Compare Rates and Save on Auto Insurance

widget-location-pin

Plymouth Rock Assurance offers the best rates for military drivers and is ideal for full coverage and minimum coverage policies. Chubb is the most suitable option if you want the cheapest rates, the best customer service or have a speeding ticket or a DUI on your record. Arbella is the best insurer after an at-fault accident. Teens on a family policy can benefit the most from Progressive’s policies. After analyzing your needs and profile, you can determine the cheapest insurance provider for you.

MoneyGeek Logo IconCheapest + BestCar InsuranceSpringfield
2023

Cheapest and Best Car Insurance in Springfield, MA

Cheapest Minimum Liability Car Insurance in Springfield

Based on MoneyGeek’s analysis, the following companies offer the cheapest car insurance rates in Springfield:

  • Plymouth Rock Assurance: $375 per year
  • Hanover: $415 per year

State Farm is also affordable but only available to current policyholders. The insurer charges an average of $373 per year for a policy. Safety Group is the most expensive car insurance company, charging an average of $1,291 annually.

As of October 2022, Vermont Mutual offers the cheapest car insurance in Massachusettshttps://www.moneygeek.com/insurance/auto/cheapest-car-insurance-massachusetts/ on average, illustrating how the cheapest company can vary based on location.

Company
Annual Premium
Monthly Premium

State Farm

$283

$24

Hanover

$314

$26

Plymouth Rock Assurance

$364

$30

State Farm

$373

$31

State Farm

$373

$31

Plymouth Rock Assurance

$375

$31

Vermont Mutual

$380

$32

Hanover

$415

$35

Plymouth Rock Assurance

$471

$39

Chubb

$535

$45

Vermont Mutual

$543

$45

Hanover

$544

$45

Allstate

$547

$46

Arbella

$548

$46

GEICO

$550

$46

State Farm

$556

$46

Chubb

$561

$47

Vermont Mutual

$618

$52

American Family

$681

$57

American Family

$685

$57

Amica Mutual

$717

$60

Chubb

$725

$60

Arbella

$725

$60

State Farm

$731

$61

State Farm

$731

$61

Allstate

$731

$61

Arbella

$742

$62

Vermont Mutual

$769

$64

Amica Mutual

$774

$65

Amica Mutual

$784

$65

GEICO

$794

$66

Safety Group

$801

$67

American Family

$805

$67

Allstate

$809

$67

GEICO

$858

$72

Travelers

$862

$72

GEICO

$864

$72

Progressive

$874

$73

Hanover

$877

$73

Plymouth Rock Assurance

$895

$75

Plymouth Rock Assurance

$965

$80

Progressive

$1,001

$83

Allstate

$1,075

$90

Progressive

$1,091

$91

Vermont Mutual

$1,097

$91

Travelers

$1,129

$94

Hanover

$1,165

$97

Travelers

$1,168

$97

Arbella

$1,188

$99

Plymouth Rock Assurance

$1,214

$101

Vermont Mutual

$1,251

$104

GEICO

$1,258

$105

Safety Group

$1,291

$108

American Family

$1,295

$108

American Family

$1,323

$110

GEICO

$1,378

$115

Safety Group

$1,390

$116

Chubb

$1,423

$119

Allstate

$1,437

$120

Amica Mutual

$1,477

$123

Chubb

$1,481

$123

Hanover

$1,507

$126

American Family

$1,526

$127

Amica Mutual

$1,548

$129

Arbella

$1,562

$130

Allstate

$1,589

$132

Arbella

$1,596

$133

Progressive

$1,626

$136

Safety Group

$1,676

$140

Amica Mutual

$1,695

$141

Progressive

$1,761

$147

Travelers

$1,773

$148

Chubb

$1,907

$159

Progressive

$2,081

$173

Travelers

$2,254

$188

Travelers

$2,439

$203

Safety Group

$2,694

$225

Safety Group

$2,900

$242

In Massachusetts, a minimum coverage policy has bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection with the following limits:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident
  • $8,000 personal injury protection

The liability coverage limits show how much the insurer will cover in case of an accident. For instance, the maximum amount the insurer will cover if you damage property is $5,000. If the damage amount is higher, you are responsible for paying the difference.

Cheapest Full Coverage Car Insurance in Springfield

The following are the cheapest insurance providers of full coverage car insurance in Springfield:

  • Plymouth Rock Assurance: $965 per year
  • Vermont Mutual: $1,097 per year

State Farm is also one of the cheapest options, but its policies are only available for current policyholders in the state. It charges an average of $731 per year for a policy. Safety Group is the most expensive car insurance company, charging an average of $2,694 annually.

American Family offers the cheapest car insurance in Massachusetts, on average as of October 2022. Your location in the state can significantly impact your rates.

Company
Annual Premium
Monthly Premium

State Farm

$283

$24

Hanover

$314

$26

Plymouth Rock Assurance

$364

$30

State Farm

$373

$31

State Farm

$373

$31

Plymouth Rock Assurance

$375

$31

Vermont Mutual

$380

$32

Hanover

$415

$35

Plymouth Rock Assurance

$471

$39

Chubb

$535

$45

Vermont Mutual

$543

$45

Hanover

$544

$45

Allstate

$547

$46

Arbella

$548

$46

GEICO

$550

$46

State Farm

$556

$46

Chubb

$561

$47

Vermont Mutual

$618

$52

American Family

$681

$57

American Family

$685

$57

Amica Mutual

$717

$60

Chubb

$725

$60

Arbella

$725

$60

State Farm

$731

$61

State Farm

$731

$61

Allstate

$731

$61

Arbella

$742

$62

Vermont Mutual

$769

$64

Amica Mutual

$774

$65

Amica Mutual

$784

$65

GEICO

$794

$66

Safety Group

$801

$67

American Family

$805

$67

Allstate

$809

$67

GEICO

$858

$72

Travelers

$862

$72

GEICO

$864

$72

Progressive

$874

$73

Hanover

$877

$73

Plymouth Rock Assurance

$895

$75

Plymouth Rock Assurance

$965

$80

Progressive

$1,001

$83

Allstate

$1,075

$90

Progressive

$1,091

$91

Vermont Mutual

$1,097

$91

Travelers

$1,129

$94

Hanover

$1,165

$97

Travelers

$1,168

$97

Arbella

$1,188

$99

Plymouth Rock Assurance

$1,214

$101

Vermont Mutual

$1,251

$104

GEICO

$1,258

$105

Safety Group

$1,291

$108

American Family

$1,295

$108

American Family

$1,323

$110

GEICO

$1,378

$115

Safety Group

$1,390

$116

Chubb

$1,423

$119

Allstate

$1,437

$120

Amica Mutual

$1,477

$123

Chubb

$1,481

$123

Hanover

$1,507

$126

American Family

$1,526

$127

Amica Mutual

$1,548

$129

Arbella

$1,562

$130

Allstate

$1,589

$132

Arbella

$1,596

$133

Progressive

$1,626

$136

Safety Group

$1,676

$140

Amica Mutual

$1,695

$141

Progressive

$1,761

$147

Travelers

$1,773

$148

Chubb

$1,907

$159

Progressive

$2,081

$173

Travelers

$2,254

$188

Travelers

$2,439

$203

Safety Group

$2,694

$225

Safety Group

$2,900

$242

Full coverage policies include comprehensive and collision insurance.

  • Collision Insurance: Covers the cost to repair or replace your vehicle after an at-fault accident.
  • Comprehensive Insurance: Pays to repair or replace your car after damage incurred in a non-collision incident, such as theft.

You should avoid buying full coverage for an older vehicle, as the policy cost can be more than the vehicle’s value.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Springfield.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Springfield After a Driving Offense

The following companies offer the most affordable rates after driving violations in Springfield:

  • Speeding ticket: Chubb ($1,975 per year)
  • At-fault accident: Arbella ($2,010 per year)
  • DUI: Chubb ($3,254 per year)

State Farm charges affordable rates for speeding tickets, but its policies are only available to current customers. Its average policy cost is $833 per year.

Safety Group is the most expensive company, charging an average of $4,930 per year after an at-fault accident, $6,054 per year after a DUI and $3,209 per year after a speeding ticket.

Your policy cost will significantly increase after a violation, which means the cheapest insurer for you will cost more than the cheapest insurer for a safe driver.

Company
Annual Premium
Monthly Premium

State Farm

$336

$28

Hanover

$427

$36

State Farm

$445

$37

State Farm

$445

$37

State Farm

$477

$40

Vermont Mutual

$505

$42

Hanover

$540

$45

Allstate

$547

$46

Plymouth Rock Assurance

$554

$46

Hanover

$566

$47

State Farm

$571

$48

Plymouth Rock Assurance

$577

$48

Hanover

$587

$49

Plymouth Rock Assurance

$606

$51

Arbella

$607

$51

GEICO

$630

$53

Plymouth Rock Assurance

$632

$53

State Farm

$632

$53

State Farm

$634

$53

State Farm

$634

$53

Plymouth Rock Assurance

$639

$53

Plymouth Rock Assurance

$651

$54

Plymouth Rock Assurance

$687

$57

Plymouth Rock Assurance

$696

$58

Plymouth Rock Assurance

$697

$58

Hanover

$711

$59

Hanover

$716

$60

Vermont Mutual

$721

$60

Allstate

$731

$61

Vermont Mutual

$731

$61

Arbella

$748

$62

State Farm

$759

$63

State Farm

$759

$63

Chubb

$763

$64

Hanover

$775

$65

Chubb

$801

$67

Arbella

$804

$67

Allstate

$809

$67

Vermont Mutual

$822

$69

Arbella

$823

$69

State Farm

$833

$69

State Farm

$833

$69

State Farm

$834

$70

Hanover

$860

$72

GEICO

$876

$73

Vermont Mutual

$882

$74

GEICO

$884

$74

Amica Mutual

$885

$74

Hanover

$921

$77

GEICO

$926

$77

American Family

$930

$78

American Family

$930

$78

Allstate

$948

$79

American Family

$950

$79

American Family

$950

$79

Amica Mutual

$956

$80

Safety Group

$962

$80

Amica Mutual

$968

$81

State Farm

$985

$82

GEICO

$989

$82

Arbella

$993

$83

Progressive

$1,010

$84

Arbella

$1,016

$85

Chubb

$1,037

$86

Vermont Mutual

$1,043

$87

GEICO

$1,046

$87

Allstate

$1,075

$90

Arbella

$1,091

$91

Progressive

$1,093

$91

American Family

$1,095

$91

American Family

$1,095

$91

State Farm

$1,102

$92

State Farm

$1,102

$92

Chubb

$1,103

$92

Vermont Mutual

$1,106

$92

Progressive

$1,112

$93

American Family

$1,126

$94

Allstate

$1,143

$95

American Family

$1,148

$96

Chubb

$1,157

$96

Travelers

$1,162

$97

Vermont Mutual

$1,190

$99

GEICO

$1,190

$99

Progressive

$1,207

$101

Progressive

$1,208

$101

GEICO

$1,214

$101

Amica Mutual

$1,243

$104

Vermont Mutual

$1,259

$105

Allstate

$1,262

$105

Hanover

$1,265

$105

Arbella

$1,285

$107

Progressive

$1,302

$109

State Farm

$1,305

$109

State Farm

$1,305

$109

Progressive

$1,319

$110

American Family

$1,325

$110

Chubb

$1,329

$111

Amica Mutual

$1,342

$112

GEICO

$1,357

$113

Amica Mutual

$1,360

$113

GEICO

$1,362

$114

GEICO

$1,365

$114

Travelers

$1,369

$114

Chubb

$1,395

$116

GEICO

$1,401

$117

Allstate

$1,402

$117

Plymouth Rock Assurance

$1,421

$118

Travelers

$1,428

$119

Vermont Mutual

$1,435

$120

Allstate

$1,437

$120

Arbella

$1,449

$121

Progressive

$1,457

$121

Plymouth Rock Assurance

$1,458

$122

Hanover

$1,473

$123

Plymouth Rock Assurance

$1,476

$123

Arbella

$1,483

$124

GEICO

$1,491

$124

Chubb

$1,500

$125

Travelers

$1,520

$127

Allstate

$1,521

$127

Arbella

$1,522

$127

Safety Group

$1,538

$128

Plymouth Rock Assurance

$1,542

$129

Plymouth Rock Assurance

$1,545

$129

Safety Group

$1,550

$129

Progressive

$1,557

$130

Vermont Mutual

$1,559

$130

Travelers

$1,573

$131

Vermont Mutual

$1,579

$132

Amica Mutual

$1,586

$132

Allstate

$1,589

$132

Hanover

$1,602

$134

GEICO

$1,623

$135

Plymouth Rock Assurance

$1,625

$135

Safety Group

$1,669

$139

Plymouth Rock Assurance

$1,680

$140

Hanover

$1,682

$140

Allstate

$1,687

$141

Arbella

$1,694

$141

Amica Mutual

$1,711

$143

Arbella

$1,732

$144

Amica Mutual

$1,733

$144

Amica Mutual

$1,734

$145

Plymouth Rock Assurance

$1,741

$145

Plymouth Rock Assurance

$1,771

$148

Travelers

$1,783

$149

Allstate

$1,793

$149

Vermont Mutual

$1,801

$150

American Family

$1,804

$150

American Family

$1,804

$150

Chubb

$1,810

$151

Amica Mutual

$1,820

$152

American Family

$1,849

$154

American Family

$1,849

$154

Safety Group

$1,851

$154

Travelers

$1,857

$155

Travelers

$1,870

$156

GEICO

$1,874

$156

GEICO

$1,939

$162

Travelers

$1,939

$162

Hanover

$1,955

$163

Chubb

$1,975

$165

Progressive

$1,988

$166

Amica Mutual

$1,995

$166

Safety Group

$1,995

$166

Arbella

$2,010

$168

Vermont Mutual

$2,015

$168

Arbella

$2,056

$171

Chubb

$2,058

$172

Progressive

$2,063

$172

Hanover

$2,078

$173

American Family

$2,106

$176

American Family

$2,106

$176

Hanover

$2,124

$177

Progressive

$2,131

$178

GEICO

$2,145

$179

Arbella

$2,158

$180

GEICO

$2,175

$181

Allstate

$2,188

$182

American Family

$2,206

$184

Vermont Mutual

$2,225

$185

Progressive

$2,241

$187

American Family

$2,256

$188

Amica Mutual

$2,276

$190

Hanover

$2,332

$194

Travelers

$2,347

$196

Allstate

$2,390

$199

Amica Mutual

$2,396

$200

Progressive

$2,398

$200

Safety Group

$2,480

$207

Hanover

$2,504

$209

Progressive

$2,532

$211

Vermont Mutual

$2,539

$212

American Family

$2,574

$215

Progressive

$2,574

$215

Amica Mutual

$2,633

$219

Allstate

$2,659

$222

Chubb

$2,659

$222

Safety Group

$2,669

$222

Progressive

$2,682

$224

Chubb

$2,742

$229

Travelers

$2,766

$231

Travelers

$2,799

$233

Arbella

$2,856

$238

Amica Mutual

$2,862

$239

Chubb

$2,864

$239

Vermont Mutual

$2,877

$240

Allstate

$2,915

$243

Arbella

$2,923

$244

Safety Group

$2,989

$249

Travelers

$2,999

$250

Amica Mutual

$3,014

$251

Safety Group

$3,057

$255

Progressive

$3,061

$255

Safety Group

$3,209

$267

Safety Group

$3,217

$268

Allstate

$3,252

$271

Chubb

$3,254

$271

Travelers

$3,259

$272

Vermont Mutual

$3,276

$273

Amica Mutual

$3,317

$276

Chubb

$3,401

$283

Safety Group

$3,454

$288

Travelers

$3,532

$294

Travelers

$3,587

$299

Chubb

$3,706

$309

Safety Group

$3,752

$313

Travelers

$3,856

$321

Travelers

$3,897

$325

Chubb

$4,403

$367

Safety Group

$4,930

$411

Safety Group

$5,303

$442

Safety Group

$6,054

$505

Safety Group

$6,514

$543

You will generally pay higher rates the more severe the violation. Our analysis shows that a driver with a speeding ticket pays an average of $1,868 per year for car insurance. This average cost increases to $2,719 per year after a DUI.

Finding the cheapest car insurance for poor driving records involves shopping around and comparing rates.

Cheapest Car Insurance in Springfield for Teens and Their Families

Teen drivers on a family policy will find the cheapest rates from the following companies in Springfield:

  • Progressive: $1,629 per year for female and male teens
  • Allstate: $3,776 per year for female and male teens

Although State Farm is also cheap at $1,502 per year, its policies are only for current policyholders in Massachussetts. Travelers is the most expensive car insurance provider, charging an average of $4,099 annually to insure female and male teens.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$664

$993

State Farm

$929

$1,902

State Farm

$929

$1,902

State Farm

$964

$2,009

State Farm

$964

$2,009

State Farm

$981

$2,009

State Farm

$981

$2,009

Progressive

$1,290

$2,529

Progressive

$1,290

$2,529

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

Allstate

$1,306

$2,272

GEICO

$1,348

$1,746

GEICO

$1,348

$1,746

Progressive

$1,353

$4,440

Progressive

$1,353

$4,440

Progressive

$1,356

$6,978

Progressive

$1,356

$6,978

GEICO

$1,373

$1,779

GEICO

$1,373

$1,779

GEICO

$1,392

$1,867

GEICO

$1,392

$1,867

GEICO

$1,404

$1,819

GEICO

$1,404

$1,819

Progressive

$1,492

$7,678

Progressive

$1,492

$7,678

State Farm

$1,502

$3,077

State Farm

$1,502

$3,077

State Farm

$1,502

$3,077

State Farm

$1,502

$3,077

State Farm

$1,502

$3,077

State Farm

$1,502

$3,077

Progressive

$1,583

$3,103

Progressive

$1,583

$3,103

Progressive

$1,622

$5,321

Progressive

$1,622

$5,321

Progressive

$1,629

$10,485

Progressive

$1,629

$6,270

Progressive

$1,629

$10,485

Progressive

$1,629

$6,270

Progressive

$1,658

$4,082

Progressive

$1,658

$4,082

Progressive

$1,678

$3,290

Progressive

$1,678

$3,290

Travelers

$1,979

$2,914

Travelers

$1,979

$2,914

GEICO

$2,051

$2,573

GEICO

$2,051

$2,573

Allstate

$2,142

$4,299

Allstate

$2,142

$4,299

GEICO

$2,195

$2,910

GEICO

$2,195

$2,910

GEICO

$2,215

$2,780

GEICO

$2,215

$2,780

Travelers

$2,283

$3,363

Travelers

$2,283

$3,363

Allstate

$2,379

$5,013

Allstate

$2,379

$5,013

Allstate

$2,498

$5,013

Allstate

$2,498

$5,013

Travelers

$2,621

$4,644

Travelers

$2,621

$4,644

Travelers

$2,905

$4,781

Travelers

$2,905

$4,781

Travelers

$2,929

$4,821

Travelers

$2,929

$4,821

Travelers

$2,994

$5,180

Travelers

$2,994

$5,180

Travelers

$3,070

$4,521

Travelers

$3,070

$4,521

GEICO

$3,532

$4,052

GEICO

$3,532

$4,052

Travelers

$3,561

$6,002

Travelers

$3,561

$6,002

Allstate

$3,585

$7,187

Allstate

$3,585

$7,187

Allstate

$3,776

$7,935

Allstate

$3,776

$7,935

Allstate

$3,783

$7,583

Allstate

$3,783

$7,583

GEICO

$3,795

$4,354

GEICO

$3,795

$4,354

Travelers

$3,836

$6,466

Travelers

$3,836

$6,466

GEICO

$3,844

$4,825

GEICO

$3,844

$4,825

Travelers

$4,099

$8,259

Travelers

$4,099

$8,259

Adding a teen to a family policy is more cost-effective than purchasing a separate policy. For example, it costs $2,308 per year to add a 16-year-old to their parent’s policy. A separate policy for the same teen will cost an average of $3,995 annually. You can find the cheapest car insurance for teens by shopping around and comparing rates.

Cheapest Car Insurance in Springfield for Military Drivers

These companies offer the cheapest rates for active-duty soldiers or veterans in Springfield:

  • Plymouth Rock Assurance: $965 per year
  • USAA: $1,040 per year

Plymouth Rock Assurance ($375 per year) and Hanover ($415 per year) are the most affordable minimum coverage insurers.

State Farm is also one of the options for cheap military car insurance; however, their policies are only available to current policyholders. It charges an average of $731 per year for full coverage and $373 per year for minimum coverage.

Company
Annual Premium
Monthly Premium

State Farm

$283

$24

Hanover

$314

$26

USAA

$351

$29

Plymouth Rock Assurance

$364

$30

State Farm

$373

$31

State Farm

$373

$31

Plymouth Rock Assurance

$375

$31

Vermont Mutual

$380

$32

Hanover

$415

$35

USAA

$444

$37

USAA

$461

$38

Plymouth Rock Assurance

$471

$39

Chubb

$535

$45

Vermont Mutual

$543

$45

Hanover

$544

$45

Allstate

$547

$46

Arbella

$548

$46

GEICO

$550

$46

State Farm

$556

$46

Chubb

$561

$47

Vermont Mutual

$618

$52

American Family

$681

$57

American Family

$685

$57

Amica Mutual

$717

$60

Chubb

$725

$60

Arbella

$725

$60

State Farm

$731

$61

State Farm

$731

$61

Allstate

$731

$61

Arbella

$742

$62

Vermont Mutual

$769

$64

Amica Mutual

$774

$65

Amica Mutual

$784

$65

GEICO

$794

$66

Safety Group

$801

$67

American Family

$805

$67

Allstate

$809

$67

USAA

$811

$68

GEICO

$858

$72

Travelers

$862

$72

GEICO

$864

$72

Progressive

$874

$73

Hanover

$877

$73

Plymouth Rock Assurance

$895

$75

Plymouth Rock Assurance

$965

$80

Progressive

$1,001

$83

USAA

$1,040

$87

Allstate

$1,075

$90

Progressive

$1,091

$91

Vermont Mutual

$1,097

$91

USAA

$1,129

$94

Travelers

$1,129

$94

Hanover

$1,165

$97

Travelers

$1,168

$97

Arbella

$1,188

$99

Plymouth Rock Assurance

$1,214

$101

Vermont Mutual

$1,251

$104

GEICO

$1,258

$105

Safety Group

$1,291

$108

American Family

$1,295

$108

American Family

$1,323

$110

GEICO

$1,378

$115

Safety Group

$1,390

$116

Chubb

$1,423

$119

Allstate

$1,437

$120

Amica Mutual

$1,477

$123

Chubb

$1,481

$123

Hanover

$1,507

$126

American Family

$1,526

$127

Amica Mutual

$1,548

$129

Arbella

$1,562

$130

Allstate

$1,589

$132

Arbella

$1,596

$133

Progressive

$1,626

$136

Safety Group

$1,676

$140

Amica Mutual

$1,695

$141

Progressive

$1,761

$147

Travelers

$1,773

$148

Chubb

$1,907

$159

Progressive

$2,081

$173

Travelers

$2,254

$188

Travelers

$2,439

$203

Safety Group

$2,694

$225

Safety Group

$2,900

$242

How to Compare Cheap Springfield Car Insurance Quotes Online

If you want to get an online quote in Springfield, Massachusetts, you must provide personal information, and the process will take around 15 minutes per company. MoneyGeek's car insurance calculator will give you a quick estimate of your insurance expenses based on your age, driving history, coverage level and vehicle type.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Massachusetts
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

State Farm

Best Car Insurance in Springfield: Summary

The best car insurance in Springfield will depend on how essential you deem factors like cost and service coverage. These companies offer the best car insurance based on MoneyGeek’s analysis:

  • Best overall: Chubb (MoneyGeek score of 78 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score of 82 out of 100)

MoneyGeek scores will vary based on how factors are weighted in each category.

Chubb is also the best car insurance company in Massachusetts, earning a score of 78 out of 100. Drivers with a military background will find the most reasonable rates from USAA car insurance, with a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Springfield

MoneyGeek’s analysis shows the following companies offer the best car insurance in Springfield:

  • Chubb: MoneyGeek score of 78 out of 100 ($1,423 per year)
  • Amica Mutual: MoneyGeek score of 74 out of 100 ($1,477 per year)

Chubb scored the highest for claims management and third highest for affordability. State Farm is also highly rated but only allows existing policyholders to renew their policies. It scores 76 out of 100 and charges $731 annually for a policy.

USAA car insurance has a MoneyGeek score of 80 out of 100 and is the best option for drivers with military backgrounds.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked #1 for claims management out of 13 insurance providers

Ranked #3 for customer satisfaction

Offers original equipment manufacturer (OEM) coverage, diminished value coverage and rental car or travel reimbursement

cons

Doesn’t rank well for available coverages

Doesn’t offer accident forgiveness and roadside assistance

COMPANY HIGHLIGHTS

Chubb is one of the cheapest options for a policy, handles your claims well and offers various common and rare coverages. Policyholders can add original equipment manufacturer (OEM) coverage to their policy with this company. This coverage pays for the cost of making repairs with original parts after an accident, ensuring your vehicle’s safety systems continue to perform well.

With this insurance provider, you can add agreed value coverage to your policy. When you purchase this coverage, you and the company agree on the worth of your vehicle. If your car is totaled or stolen, you get a check for that amount. In addition to these rare coverages, you also get rental car or travel reimbursement, which helps you cover the cost of a rental car if your vehicle is damaged due to a covered accident.

Best Car Insurance in Springfield for Customer Service

The following insurance companies stand out for customer service in Springfield if we exclude cost from our scoring system:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,423 per year)
  • Amica Mutual: MoneyGeek score of 71 out of 100 ($1,477 per year)

Chubb got the highest claims management score and the third-highest customer satisfaction score. The insurance provider doesn’t offer the most affordable policies, so policyholders pay a higher rate for excellent customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked the highest for claims management and the third-highest for customer satisfaction

OffersOEM coverage and rental car or travel reimbursement

cons

Doesn’t rank well for available coverages

COMPANY HIGHLIGHTS

Chubb gets a high claims management score and the third-highest customer satisfaction score. Although the company offers few coverages, most of the ones it offers are rare.

The insurance provider offers OEM coverage, which ensures original parts are used when your vehicle is repaired. The rental car or travel reimbursement coverage helps pay the expenses of a rental car up to a specific limit.

Chubb also offers classic car insurance for drivers who own antique cars that are at least 30 years old. This coverage protects you against any damage to such a car, but the vehicle must be garaged and only used for hobby purposes like car shows, clubs and exhibitions.

Best Cheap Car Insurance in Springfield

MoneyGeek analyzed the affordability and service quality of several state-minimum policies in Springfield and found these companies offer the best:

  • Chubb: MoneyGeek score of 82 out of 100 ($535 per year)
  • Hanover: MoneyGeek score of 76 out of 100 ($415 per year)

State Farm also received a high score but wasn’t included in the list because it only allows current policyholders to renew their policies. The company has a MoneyGeek score of 78 out of 100 and charges $373 per year for a policy.

You can purchase minimum coverage to save on premiums, but know that these policies don’t protect against liability costs and won’t pay for vehicle damage due to an accident.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable minimum coverage policy costs an average of $535 per year

Offers daytime running light, honing device and bundling discounts

Ranked the highest for claims management and the third-highest for customer satisfaction

cons

Doesn’t rank well for available coverages

COMPANY HIGHLIGHTS

Chubb has the best claims management scores, indicating it will handle your claims fairly and promptly. The high customer satisfaction score indicates customers have very few complaints about its service.

The insurance provider offers many common and rare discounts, including bundling, daytime running lights and honing device. You can qualify for a bundling discount if you have purchased home and auto insurance with the insurer.

You will also get a premium discount if your vehicle has factory-installed daytime running lamps (DRL). The insurer may also lower your premium for installing an electronic tracking device. Other discounts include a discount on defensive driving and installing anti-lock brakes or an anti-theft system.

Average Cost of Car Insurance in Springfield

As of October 2022, the average cost of car insurance in Springfield is $1,411 per year, $142 more than the average cost of car insurance in Massachusetts and $146 more than the average policy cost in the U.S. As you can see, location affects your policy cost.

These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.