Cheapest Car Insurance Quotes in Shirley

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Shirley Car Insurance

^$ 59

/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 Shirley

The car insurance rate in Shirley is $1389 for a six-month policy, which is $360 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $745, 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.

Avg. Car Insurance in Shirley

$1389

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Shirley

1st place: Kemper

At $745 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $987 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $995 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, NY is Kemper, offering policies at just $745 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $987.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2076 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.

Cheap Car Insurance Companies in Shirley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$745	$127
New York Central Mutual Fire	$987	$165
Progressive	$995	$167
American Family	$1154	$194
NYCM	$1211	$204
Erie	$1451	$242
Nationwide	$1459	$248
USAA	$1467	$247
State Farm	$1820	$306
Travelers	$1917	$323
Allstate	$2076	$350

Key Takeaways

Way's key takeaways about car insurance in Shirley

The auto insurance costs in Shirley fall around $745 for six months.
The cheapest auto insurance company in Shirley is New York Central Mutual Fire.
Teen drivers pay the highest rate in Shirley at $1058 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.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Shirley. Their Average 6 Month Premium is $352. Preferred Mutual is the most expensive at $930 for the same period.

Cheapest Liability Coverage in Shirley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$352	$59
NYCM	$369	$62
Kemper	$433	$72
Progressive	$513	$86
American Family	$521	$88
USAA	$633	$107
Nationwide	$674	$112
Erie	$851	$144
State Farm	$987	$166
Travelers	$1058	$178
Allstate	$1107	$186
Utica National	$770	$131
Preferred Mutual	$930	$155

Cheapest Full Coverage Car Insurance in Shirley

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 Kemper at $127 per month and $745 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shirley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$745	$127
New York Central Mutual Fire	$987	$165
Progressive	$995	$167
American Family	$1154	$194
NYCM	$1211	$204
Erie	$1451	$242
Nationwide	$1459	$248
USAA	$1467	$247
State Farm	$1820	$306
Travelers	$1917	$323
Allstate	$2076	$350

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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, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Shirley, New York, may be increasing due to several external factors. New York 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	National Grange Mutual	$760
30s	National Grange Mutual	$541
40s	National Grange Mutual	$521
50s	National Grange Mutual	$529
60s	National Grange Mutual	$570
70s	National Grange Mutual	$782

Cheapest Car Insurance Rates for Teen Drivers in Shirley,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Shirley at $84 per month. At $6287 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$505	$84
American Family	$609	$103
NYCM	$1018	$171
Progressive	$1612	$271
New York Central Mutual Fire	$1756	$293
USAA	$3224	$543
Nationwide	$4211	$702
Travelers	$5212	$878
Allstate	$5638	$949
State Farm	$6287	$1058

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Shirley.

As young drivers face the highest rates in Shirley, National Grange Mutual offers the cheapest auto insurance rates at $760 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, Chubb is the cheapest car insurance provider. At $1083 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 Progressive, offering rates of around $6985 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1083	$181
Kemper	$1131	$192
Nationwide	$1459	$243
USAA	$2021	$344
NYCM	$2109	$351
Erie	$2286	$389
American Family	$2687	$448
Allstate	$2750	$463
State Farm	$2847	$479
Mercury	$3344	$568
Travelers	$3416	$575
Progressive	$6985	$1176

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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, NY, 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 Kemper and American Family, offering $625 and $641, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $778.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$625	$104
American Family	$641	$108
NYCM	$778	$131
Erie	$851	$144
Chubb	$938	$157
Progressive	$1026	$173
New York Central Mutual Fire	$1187	$198
USAA	$1274	$215
Nationwide	$1917	$320
Allstate	$1933	$325
State Farm	$2334	$393
Travelers	$2373	$400
Utica National	$770	$131
Preferred Mutual	$778	$130

Shirley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shirley NY. For example, the car insurance in Shirley after a DUI increases to $962 for a six month policy. While the rate increases by $152 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	$1692	$282
One Med/PIP claim	$1692	$288
One comp claim	$1708	$285
Two comp claims	$1724	$293
Two Med/PIP claims	$1724	$288
Not-at-fault accident	$1732	$294
Failure to show documents	$1756	$293
Failure to wear a seat belt	$1764	$300
Driving with expired registration	$1781	$297
At-fault accident - less than $1000	$1789	$304
Cell phone violation	$1789	$298
Child safety restraint	$1789	$304
Driving without lights	$1789	$298
Failure to stop at a red light	$1789	$304
Failure to yield	$1789	$298
Following too closely	$1789	$304
Illegal turn	$1789	$298
Improper passing	$1789	$304
Passing school bus	$1789	$298
Texting while driving	$1789	$304
Wrong way/wrong lane	$1789	$298
Driving too slowly	$1805	$306
Speeding in school zone	$1805	$301
At-fault accident - $1000-$2000	$1812	$308
Speeding 11 - 15 MPH over limit	$1844	$308
Speeding 6 - 10 MPH over limit	$1844	$313
Operating a vehicle without permission	$1877	$313
Open container	$1901	$323
In 65 MPH zone	$1980	$331
Speeding 16 - 20 MPH over limit	$2005	$342
Speeding 21 - 25 MPH over limit	$2076	$346
At-fault accident - greater than $2000	$2237	$381
Reckless driving	$2390	$398
Racing	$2485	$423
Driving with a suspended license	$2574	$429
Refusal to submit to a chemical test	$2630	$447
DUI	$2654	$443
Leaving scene of an accident/hit and run	$2695	$458

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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 $609 for a six-month policy. However, it can be as expensive as $2719 with companies like State Farm.

Shirley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$609	$103
Kemper	$641	$109
Progressive	$778	$131
NYCM	$979	$165
New York Central Mutual Fire	$1443	$240
USAA	$1539	$259
Allstate	$2286	$385
Travelers	$2349	$396
Nationwide	$2381	$397
State Farm	$2719	$458

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 Shirley are offered by American Family at $537. However, it can be as expensive as $2758 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shirley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$537	$92
Kemper	$537	$89
Progressive	$666	$112
NYCM	$890	$149
USAA	$1211	$207
Nationwide	$1669	$278
State Farm	$1805	$306
Travelers	$2638	$440
Allstate	$2758	$468

Car Insurance Price Trends in Shirley, New York

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 $333 in December compared to $335 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Shirley dipped to $115 in December, compared to $119 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Shirley?

The car insurance in Shirley is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Shirley?

The cheapest car insurance in Shirley is $127 per month for full coverage.

How much is car insurance in Shirley for teenagers?

Car insurance for teenagers costs $505 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 $1029 for a six-month policy. It will cost around $234 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.

Cheapest Car Insurance Quotes in Shirley

Why you can trust Way?

How Much Is Car Insurance in Shirley

Avg. Car Insurance in Shirley

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Shirley

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Shirley Car Insurance Rates by Company

Cheap Car Insurance Companies in Shirley, NY

Way's key takeaways about car insurance in Shirley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shirley

Cheapest Liability Coverage in Shirley, NY

Cheapest Full Coverage Car Insurance in Shirley

Cheapest Full Coverage Car Insurance Quotes in Shirley, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shirley by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Shirley, NY increasing?

Car Insurance Premiums by Age in Shirley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shirley,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Shirley.

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 Shirley

Cheapest Car Insurance Companies after an At-Fault Accident in Shirley

Shirley Car Insurance Rates by Violation

Shirley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shirley after a DUI

Shirley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shirley after Speeding ticket

Car Insurance Price Trends in Shirley, New York

Average Car Insurance Cost in Shirley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shirley, NY

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

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