Cheapest Car Insurance Quotes in North Adams

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North Adams Car Insurance

^$ 33

/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 North Adams

The car insurance rate in North Adams is $1131 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in North Adams 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 North Adams

$1131

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in North Adams

1st place: Travelers

At $463 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $581 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in North Adams.

North Adams Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Adams, MI is Travelers, offering policies at just $463 for a six-month term. This is followed by USAA, which has an average six-month premium of $581.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $765 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Adams drivers find the best deals.

Cheap Car Insurance Companies in North Adams, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$463	$78
USAA	$581	$98
Encompass	$642	$107
Auto-Owners Insurance Co	$659	$112
Chubb	$693	$116
Auto-Owners	$776	$131
AAA	$792	$133
Farm Bureau Ins of MI	$815	$138
Pioneer State Mutual Ins Co	$887	$148
Progressive	$887	$149
Westfield	$1105	$186
Farm Bureau	$1246	$212
State Farm	$1586	$267
Allstate	$1692	$288
Bristol West	$2205	$368
Farmers	$3428	$583
Hastings Mutual	$765	$128

Key Takeaways

Way's key takeaways about car insurance in North Adams

The auto insurance costs in North Adams fall around $463 for six months.
The cheapest auto insurance company in North Adams is Travelers.
Teen drivers pay the highest rate in North Adams at $908 per month.

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Cheapest Minimum Liability Car Insurance in North Adams

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 North Adams are given below.

Travelers provides the cheapest minimum car insurance coverage in North Adams. Their Average 6 Month Premium is $196. Hastings Mutual is the most expensive at $335 for the same period.

Cheapest Liability Coverage in North Adams, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$196	$33
Westfield	$207	$35
USAA	$262	$44
Encompass	$268	$45
Chubb	$285	$47
Auto-Owners Insurance Co	$307	$53
Auto-Owners	$363	$61
Farm Bureau Ins of MI	$397	$68
Progressive	$408	$69
AAA	$486	$83
Farm Bureau	$614	$102
Allstate	$720	$122
Bristol West	$921	$153
State Farm	$988	$166
Farmers	$1781	$297
Hastings Mutual	$335	$55

Cheapest Full Coverage Car Insurance in North Adams

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 North Adams is Travelers at $78 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Adams, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$463	$78
USAA	$581	$98
Encompass	$642	$107
Auto-Owners Insurance Co	$659	$112
Chubb	$693	$116
Auto-Owners	$776	$131
AAA	$792	$133
Farm Bureau Ins of MI	$815	$138
Pioneer State Mutual Ins Co	$887	$148
Progressive	$887	$149
Westfield	$1105	$186
Farm Bureau	$1246	$212
State Farm	$1586	$267
Allstate	$1692	$288
Bristol West	$2205	$368
Farmers	$3428	$583
Hastings Mutual	$765	$128

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Average Car Insurance in North Adams 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 North Adams, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in North Adams, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, North Adams's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in North Adams

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	Chubb	$262
30s	USAA	$199
40s	USAA	$191
50s	USAA	$183
60s	Chubb	$167
70s	Chubb	$183

Cheapest Car Insurance Rates for Teen Drivers in North Adams,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the North Adams at $39 per month. At $5449 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$229	$39
Westfield	$245	$41
Encompass	$268	$45
Chubb	$319	$55
Auto-Owners Insurance Co	$335	$55
Grange	$435	$74
USAA	$883	$149
Auto-Owners	$1056	$178
AAA	$1407	$237
Farm Bureau	$2027	$345
Progressive	$2172	$366
Allstate	$3663	$623
State Farm	$3758	$626
Farmers	$15723	$2673
Bristol West	$5449	$908

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in North Adams.

As young drivers face the highest rates in North Adams, Chubb offers the cheapest auto insurance rates at $262 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 North Adams, Travelers is the cheapest car insurance provider. At $374 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 North Adams is Farm Bureau Ins of MI, offering rates of around $1183 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$374	$64
Encompass	$385	$64
Progressive	$541	$92
Westfield	$570	$95
Auto-Owners Insurance Co	$603	$102
Pioneer State Mutual Ins Co	$737	$123
Grange	$932	$159
Farm Bureau Ins of MI	$1183	$197

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Car Insurance Rates with An Accident in North Adams

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 North Adams, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in North Adams

The cheapest car insurance companies after an at-fault accident in North Adams include Chubb and Westfield, offering $285 and $302, respectively. Pioneer State is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$49
Westfield	$302	$50
Auto-Owners Insurance Co	$352	$60
Encompass	$397	$66
Farm Bureau Ins of MI	$469	$80
Pioneer State Mutual Ins Co	$519	$86
Travelers	$553	$93
USAA	$693	$117
Progressive	$765	$129
Auto-Owners	$854	$144
AAA	$1094	$184
Farm Bureau	$1525	$254
State Farm	$1736	$295
Allstate	$2697	$449
Farmers	$4818	$820
Pioneer State	$447	$74

North Adams Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Adams MI. For example, the car insurance in North Adams after a DUI increases to $2256 for a six month policy. While the rate increases by $1229 for a six-month policy in the case of a speeding ticket.

North Adams auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1229	$205
Failure to wear a seat belt	$1457	$248
Cell phone violation	$1546	$258
Texting while driving	$1546	$263
Illegal turn	$1552	$259
Wrong way/wrong lane	$1552	$264
Speeding in school zone	$1575	$262
Driving with expired registration	$1586	$270
Failure to stop at a red light	$1603	$267
Improper passing	$1603	$273
Speeding 16 - 20 MPH over limit	$1781	$297
Open container	$2099	$357
Driving with a suspended license	$2351	$392
Racing	$3032	$515
Reckless driving	$3295	$549
Leaving scene of an accident/hit and run	$3378	$574
DUI	$3485	$581

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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 North Adams 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 North Adams.

The cheapest car insurance premiums in North Adams are offered by Chubb at $285 for a six-month policy. However, it can be as expensive as $8799 with companies like Allstate.

North Adams car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$47
Auto-Owners Insurance Co	$754	$128
Grange	$760	$127
Progressive	$809	$136
Pioneer State Mutual Ins Co	$916	$152
USAA	$988	$166
Travelers	$1122	$187
Auto-Owners	$1698	$286
Westfield	$1848	$311
AAA	$1909	$321
Bristol West	$2613	$435
Farmers	$2680	$451
Farm Bureau	$3172	$528
State Farm	$3992	$672
Allstate	$8799	$1466

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 North Adams are offered by Westfield at $245. However, it can be as expensive as $11106 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Adams after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Chubb	$285	$47
Encompass	$302	$52
Travelers	$368	$61
Auto-Owners Insurance Co	$391	$67
Farm Bureau Ins of MI	$558	$93
USAA	$581	$99
Grange	$592	$99
Auto-Owners	$815	$138
Progressive	$1195	$201
AAA	$1212	$206
Farm Bureau	$1217	$203
Allstate	$2205	$375
State Farm	$3702	$617
Farmers	$11106	$1888

Car Insurance Price Trends in North Adams, Michigan

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

The average cost of full coverage in the North Adams dipped by $252 in December compared to $259 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the North Adams rose to $84 in December, compared to $77 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in North Adams?

The car insurance in North Adams is $33 per month, which is lower than the national average.

What is the cheapest car insurance in North Adams?

The cheapest car insurance in North Adams is $78 per month for full coverage.

How much is car insurance in North Adams for teenagers?

Car insurance for teenagers costs $229 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 North Adams?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $190 per month to insure your car in North Adams.

Is car insurance expensive in North Adams?

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

Cheapest Car Insurance Quotes in North Adams

Why you can trust Way?

How Much Is Car Insurance in North Adams

Avg. Car Insurance in North Adams

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in North Adams

1st place: Travelers

2nd place: USAA

3rd place: Encompass

North Adams Car Insurance Rates by Company

Cheap Car Insurance Companies in North Adams, MI

Way's key takeaways about car insurance in North Adams

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Adams

Cheapest Liability Coverage in North Adams, MI

Cheapest Full Coverage Car Insurance in North Adams

Cheapest Full Coverage Car Insurance Quotes in North Adams, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Adams by Rating Factor

I have a clean driving record. Why is my car insurance rate here in North Adams, MI increasing?

Car Insurance Premiums by Age in North Adams

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Adams,MI

If you are in your twenties Chubb is the best choice for car insurance in North Adams.

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 North Adams

Cheapest Car Insurance Companies after an At-Fault Accident in North Adams

North Adams Car Insurance Rates by Violation

North Adams auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Adams after a DUI

North Adams car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Adams after Speeding ticket

Car Insurance Price Trends in North Adams, Michigan

Average Car Insurance Cost in North Adams by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Adams, MI

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

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