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 the Cheapest Car Insurance Quotes in Springfield, MA
The Cheapest and Best Car Insurance in Springfield
The Cheapest Car Insurance Companies in Springfield
The auto insurance companies in Springfield that can give you the most affordable full coverage policy on average are:
- Safety Group: $800 per year
- Plymouth Rock Assurance: $814 per year
Affordability can be one of the most important factors when looking for the best car insurance. Comparing prices from different car insurance companies in Springfield can help you find the lowest rate.
In Springfield, Safety Group offers the cheapest policy. Coverage with Safety Group costs an average of 195.5% less than coverage from Travelers, the city’s most expensive auto insurance provider.
The prices above are for a 40-year-old male driver with a full coverage policy. It includes liability insurance as well as comprehensive and collision insurance.
Scroll for more
Average Cost of Car Insurance in Springfield
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.
The Best Car Insurance Companies in Springfield
If you’re a driver who values both affordability and outstanding service, MoneyGeek found the best insurers in Springfield. Using an internal scoring system, MoneyGeek has determined that the best auto insurance companies for most drivers are:
- GEICO: 93 out of 100
- Allstate: 88 out of 100
USAA received the highest score in Springfield by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used factors such as J.D. Power user satisfaction, affordability and financial stability to compute the scores.
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.
Shopping around for car insurance in Springfield could save you $474, which is enough to buy:
Cheapest Car Insurance in Springfield by Coverage Amount
The amount of coverage you buy is one of the primary factors affecting the price of your policy. An insurance policy that meets Massachusetts’ minimum liability requirements costs an average of $705 yearly. In comparison, a policy that offers full coverage with higher liability limits costs an average of $1,274 yearly. This is a difference of $569.
Massachusetts Minimum Liability Requirements
- 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.
While getting affordable auto insurance is a good thing to keep in mind when comparing car insurance quotes in Springfield, it is important to ask yourself what type of coverage fits your needs. If cost really is your main concern, Plymouth Rock Assurance offers the lowest rates for a state minimum liability-only policy. The average annual premium for this coverage is $393. Keep in mind this coverage is minimal.
For drivers who want additional protection, 50/100/50 liability-only or full-coverage options are available. Liability-only coverage will pay for the other driver’s costs if you cause an accident, while full coverage will pay for both your costs and the other driver’s if you are at fault in an accident. The 50/100/50 means that you can receive up to $50,000 per person in medical expenses, $100,000 for total injuries per accident and $50,000 for property damage.
A full-coverage policy from Safety Group costs an average of $139 more per year than a liability-only plan. You can also purchase a policy with higher payout limits if you want more robust coverage. This may cost you an average of $175 extra per year.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- 2.Safety Group$490$625
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2.Safety Group$764$800
Cheapest Car Insurance in Springfield if You Have Driving Violations
Drivers who maintain clean driving records qualify for cheap car insurance in Springfield. Having tickets for any moving violations, such as speeding tickets, an at-fault accident or DUI, will increase the cost of auto insurance premiums.
A Springfield driver with a speeding ticket on their record could pay an average of $129 more per year than a driver with a clean driving history. Drivers who are at-fault in an accident might pay an extra $469 per year. Drivers with a DUI may pay an additional $733 on average each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
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