5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 21, 2024
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Table of contents
The average car insurance policy in Springfield, Massachusetts, costs $100 per month, which is comparable to the average Massachusetts rate of $174.
Springfield is the third-largest city in Massachusetts, with a dense population of drivers. In 2021, Springfield had some of the highest fatal accident rates in the Bay State,[1] which may have an effect on the cost of car insurance.
However, car insurance rates depend on a variety of personal and policy-related factors. You might pay more or less than Springfield’s average based on your situation.
Springfield drivers pay $111 per month for full coverage and $89 per month for liability-only coverage, on average.
Teen drivers usually pay the highest car insurance premiums in Springfield.
Drivers in Springfield must carry personal injury protection (PIP) coverage to meet the state’s no-fault insurance requirements.
Best car insurance companies in Springfield
Springfield drivers have many options for auto insurance, but each company has pros and cons. The best car insurance company for you will depend on your individual situation and unique coverage needs. Here are a few of the best car insurance companies in Springfield.
Best insurer for cheap rates: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
George
November 19, 2024
Service
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO sells homeowner, flood, life, business, and identity protection insurance, among other products.
AM Best gave GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected for a company of its size on the National Association of Insurance Commissioners (NAIC) Consumer Complaints Index.
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage
Best insurer for coverage options: Amica
User Reviews | 4.1 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $151/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $279/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent rate increases and poor claims processing.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent rate increases and poor claims processing.
Sidney
November 1, 2024
I expected more after so many years of loyalty!
Bill
October 15, 2024
House and Auto Comparison
Sheri
October 14, 2024
Love Amica
Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders rather than shareholders. The company has an A+ rating from AM Best for financial stability and credit. Amica offers numerous discounts to help drivers save and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.
Above-average J.D. Power customer satisfaction rating in New England
Offers multiple discounts and coverage options
Higher-than-average rates for drivers with traffic violations
Limited number of local offices
Best insurer for discounts: Travelers
User Reviews | 4.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more.
Travelers has fewer complaints than expected on the NAIC Consumer Complaints Index, and AM Best gave the company an A++ financial strength rating.
Accident forgiveness available
Robust coverage selections and discounts
Rideshare coverage only available in Colorado and Illinois
Below-average J.D. Power customer satisfaction rating in New England
Cheapest liability-only car insurance in Springfield
Liability-only car insurance is the minimum amount of car insurance the state requires. In Springfield, liability-only car insurance includes bodily injury and property damage liability insurance, personal injury protection (PIP), and uninsured motorist bodily injury liability insurance.[2]
A minimum-coverage policy is the cheapest car insurance you can get. However, the cost of liability-only car insurance will depend on several factors, including your insurer. In the Commonwealth of Massachusetts, drivers pay a monthly average of $117 for liability coverage.
These companies have the cheapest liability-only insurance in Springfield.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Midvale Home & Auto | $57 |
Safeco | $59 |
Liberty Mutual | $102 |
Cheapest full-coverage car insurance in Springfield
Full-coverage car insurance provides higher levels of protection than a minimum-coverage policy. In addition to liability and PIP, it includes collision and comprehensive insurance, which pay for your vehicle’s repairs after an at-fault accident, a hit-and-run, and non-collision damage, such as hail, floods, fire, and theft.
For some drivers in Springfield, full coverage is optional. But if you lease or finance your vehicle, your lender will probably require you to have full coverage. If you own your vehicle outright, having full coverage can still be beneficial. Without it, you’ll pay for most car repairs out of pocket.
On average, Massachusetts drivers pay $231 per month for full coverage. In the table below, you can see which car insurance companies in Springfield have the cheapest full-coverage insurance quotes.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Travelers | $82 |
Midvale Home & Auto | $100 |
Safeco | $139 |
Liberty Mutual | $168 |
Cheapest recent rates near Springfield, Massachusetts
Drivers in and around Springfield, Massachusetts have found policies from Embark, Liberty Mutual, MAPFRE, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 21, 2024
Car insurance requirements in Massachusetts
Car insurance is a legal requirement for all vehicle owners in Massachusetts. Because Massachusetts is a choice no-fault state, you must carry PIP, which covers your medical bills after an accident, regardless of which driver was responsible.
Additionally, you must carry a minimum amount of liability insurance and uninsured motorist bodily injury liability coverage.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability |
|
Property damage liability |
|
Uninsured motorist bodily injury liability |
|
Personal injury protection |
|
In addition to the minimum coverage requirements, many drivers can also benefit from optional policies. Here are some car insurance endorsements that you might consider adding for extra protection:
Accident forgiveness
Though not all insurance companies offer this, accident forgiveness waives your first minor accident so it doesn’t affect your premium.
Roadside assistance
Roadside assistance pays for basic roadside repairs, like flat tire changes, fuel delivery, and towing up to a certain distance.
Gap insurance
If you lease or finance your car and it gets totaled, gap insurance pays the difference between your car’s value and what you owe the lender.
Cheapest car insurance for drivers with an incident
Drivers with an incident on their record typically pay higher rates than drivers with a clean record. Violations like speeding tickets, at-fault accidents, and driving under the influence can all cause your premium to increase.
If you have incidents on your record, shopping around can potentially help you find a more affordable insurance policy.
Cheapest car insurance for drivers with a speeding ticket
If you get pulled over for speeding, most Springfield car insurance companies will raise your premium. You won’t see the rate increase until your policy renews, which is when your insurance company re-examines your driving record.
The rate increase after a speeding ticket may depend on a few things, like your insurance company, the severity of the incident, and your driving record. In Massachusetts, drivers with a speeding ticket pay a monthly average of $121 for liability-only insurance and $239 for full coverage. In the table below, you can see which Springfield insurance companies are the cheapest for drivers with a speeding ticket.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Travelers | $110 | #N/A |
Midvale Home & Auto | $134 | $76 |
Safeco | $186 | $80 |
Liberty Mutual | $226 | $136 |
Cheapest car insurance for drivers with an at-fault accident
In most cases, causing an accident will affect your car insurance premium. When your policy renews, your insurance company will recalculate your rate depending on the damages and your previous accident history. If you have accident forgiveness, you might avoid the rate hike, but the accident will still appear on your driving record.
An at-fault accident can raise full coverage rates to a monthly average of $330 for Bay State drivers, versus $231 for drivers with a clean record. These companies have the cheapest car insurance in Springfield for drivers with an at-fault accident.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Travelers | $118 | #N/A |
Midvale Home & Auto | $143 | $82 |
Safeco | $199 | $85 |
Liberty Mutual | $241 | $145 |
Cheapest car insurance for drivers with a DUI
Driving under the influence is one of the most serious traffic violations you can have on your record. If you get convicted of a DUI, you can expect your car insurance premium to increase significantly. Some Springfield insurance companies might even terminate your policy or refuse to renew your policy at the end of the coverage period.[3]
While drivers with a DUI often pay the highest car insurance rates, the rate increase after a DUI conviction will depend partly on your insurance company. On average, Massachusetts drivers with a DUI have an overall monthly insurance rate of $177.
The companies below have the cheapest monthly quotes for Springfield drivers with a DUI, based on Insurify rate data.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Travelers | $128 | #N/A |
Midvale Home & Auto | $155 | $88 |
Safeco | $216 | $92 |
Liberty Mutual | $261 | $158 |
Cheapest car insurance for seniors
Age is one of the factors that affect the cost of car insurance. Senior drivers pay higher rates than middle-aged drivers, on average. In most cases, car insurance rates decrease around age 35 and increase around age 75. Shopping around for new car insurance quotes before age 75 could help you lock in the best rates.
Senior drivers in Massachusetts pay an overall average of $126 per month for car insurance. In the table below, you can see which car insurance companies have the cheapest monthly quotes for seniors in Springfield.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Travelers | $58 | #N/A |
Midvale Home & Auto | $70 | $40 |
Safeco | $97 | $42 |
Liberty Mutual | $118 | $71 |
Cheapest car insurance for teens
Car insurance premiums are generally the highest for teenagers. Young drivers who are newly licensed have higher accident rates than older drivers and are more likely to make critical driving errors that lead to serious crashes.[4]
To reduce your car insurance rate, many insurance companies offer discounts for good students and insuring a vehicle with certain safety features. Young adults can also save money on car insurance by staying insured on their parents’ policies.
Massachusetts teens pay, on average, $429 for full coverage and $217 for liability-only insurance. These companies have the cheapest car insurance for teen drivers.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
---|---|---|
Travelers | $152 | #N/A |
Midvale Home & Auto | $185 | $105 |
Safeco | $257 | $110 |
Liberty Mutual | $312 | $188 |
How to get the cheapest car insurance in Springfield
Springfield car insurance rates are different for every person, depending on age, driving record, insurance company, and other factors. But you have a variety of ways to reduce your premium and get cheap car insurance in Springfield:[5]
Choose higher deductibles. For policies that require a deductible, like collision insurance, choosing a higher deductible will result in a lower monthly premium. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Bundle your policies. Most insurance companies will give you a discount for bundling two policies, like car insurance and homeowners insurance.
Maintain a clean driving record. People with good driving records usually pay the cheapest rates. Avoiding tickets, accidents, and insurance claims will help you maintain a low rate.
Compare quotes. Car insurance companies charge different rates for the same coverage types and limits. Comparing quotes from a few insurers will help you find the lowest rate for your situation.
Is car insurance more expensive in Springfield?
Drivers in Springfield pay less than the average American for car insurance. In the U.S., the average full-coverage policy costs $172 per month and the average liability-only policy costs $106. To compare, the average rates in Springfield are $111 per month for full coverage and $89 per month for liability-only coverage.
More cities in Massachusetts
Your location has a big influence on the cost of your car insurance policy. Factors like population density, the number of uninsured drivers, accident rates, and vehicle theft rates can all affect car insurance prices in different ZIP codes.
For example, the average cost of car insurance in Somerville is 26% lower than the average rate in Springfield. On the other hand, drivers in Worcester pay 21% more for car insurance than drivers in Springfield.
Below, you can see the average car insurance quotes in some other Massachusetts cities and how they compare to Springfield.
City ▲▼ | Average Monthly Quote ▲▼ | Compared to Springfield ▲▼ |
---|---|---|
Lowell | $113 | 1% |
New Bedford | $120 | 8% |
Quincy | $98 | -12% |
Somerville | $82 | -26% |
Worcester | $134 | 21% |
Springfield car insurance FAQs
If you’re shopping for car insurance in Springfield, the additional information below may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in Springfield, MA?
Car insurance in Springfield costs an average of $89 per month for liability-only coverage and $111 per month for full coverage, according to Insurify data.
What are the best car insurance companies in Springfield?
Amica, GEICO, and Travelers are some of the best car insurance companies in Springfield. They have low rates, relatively high Insurify Quality (IQ) Scores, and strong financial strength ratings from AM Best. But the best insurer for you will depend on many factors, including your age, ZIP code, the type of car you drive, and more.
How much car insurance do you need in Massachusetts?
To drive legally in Massachusetts, you need to have the following coverages:
$20,000 per person and $40,000 per accident for bodily injury liability
$5,000 per accident for property damage liability
$20,000 per person and $40,000 per accident for uninsured motorist bodily injury liability
$8,000 per person, per accident for personal injury protection
Is Massachusetts a no-fault state?
Massachusetts is a choice no-fault state. Drivers can choose either a no-fault auto insurance policy or a traditional tort liability policy.[6]
Does Massachusetts use credit-based insurance scores?
No. Massachusetts state law prohibits insurers from using credit information or credit-based insurance scores when determining car insurance rates.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Massachusetts
Sources
- Boston 25 News. "12 Massachusetts communities saw over half of state’s fatal auto pedestrian crashes in 2021."
- Mass.gov. "Understanding Auto Insurance."
- Mass.gov. "Massachusetts Consumer Bill of Rights for Automobile Insurance."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Background on: No-fault auto insurance."
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in