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.
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.
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.
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.
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.
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.
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.
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.
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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?

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?

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?

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
