Cheapest Car Insurance Quotes in South Yarmouth

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South Yarmouth Car Insurance

^$ 17

/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 Yarmouth

The car insurance rate in South Yarmouth is $1517 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $442, making it a popular choice for budget-conscious drivers. Rates in South Yarmouth 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 Yarmouth

$1517

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in South Yarmouth

1st place: Safety Group

At $442 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 $518 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $658 for six months, making it the third cheapest auto insurance company in South Yarmouth.

South Yarmouth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Yarmouth, MA is Safety Group, offering policies at just $442 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $518.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4916 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Yarmouth drivers find the best deals.

Cheap Car Insurance Companies in South Yarmouth, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$442	$73
Vermont Mutual	$518	$88
Safety	$658	$110
American Family	$741	$125
Hanover	$818	$138
Arbella	$830	$141
State Farm	$900	$151
Norfolk & Dedham	$988	$168
Farmers	$1040	$173
Norfolk & Dedham Mutl Fire Ins	$1046	$178
Travelers	$1170	$195
Plymouth Rock	$1358	$229
Progressive	$1976	$333
USAA	$2640	$445
Allstate	$4240	$714
Amica Mutual	$4916	$836

Key Takeaways

Way's key takeaways about car insurance in South Yarmouth

The auto insurance costs in South Yarmouth fall around $442 for six months.
The cheapest auto insurance company in South Yarmouth is State Farm.
Teen drivers pay the highest rate in South Yarmouth at $763 per month.

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Cheapest Minimum Liability Car Insurance in South Yarmouth

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 Yarmouth are given below.

State Farm provides the cheapest minimum car insurance coverage in South Yarmouth. Their Average 6 Month Premium is $100. Allstate is the most expensive at $452 for the same period.

Cheapest Liability Coverage in South Yarmouth, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$100	$17
Safety Group	$142	$24
Vermont Mutual	$148	$25
American Family	$176	$30
Hanover	$200	$34
Plymouth Rock	$218	$37
Amica Mutual	$236	$40
Chubb	$236	$40
USAA	$252	$43
Norfolk & Dedham Mutl Fire Ins	$258	$44
Farmers	$270	$46
Safety	$282	$48
Norfolk & Dedham	$288	$49
The Hanover	$288	$49
Amica	$294	$50
Arbella	$306	$52
Travelers	$324	$54
Progressive	$436	$73
Allstate	$452	$75

Cheapest Full Coverage Car Insurance in South Yarmouth

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 Yarmouth is Safety Group at $73 per month and $442 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Yarmouth, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$442	$73
Vermont Mutual	$518	$88
Safety	$658	$110
American Family	$741	$125
Hanover	$818	$138
Arbella	$830	$141
State Farm	$900	$151
Norfolk & Dedham	$988	$168
Farmers	$1040	$173
Norfolk & Dedham Mutl Fire Ins	$1046	$178
Travelers	$1170	$195
Plymouth Rock	$1358	$229
Progressive	$1976	$333
USAA	$2640	$445
Allstate	$4240	$714
Amica Mutual	$4916	$836

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Average Car Insurance in South Yarmouth 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 Yarmouth, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in South Yarmouth, 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 Yarmouth'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 Yarmouth

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	$355
30s	State Farm	$287
40s	State Farm	$287
50s	State Farm	$287
60s	State Farm	$253
70s	State Farm	$219

Cheapest Car Insurance Rates for Teen Drivers in South Yarmouth,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 Yarmouth at $26 per month. At $4487 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$152	$26
Vermont Mutual	$164	$28
Hanover	$188	$32
American Family	$206	$35
Safety	$264	$45
Farmers	$306	$52
State Farm	$442	$74
Plymouth Rock	$706	$119
USAA	$1082	$182
Amica Mutual	$2400	$408
Progressive	$3022	$504
Allstate	$4487	$763

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 Yarmouth.

As young drivers face the highest rates in South Yarmouth, State Farm offers the cheapest auto insurance rates at $355 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 Yarmouth.

Car Insurance Rates with An Accident in South Yarmouth

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

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

The cheapest car insurance companies after an at-fault accident in South Yarmouth include American Family and Safety Group, offering $242 and $270, respectively. Allstate is an expensive provider with an average six-month premium of $2023.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$242	$41
Safety Group	$270	$46
Vermont Mutual	$276	$47
State Farm	$294	$50
Norfolk & Dedham	$464	$77
The Hanover	$500	$85
Plymouth Rock	$541	$91
Arbella	$676	$114
Safety	$712	$120
USAA	$824	$139
Travelers	$1094	$184
Hanover	$1112	$187
Progressive	$1252	$211
Amica Mutual	$1312	$223
Farmers	$1917	$320
Allstate	$2023	$344

South Yarmouth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Yarmouth MA. For example, the car insurance in South Yarmouth after a DUI increases to $736 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

South Yarmouth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$782	$131
One Med/PIP claim	$782	$133
Not-at-fault accident	$806	$135
One comp claim	$806	$137
Two Med/PIP claims	$806	$135
Two comp claims	$835	$142
At-fault accident - less than $1000	$864	$145
Child safety restraint	$894	$152
Driving without lights	$894	$149
Failure to wear a seat belt	$906	$154
Cell phone violation	$970	$161
Texting while driving	$970	$165
Driving too slowly	$976	$162
Failure to stop at a red light	$976	$166
Failure to yield	$976	$162
Following too closely	$976	$166
Illegal turn	$976	$162
Improper passing	$976	$166
Speeding 11 - 15 MPH over limit	$976	$162
Speeding 16 - 20 MPH over limit	$976	$166
Speeding 6 - 10 MPH over limit	$976	$162
Speeding in school zone	$976	$166
Wrong way/wrong lane	$976	$162
In 65 MPH zone	$982	$167
Speeding 21 - 25 MPH over limit	$982	$163
Operating a vehicle without permission	$988	$168
Passing school bus	$1030	$171
At-fault accident - $1000-$2000	$1212	$206
Failure to show documents	$1235	$206
At-fault accident - greater than $2000	$1240	$211
Driving with expired registration	$1246	$208
Open container	$1318	$224
Reckless driving	$1423	$238
Refusal to submit to a chemical test	$1452	$247
Driving with a suspended license	$1512	$251
Racing	$1512	$257
DUI	$1518	$252
Leaving scene of an accident/hit and run	$1535	$261

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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 Yarmouth 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 Yarmouth.

The cheapest car insurance premiums in South Yarmouth are offered by American Family at $294 for a six-month policy. However, it can be as expensive as $2511 with companies like Allstate.

South Yarmouth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$50
Safety Group	$324	$55
Vermont Mutual	$336	$55
State Farm	$358	$60
Plymouth Rock	$652	$110
Progressive	$718	$121
Hanover	$912	$153
Arbella	$988	$166
USAA	$1400	$236
Safety	$1464	$248
Amica Mutual	$1712	$285
Travelers	$1794	$305
Farmers	$2223	$370
Allstate	$2511	$427

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 Yarmouth are offered by State Farm at $130. However, it can be as expensive as $1546 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in South Yarmouth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$130	$22
Safety Group	$170	$29
Vermont Mutual	$194	$33
American Family	$242	$41
Plymouth Rock	$582	$98
Safety	$824	$140
Arbella	$830	$139
USAA	$852	$145
Hanover	$1018	$171
Progressive	$1088	$185
Farmers	$1312	$219
Travelers	$1546	$263

Car Insurance Price Trends in South Yarmouth, Massachusetts

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

The average cost of full coverage in the South Yarmouth dipped by $216 in December compared to $220 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 Yarmouth rose to $43 in December, compared to $42 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 Yarmouth?

The car insurance in South Yarmouth is $17 per month, which is lower than the national average.

What is the cheapest car insurance in South Yarmouth?

The cheapest car insurance in South Yarmouth is $73 per month for full coverage.

How much is car insurance in South Yarmouth for teenagers?

Car insurance for teenagers costs $152 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 Yarmouth?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $255 per month to insure your car in South Yarmouth.

Is car insurance expensive in South Yarmouth?

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

Cheapest Car Insurance Quotes in South Yarmouth

Why you can trust Way?

How Much Is Car Insurance in South Yarmouth

Avg. Car Insurance in South Yarmouth

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in South Yarmouth

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

South Yarmouth Car Insurance Rates by Company

Cheap Car Insurance Companies in South Yarmouth, MA

Way's key takeaways about car insurance in South Yarmouth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Yarmouth

Cheapest Liability Coverage in South Yarmouth, MA

Cheapest Full Coverage Car Insurance in South Yarmouth

Cheapest Full Coverage Car Insurance Quotes in South Yarmouth, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Yarmouth by Rating Factor

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

Car Insurance Premiums by Age in South Yarmouth

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Yarmouth

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

South Yarmouth Car Insurance Rates by Violation

South Yarmouth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Yarmouth after a DUI

South Yarmouth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Yarmouth after Speeding ticket

Car Insurance Price Trends in South Yarmouth, Massachusetts

Average Car Insurance Cost in South Yarmouth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Yarmouth, MA

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

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