
Safety	$1257	$213
Amica Mutual	$1470	$245
Travelers	$1540	$262
Farmers	$1908	$318
Allstate	$2156	$366

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 South Deerfield are offered by State Farm at $111. However, it can be as expensive as $1328 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in South Deerfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$111	$19
Safety Group	$146	$25
Vermont Mutual	$167	$28
American Family	$207	$35
Plymouth Rock	$500	$84
Safety	$707	$120
Arbella	$712	$119
USAA	$732	$124
Hanover	$874	$147
Progressive	$934	$159
Farmers	$1126	$188
Travelers	$1328	$226

Car Insurance Price Trends in South Deerfield, Massachusetts

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

The average cost of full coverage in the South Deerfield dipped by $185 in December compared to $189 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 South Deerfield rose to $37 in December, compared to $36 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 South Deerfield?

The car insurance in South Deerfield is $14 per month, which is lower than the national average.

What is the cheapest car insurance in South Deerfield?

The cheapest car insurance in South Deerfield is $63 per month for full coverage.

How much is car insurance in South Deerfield for teenagers?

Car insurance for teenagers costs $131 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 South Deerfield?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $219 per month to insure your car in South Deerfield.

Is car insurance expensive in South Deerfield?

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

Cheapest Car Insurance Quotes in South Deerfield

Why you can trust Way?

How Much Is Car Insurance in South Deerfield

Avg. Car Insurance in South Deerfield

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in South Deerfield

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

South Deerfield Car Insurance Rates by Company

Cheap Car Insurance Companies in South Deerfield, MA

Way's key takeaways about car insurance in South Deerfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Deerfield

Cheapest Liability Coverage in South Deerfield, MA

Cheapest Full Coverage Car Insurance in South Deerfield

Cheapest Full Coverage Car Insurance Quotes in South Deerfield, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Deerfield by Rating Factor

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

Car Insurance Premiums by Age in South Deerfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Deerfield,MA

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

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 South Deerfield

Cheapest Car Insurance Companies after an At-Fault Accident in South Deerfield

South Deerfield Car Insurance Rates by Violation

South Deerfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Deerfield after a DUI

South Deerfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Deerfield after Speeding ticket

Car Insurance Price Trends in South Deerfield, Massachusetts

Average Car Insurance Cost in South Deerfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Deerfield, MA

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

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