Compare the Cheapest Car Insurance Quotes in Springfield, MA

Car insurance in Springfield costs an average of $1,274 annually, which is higher than the state average. Safety Group offers the cheapest insurance at an average of $800 annually. Money Geek analyzed the most affordable options using coverage amount and driving history. MoneyGeek also found the best insurers in Springfield for quality service at a cost-effective price.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

In Springfield, Safety Group averages the cheapest insurance rates; Plymouth Rock Assurance has the most affordable minimum policy. State Farm provides the cheapest insurance with a speeding ticket. For the military, USAA may be a good option. MoneyGeek found GEICO is the best insurance company in Springfield for quality service and affordability. Your best depends on your profile and coverage.

iconribbonbestauto insuranceSpringfield2022

The Cheapest and Best Car Insurance in Springfield

The Cheapest Car Insurance Companies in Springfield

MoneyGeek analyzed the cheapest insurance companies for a full coverage policy in Springfield. The top companies, on average, for cheap full coverage auto insurance in Springfield are:

  • Safety Group: $800 per year
  • Plymouth Rock Assurance: $814 per year

USAA offers a full coverage policy to military members and veterans at roughly $993 a year.

At $2,367, Travelers has the most expensive full coverage insurance in Springfield; it’s $1,567 more than Safety Group, the cheapest.

A full coverage policy has comprehensive and collision insurance in addition to liability coverage. The rate depends on your level of liability coverage.

Cheapest Car Insurance in Springfield
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Safety Group
    $800
  • 2.
    Plymouth Rock Assurance
    $814
  • 3.
    State Farm
    $903
  • 4.
    USAA
    $993
  • 5.
    MetLife
    $1,026
  • 6.
    GEICO
    $1,203
  • 7.
    Amica Mutual
    $1,268
  • 8.
    Allstate
    $1,310
  • 9.
    Arbella Insurance Group
    $1,417
  • 10.
    Progressive
    $1,633
  • 11.
    Travelers
    $2,367

MoneyGeek evaluated the best full coverage policies in Springfield according to our methodology. That involved comparing the average rates from multiple providers for a 40-year-old male driver in Springfield.

A full coverage policy includes liability/PIP plus comprehensive and collision insurance that protect your vehicle if damaged. That’s why it costs more than minimum coverage.

  • Comprehensive insurance: pays for loss due to theft or damage to your vehicle like hail.
  • Collision insurance: pays for damage to your car if you hit an object or another vehicle.

With an older vehicle, you may choose the lower-priced minimum coverage policy because full coverage may cost more than your car’s value.

Compare Car Insurance Rates in Springfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Springfield for Minimum Coverage

A minimum coverage policy is the cheapest option for auto insurance in Springfield. The insurers in Springfield with the cheapest state minimum policy are:

  • Plymouth Rock Assurance: $393 average per year
  • State Farm: $439 average per year

For current and former military, USAA offers a minimum coverage policy of around $455/year.

With a policy that costs $950 more than the cheapest option, Plymouth Rock Assurance, Travelers is the most expensive for minimum coverage in Springfield.

A minimum coverage policy keeps your insurance costs low but does not have comprehensive or collision insurance or high liability limits, affecting your protection.

The table below shows how rates change with higher liability limits.

Cheapest Minimum Liability Car Insurance in Springfield
State Minimum

A state minimum coverage policy in Massachusetts includes liability insurance (20/40/5) and personal injury protection (PIP) of $8,000.

A minimum coverage policy is the cheapest in Massachusetts. However, the low liability limits may not cover all the expenses of an accident.

For instance, if your at-fault accident results in $15,000 in property damage, your policy has a limit of $5,000. You have to pay the remaining from your pocket.

Massachusetts Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $20,000 per person, $40,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $20,000 per person and $40,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $8,000 per accident.

Cheapest Car Insurance in Springfield if You Have Driving Violations

A driving violation, such as a speeding ticket, DUI or at-fault accident, causes a higher insurance rate in Springfield.

On average, the cheapest insurers in Springfield for drivers with a violation are:

  • Cheapest after a ticket: State Farm, $1,032 per year
  • Cheapest after an at-fault accident: Plymouth Rock Assurance, $1,245 per year
  • Cheapest after a DUI: Plymouth Rock Assurance, $1,292 per year

If you have a military background and ticket, USAA has a competitive rate of roughly $1,153 a year.

You can get a lower insurance rate by improving your record over time. Until then, compare quotes to find the best rate for auto insurance after a violation.

Cheapest Car Insurance in Springfield With a Violation
Speeding Ticket

Average Cost of Car Insurance in Springfield

Springfield$1,274
MA$1,112
U.S.$1,424

The average car insurance rate in Springfield is higher than the state average and lower than the national average.

Drivers in Springfield pay an average of $1,274 per year for auto insurance. This is 14.6% more than the average state cost and 10.5% less than the average national price.

Personalized Quotes to Get You the Cheapest Car Insurance in Springfield

Annual premiums for car insurance in Springfield are calculated based on different factors. These include age, gender, driving history, credit score, coverage level, miles driven per year and vehicle type.

A 40-year-old male in Springfield pays an average of $800 per month for auto insurance with Safety Group. This rate may go up or down as the driver ages or his life circumstances change.

Comparing car insurance quotes regularly will help you find the best car insurance in Springfield. It also allows you to see if you qualify for any discounts, rebates and other savings.

Compare Car Insurance Rates in Springfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Springfield

Drivers in Springfield who want the best insurance company with a focus on affordability and quality service can find it with MoneyGeek’s research. MoneyGeek found the best insurers in Springfield for most drivers are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Allstate: MoneyGeek score of 88 out of 100

USAA came in first on the ranking system and is the best option for drivers who have served or are currently serving in the military.

MoneyGeek’s analysis was based on several factors such as customer ratings, affordability scores and the financial integrity of the insurer, among others. For some of these scores, MoneyGeek relied on J.D. Power research.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Allstate
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Nationwide
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
Hanover
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
MetLife
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
MAPFRE Insurance
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Safety Group
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Arbella Insurance Group
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
Plymouth Rock Assurance
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

14
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

It’s not unusual for auto insurance rates to change based on a driver’s ZIP code. This is because neighborhoods can have different crime rates, accident statistics and numbers of uninsured drivers.

Average car insurance rates in Springfield vary by ZIP code. Drivers in Springfield who live in the 1109 zip code pay an average of $36 more each year than residents in the 1108 neighborhood.

  • Zip Code
    State Minimumper year
  • 01109
    $1,256
  • 01108
    $1,292

Factors That Impact Insurance Costs in Springfield

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Springfield. How Springfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities58th/300
handcuffs2 icon
Most Car Thefts39th/300
uninsured icon
Most Uninsured Motorists by State49th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall68th/300
umbrella icon
Most Rainy Days82nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Springfield are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.