Cheapest and Best Car Insurance Companies in Springfield, MA

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.