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Get Cheap Car Insurance in Shirley, MA
We monitor insurance prices, helping the average driver in Shirley save up to 35.5% on car insurance.
The Cheapest Minimum Coverage in Shirley
The chart below shows the cheapest car insurance company in Shirley for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.
| Shirley Insurer | Monthly Cost |
|---|---|
| Safety Insurance | $40 |
| Geico | $43 |
| Midvale Home & Auto | $50 |
| Travelers | $63 |
Savings for Every Kind of Shirley Driver
Based on our extensive insurance data, we know the average Shirley driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $539 per year by choosing the right vehicle insurance company. Some Shirley residents are paying out over $1,576 extra every year for auto insurance in Shirley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Shirley, MA Savings / Yr. |
|---|---|
$539 |
|
$802 |
|
$667 |
|
$885 |
|
$1,951 |
|
$0 |
|
$0 |
Shirley Car Insurance vs. Massachusetts
People living in Shirley pay an average of 1.46% more than the typical driver in the state. The average driver in Shirley can expect to pay about $677 per year, or $1,576 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Shirley for most people.
Car Insurance Prices by Shirley Neighborhood
Insurance Prices
Where is insurance cheapest within Shirley?
The map shows insurance prices in and around Shirley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $169 per year within the city boundaries, with insurance premiums ranging from a high of $1,647 to a low of $1,478. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Shirley.Pick the Best Car Insurance Company for You in Shirley
The best car insurance provider for most drivers in Shirley
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $539 over the average Shirley car insurance company.
The best car insurance provider for Shirley drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $802 over the competition.
The best car insurance company for Shirley drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $667 better than other car insurance companies.
The best auto insurance for Shirley drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $885 less each year.
The least expensive car insurance company for new and young drivers in Shirley
In Shirley, State Farm costs young drivers $1,951 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Shirley
The cheapest car insurance in Shirley for drivers with bad credit
The best Shirley car insurance company for customer service
Recent price drops
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The cheapest large national provider in Shirley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Shirley driver can expect to pay about $85 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Shirley, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Shirley
What Influences the Cost of Car Insurance in Shirley?
On average, car insurance in Shirley is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Shirley is 39 minutes, which is about the national average for a driver in the state.
- Massachusetts state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Shirley is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Shirley is $56 per month for minimum coverage and $131 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Devens: Insurance costs 5.90% more
- Shirley Center: Insurance costs 5.20% less
- Harvard Station: Insurance costs 3.62% less
- Ayer: Insurance costs 1.27% less
- Still River: Insurance costs 3.81% less
- Lunenburg: Insurance costs 2.54% less
- Ponakin Mill: Insurance costs 1.97% less
- Harvard: Insurance costs 2.73% less
- Leominster: Insurance costs 3.05% more
- Townsend Harbor: Insurance costs 4.00% less
Cities with Similar Populations
- Williamsburg: Insurance costs 29.12% less
- Gas City: Insurance costs 25.82% less
- Gilford: Insurance costs 23.98% less
- Glen Head: Insurance costs 71.89% more
- Winfield: Insurance costs 16.31% more
- Windber: Insurance costs 13.71% less
- Willows: Insurance costs 19.73% more
- Willow Park: Insurance costs 4.12% more
- Williston Park: Insurance costs 71.19% more
- Williamstown: Insurance costs 4.51% less