Best Cheap Car Insurance Companies in Worcester, Mass.
The five best car insurance options in Worcester are typically Plymouth Rock, Hanover, Farmers, Geico and Travelers. These companies provide rates that are lower than average for both minimum and full coverage in the city and do so while offering excellent customer service.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
How Much Is Car Insurance in Worcester, Mass.?
Our data shows that the average cost of minimum-coverage car insurance in Worcester is $70 per month or $839 per year. This is about 35% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $221 per month or $2,651 per year on average, which is about 32% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Worcester
Plymouth Rock offers the cheapest liability insurance with average rates of $41 per month or $488 per year. Hanover is the second-cheapest option in Worcester with average rates of $53 per month or $635 per year.
Liability coverage is the minimum coverage required by the state of Massachusetts. According to Massachusetts law, all drivers must either meet or exceed the following minimum requirements:
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$5,000 property damage liability per accident
$20,000 underinsured/uninsured motorist bodily injury coverage per person
$40,000 underinsured/uninsured motorist bodily injury coverage per accident
$8,000 personal injury protection (PIP)
Cheapest Full-Coverage Car Insurance in Worcester
A full-coverage car insurance policy can be pricey in Worcester. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Plymouth Rock is the cheapest full-coverage option with average rates of $134 per month or $1,611 per year.
Worcester Car Insurance Quotes by Driver Profile
Several different factors have an impact on how much you’ll pay for car insurance. Because of this, the company that’s cheapest for one person may not be the right choice for someone else. In this part, we’ll explore how much car insurance costs in Worcester based on a driver’s age and driving history.
Some quick ways to save on auto insurance in Worcester are by increasing your deductible, comparing quotes from various insurance agencies and dropping roadside assistance and medical payments coverage. You could also get low rates by bundling auto coverage with renters insurance, life insurance and home insurance if you’re a homeowner.
Worcester Car Insurance Cost by Age
Car insurance for teenagers is pricier on average because they have a higher chance of getting into accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $250 per month or $3,005 per year for car insurance in Worcester.
As drivers move out of their 20s, the cost of car insurance gets significantly cheaper. Below, you’ll find some examples of the average minimum cost of car insurance in Worcester for different age groups.
Cheapest Car Insurance in Worcester: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Plymouth Rock is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $153 per month or $1,834 per year. Travelers, Geico and Arbella also offer affordable insurance premiums for Worcester teens.
Worcester Car Insurance Cost by Driving Record
If a driver has been issued speeding tickets, gotten into car accidents or has a DUI, their car insurance rates will likely go up. On average, speeding can increase your rates by 22%, an at-fault accident by 63% and a DUI by 82%.
While each company has a different average price increase, we found that Plymouth Rock is best for Worcester policyholders with violations on their driving records. The table below shows average rates by company for drivers who’ve gotten either a speeding ticket, accident or DUI.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Worcester: Speeding Ticket
According to our data, Plymouth Rock offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $59 per month or $702 per year. Geico follows close behind with an average monthly rate of $63, while Arbella, Farmers and Travelers round out the top five options for cheap speeding ticket car insurance in Worcester.
Cheapest Car Insurance in Worcester: At-Fault Accident
Getting into a car accident where you were at fault can make insurance rates go up more than after getting a speeding ticket. Plymouth Rock and Arbella are the cheapest options here with average rates of about $64 per month and $80 per month, respectively.
Cheapest Car Insurance in Worcester: DUI
Getting a DUI is a large offense that can cause your car insurance rates in Worcester to go up by hundreds of dollars per year. Plymouth Rock is very cheap compared to other companies, offering average rates of $66 per month or $791 per year for drivers with a DUI. Hanover, Geico and Progressive are also good options with rates under $98 per month on average.
Cheap Car Insurance in Worcester, Mass.: The Bottom Line
While auto coverage in Worcester is 17% higher than Massachusetts car insurance and 35% more than the national average, there are still cheap providers to shop from. Plymouth Rock offers both the cheapest minimum and full insurance coverage in the city for about $41 per month and $134 per month, respectively.
Compare free quotes to find the company that meets your Massachusetts car insurance needs at the best rate. You can compare insurance products, get auto insurance quotes online or head to a Massachusetts-based insurance agent.
Cheapest Auto Insurance in Worcester, Mass.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Worcester, Mass.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.