Plymouth Rock Insurance offers Worcester's lowest car insurance rates, with annual premiums of $334 for minimum coverage and $969 for full coverage. Other affordable insurers in the city include Arbella, Amica and Safety Insurance.
Car Insurance in Worcester
Updated: August 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Worcester's cheapest car insurance companies are Plymouth Rock Insurance, Arbella and Safety Insurance, with savings up to 41% compared to the city average.
Monthly car insurance costs in Worcester average $124 for full coverage and $56 for minimum coverage.
To find the best cheap auto insurance in Worcester, choose appropriate coverage levels and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Worcester?
| Plymouth Rock Insurance | $28 | $81 | -41% |
| Arbella | $47 | $98 | -21% |
| Safety Insurance | $43 | $123 | -10% |
| Amica | $50 | $121 | -7% |
| Norfolk & Dedham Insurance | $54 | $119 | -5% |
Compare the Cheapest Worcester Car Insurance for You
Your car insurance rates depend on your driving history and personal details, so the cheapest company varies by driver profile. Check the table below to find the most affordable insurer based on factors like your age, credit score and driving record.
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Age Group:Adult Drivers
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Gender:Female
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coverage_user_friendly:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | $179 | $2,152 | -25% |
| Amica | $193 | $2,311 | -20% |
| Progressive | $243 | $2,912 | 1% |
| Farmers | $249 | $2,988 | 4% |
| Travelers | $283 | $3,391 | 18% |
Cheapest Car Insurance by Age Group in Worcester
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Worcester, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Amica (from $104 per month)
- Cheapest Car Insurance for Adults: Amica (from $50 per month)
- Cheapest Car Insurance for Seniors: Farmers (from $46 per month)
Cheapest Car Insurance for Young Drivers in Worcester
In Worcester, Amica and Farmers provide the most affordable car insurance for young drivers, with monthly rates starting at $104 and $113 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Amica | $104 | $1,248 | -32% |
| Farmers | $113 | $1,360 | -26% |
| GEICO | $118 | $1,420 | -23% |
| Travelers | $149 | $1,786 | -3% |
| Allstate | $197 | $2,364 | 28% |
Cheapest Car Insurance for Adult Drivers in Worcester
In Worcester, Amica provides the lowest rates for adult drivers (26–64), saving motorists around 30% on average. Farmers and GEICO also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Amica | $50 | $597 | -30% |
| Farmers | $52 | $628 | -26% |
| GEICO | $56 | $676 | -21% |
| Allstate | $82 | $979 | 15% |
| Travelers | $83 | $993 | 17% |
Cheapest Car Insurance for Senior Drivers in Worcester
For seniors in Worcester, Farmers Insurance offers the most affordable rates for both coverage types. Minimum coverage costs $46 monthly or $546 annually, while full coverage runs $114 per month or $1,366 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farmers | $46 | $546 | -37% |
| Amica | $50 | $600 | -31% |
| GEICO | $58 | $695 | -20% |
| Allstate | $60 | $720 | -17% |
| Travelers | $107 | $1,288 | 49% |
Cheapest Car Insurance for High-Risk Drivers in Worcester
High-risk drivers in Worcester can still find affordable car insurance rates with these companies:
- Cheapest With a DUI: Plymouth Rock (From $43 per month)
- Cheapest With an Accident: GEICO (From $86 per month)
- Cheapest With a Speeding Ticket: Amica (From $62 per month)
Cheapest Car Insurance With a DUI in Worcester
GEICO and Progressive offer the most affordable car insurance rates for Worcester drivers with a DUI. These providers' rates are up to 29% below average for full coverage and 21% cheaper for minimum coverage policies.
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
| Progressive | $183 | $2,200 | -29% |
| GEICO | $206 | $2,476 | -20% |
| Amica | $247 | $2,969 | -4% |
| Farmers | $269 | $3,229 | 5% |
| Travelers | $271 | $3,256 | 6% |
Cheapest Car Insurance With an Accident in Worcester
Drivers in Worcester with an accident record can find the lowest rates with GEICO, starting at $86 per month — about 25% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Female
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Credit Alignment:Good
| GEICO | $86 | $1,030 | -26% |
| Amica | $88 | $1,052 | -24% |
| Farmers | $92 | $1,098 | -21% |
| Allstate | $137 | $1,649 | 19% |
| Travelers | $137 | $1,649 | 19% |
Cheapest Car Insurance With a Speeding Ticket in Worcester
If you have a speeding ticket in Worcester, Amica offers the cheapest minimum coverage at $62 per month, while GEICO has the most affordable full coverage policy at $134 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Amica | $62 | $743 | -27% |
| GEICO | $63 | $759 | -26% |
| Farmers | $68 | $819 | -20% |
| Allstate | $82 | $979 | -4% |
| Travelers | $109 | $1,309 | 28% |
Best Car Insurance Companies in Worcester
Worcester's highest-rated car insurance companies are Plymouth Rock Insurance, Amica, Arbella, Safety Insurance and Norfolk & Dedham Insurance. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Plymouth Rock Insurance | 95 | 1 | 3 | 1 |
| Amica | 86 | 4 | 1 | 7 |
| Arbella | 83 | 2 | 6 | 7 |
| Safety Insurance | 81 | 3 | 10 | 2 |
| Norfolk & Dedham Insurance | 81 | 5 | 5 | 4 |
Plymouth Rock Insurance: Best Overall Value
pros
Most affordable rates in Worcester
Excellent coverage options
Multiple driver category wins
cons
Average customer service ratings
Limited online tools
COMPANY HIGHLIGHTS
Plymouth Rock Insurance ranks first in Worcester with the lowest rates and strongest coverage options. The company charges $81 monthly for full coverage insurance, well below the city average. Plymouth Rock offers the cheapest rates for several driver categories, including young drivers, older cars, and those with DUIs. Strong coverage scores show the company provides comprehensive protection options for Worcester drivers.
Amica: Best for Customer Service
pros
Top customer satisfaction ratings
Good discounts available
Strong claims support
cons
Higher than average rates
Limited coverage options
COMPANY HIGHLIGHTS
Amica earns Worcester's second-best ranking thanks to outstanding customer service scores. While its rates run higher than Plymouth Rock's at $121 monthly for full coverage, Amica makes up for it with exceptional customer care. The company's perfect customer experience score reflects quick claims processing and helpful support. However, coverage options are more limited than other top providers.
How Much Is Car Insurance in Worcester?
In Worcester, minimum coverage costs about $56 per month or $667 per year, ranking 474th out of all Massachusetts cities for affordability. Full coverage averages $124 monthly or $1,489 annually, ranking 477th among Massachusetts cities.
| Full Coverage | $124 | $1,489 |
| Minimum Coverage | $56 | $667 |
Compare Personalized Worcester Car Insurance Costs
Since your profile may combine multiple factors, use the table below to find Worcester car insurance rates based on your age, driving record and other personal details.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $209 | $2,513 | 33% |
Worcester Car Insurance costs by ZIP Code
In Worcester, car insurance rates by ZIP code range from $52 to $149 per month. ZIP code 01603 is the most expensive, while 01604 is the cheapest. Check the average rates for your ZIP code below.
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Zip Code:01602
| 01602 | $69 | $148 |
How to Get the Best Cheap Worcester Car Insurance
Finding affordable car insurance in Worcester isn't easy with the city's high rates and complex coverage options. Our step-by-step guide helps you navigate the choices and find the best cheap car insurance for your needs.
- 1
Calculate your coverage needs
Find out exactly how much coverage you need based on your vehicle's value and your personal risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider Worcester's winter weather conditions when deciding on comprehensive coverage.
- 2
Explore different coverage types
Look into various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Worcester to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying.
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Find available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer winter safety course discounts relevant to Worcester drivers.
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Check company ratings and reviews
Research insurance companies' customer service ratings and claims satisfaction scores. Focus on companies with strong winter claims handling records, as this is particularly important for Worcester drivers. Look for insurers with local agents who understand the area's specific needs.
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Get quotes from multiple insurers
Contact at least three different insurance companies to compare rates. Get quotes online and through local agents to see all available options. Be sure to provide consistent information to each insurer for accurate comparisons.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for better rates. Your circumstances and insurance needs may change, and new discounts or better deals might become available. Consider reviewing before winter when Worcester's driving conditions become more challenging.
Cheapest Car Insurance in Worcester: Bottom Line
Car insurance rates in Worcester depend on your driving record, vehicle and other personal factors. Plymouth Rock Insurance and Arbella offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Worcester Car Insurance: FAQ
Looking for affordable car insurance in Worcester? We've gathered straightforward answers to your most common questions about finding the right coverage at the best rates. Our research helps you understand your options and make confident insurance decisions that fit your budget.
What is the cheapest car insurance company in Worcester, Massachusetts?
Plymouth Rock Insurance offers Worcester's lowest rates, averaging $334 for minimum coverage and $969 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Worcester?
Plymouth Rock Insurance leads Worcester's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 9 points higher than Amica. The company excels in both affordability and service quality.
What is the average cost of car insurance in Worcester?
Worcester drivers pay $1,489 for full coverage and $667 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Worcester expensive?
Car insurance in Worcester costs more than average, ranking 474th for minimum coverage affordability and 477th for full coverage compared to other Massachusetts cities.
How We Chose the Best and Cheapest Car Insurance in Worcester, MA
To help Worcester drivers find the most affordable auto insurance companies, MoneyGeek analyzed Worcester auto insurance rates based on data and information from the Massachusetts Division of Insurance and Quadrant Information Services. We studied all zip codes in Worcester and hundreds of thousands of quotes for 12 companies offering auto insurance in Massachusetts to tailor options as closely as possible to you.
Worcester Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Worcester with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Worcester
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Massachusetts are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Worcester based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on google, J.D. Power, A.M. Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.