bestauto insuranceSpringfieldCompare the Cheapest Car Insurance Quotes in Springfield, MA
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Ensure you're getting the best rate. Review quotes from a top insurance company.
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.
bestauto insuranceSpringfieldThe Cheapest and Best Car Insurance in Springfield
Cheapest Overall - Safety Group
Cheapest State Minimum - Plymouth Rock Assurance
Cheapest With a Driving Violation - Plymouth Rock Assurance
Best Overall - GEICO
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
- Company100/300/100per year
- 1.Safety Group$800
- 2.$814
- 3.$903
- 4.$993
- 5.$1,026
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.
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
- CompanyState Minimumper year
- 1.$393
- 2.$439
- 3.$455
- 4.Safety Group$490
- 5.$567
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,032
- 2.$1,153
- 3.$1,182
- 4.$1,260
- 5.$1,310
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.
The Best Car Insurance Companies in Springfield
MoneyGeek evaluated Springfield's top car insurance companies based on customer satisfaction scores, average premiums and claims experience ratings. The top two companies are:
- State Farm: MoneyGeek score of 91 out of 100
- Plymouth Rock Assurance: MoneyGeek score of 91 out of 100
Despite USAA's overall score of 95 out of 100, we excluded it from our rankings. Those in the military and their families should consider USAA car insurance.
1
State Farm
Score:91
In terms of customer satisfaction, stability and claims, State Farm consistently received excellent ratings. Policyholders in the city pays on average $903 per year. Policyholders working for ridesharing companies can also add unique rideshare insurance.
More About State Farm
Across all categories, State Farm ranks well as the best auto insurance company in Springfield. An option to add rideshare insurance, rental car reimbursements and roadside assistance to a standard State Farm policy is available.
As part of State Farm's roadside assistance, it pays for mechanical labor, towing, battery, gas, oil and replacement tires based on the coverage limit. There is also a car rental reimbursement option that pays up to a certain amount for the expenses of renting a car.
Also, rideshare insurance isn't often usually offered by other companies. With this coverage, your personal policy remains in effect while working for a ridesharing service, covering any gaps your commercial policy may not cover.
Read MoneyGeek's State Farm auto Insurance Review2
Plymouth Rock Assurance
Score:91
Among Springfield’s auto insurance companies, Plymouth Rock Assurance ranks second. Despite lower claims and user satisfaction, it did well on affordability. Annually, a full coverage policy costs $814. OEM coverage is offered by this insurer.
More About Plymouth Rock Assurance
With Plymouth Rock Assurance, you can customize full coverage auto insurance in Springfield to suit your needs and preferences.
Original Equipment Manufacturer (OEM) Coverage is an unusual add-on with other insurers. As a result of this endorsement, certain parts damaged in a covered loss can be replaced with OEM auto parts that cannot otherwise be repaired.
There is also a Glass Deductible Modification endorsement available. If you need to replace or repair your windshield, this add-on allows you to set a comprehensive deductible.
Read MoneyGeek's Plymouth Rock Assurance auto Insurance Review3
MetLife
Score:78
4
GEICO
Score:76
5
Allstate
Score:72
6
Progressive
Score:57
7
Safety Group
Score:55
8
Arbella Insurance Group
Score:51
9
Amica Mutual
Score:48
10
Travelers
Score:25
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 CodeState 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.
About Mark Fitzpatrick
