Cheapest Car Insurance in Worcester, MA (2025)

Worcester drivers pay an average of $672 per year for minimum coverage and $1,488 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Plymouth Rock Insurance has Worcester's cheapest minimum coverage at $334 per year ($28 monthly). That's 50% lower than the city average of $672, saving you $338 annually. Safety Insurance ranks second for minimum coverage at $513 per year ($43 monthly), a 23% savings compared to the city average.
• Cheapest full coverage: Plymouth Rock Insurance offers the lowest full coverage at $969 per year ($81 monthly), 34% below the city average of $1,488. That's $519 in annual savings. Arbella's full coverage costs $1,182 per year ($99 monthly), still 20% below the city average but $213 more than Plymouth Rock Insurance annually.

Car insurance costs vary by age in Worcester, with younger drivers facing the highest premiums. Here's how the most affordable options break down by age group:

• Adults: Plymouth Rock Insurance and Safety Insurance lead with the lowest monthly rates
• Seniors: Arbella and Safety Insurance offer the most competitive pricing for older drivers
• Young drivers: Plymouth Rock Insurance and Safety Insurance remain the top budget-friendly choices despite higher overall costs

Plymouth Rock helps young drivers reduce their premiums through its Advanced Driver Training program, offering up to 5% off for course completion. Safety supports senior drivers with its Senior Safe Driver discount.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Worcester by violation type:

• Accident: Plymouth Rock at $46 and Arbella at $55 monthly
• Ticket: Plymouth Rock at $42 and Arbella at $47 monthly
• DUI: Plymouth Rock at $47 and Arbella at $79 monthly

Minor violations in Massachusetts stay on your record for 6 years, and rates decrease once they drop off.

Worcester drivers have different car insurance costs depending on their neighborhood. ZIP code 01606 offers the most affordable full coverage at $117 monthly, while residents in 01603 pay the highest rates at $149 monthly.

Plymouth Rock earned a 94 out of 100 on MoneyGeek's rating scale, establishing it as Worcester's top car insurance provider. Amica follows closely with an 86 out of 100 score. 

Plymouth Rock ranks first for coverage and affordability, based on our evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess claims handling and policyholder support.

Plymouth Rock excels in coverage options and offers unique add-ons. Amica leads in customer experience and claims satisfaction.
See below for why each insurer is best and which fits your needs.

Worcester drivers have some of Massachusetts's highest car insurance premiums. Shop around, reduce your costs and secure appropriate coverage:

Our insurance experts provide answers to common questions about finding affordable car insurance coverage in Worcester:

We analyzed hundreds of thousands of quotes from major insurers using data from the Massachusetts Division of Insurance and Quadrant Information Services. Our research covered all Worcester ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. 

The analysis was complicated by Worcester's specific risks, including heavy snowfall and harsh winters that increase winter-related accidents, higher vehicle theft rates than the state average, and increased traffic congestion that leads to more frequent accidents.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Massachusetts's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft claims in high-risk areas.

Coverage options (10%): More choices mean better odds of matching coverage to Worcester risks like winter weather damage, uninsured motorists and theft in high-risk areas.