Drivers in Worcester typically pay $121 monthly for full coverage car insurance. Depending on policy details and driver history, rates range from $100 to $319. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Worcester, MA, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Worcester: Key Takeaways
State Farm, American Family and Plymouth Rock are Worcester's most affordable car insurance companies.
State Farm is the cheapest car insurance provider in Worcester, with rates of $28 per month for minimum coverage and $58 for full coverage.
The average monthly cost of car insurance is $51 for minimum coverage and $121 full coverage.
Car Insurance Quotes in Worcester, MA
| Young Drivers | $57 | $139 |
| Teens | No Data | $319 |
| Seniors | $42 | $100 |
| Drivers With an Accident | $83 | $197 |
| Drivers With a Speeding Ticket | $63 | $154 |
| Drivers With a DUI | $93 | $222 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Worcester vs. State Average
Massachusetts
State Average Full Coverage Rate
$1,370
Worcester, MA
City Average Full Coverage Rate
$1,450Worcester Car Insurance is Costly:$80 more
This is 6% more expensive.
What Is the Average Car Insurance Rate in Worcester?
Worcester's average car insurance costs are $1,450 per year for full coverage and $608 for minimum coverage. These rates are higher than the state averages of $1,370 and $584, respectively.
| State Average | $584 | $1,370 |
| Worcester Average | $608 | $1,450 |
Cheapest Car Insurance Companies in Worcester
Even though premiums rise across Massachusetts, Worcester residents can still find affordable car insurance. State Farm offers the cheapest minimum coverage at just $28 per month and full coverage at $58.
WHY CAR INSURANCE IN WORCESTER IS EXPENSIVE
Car insurance is expensive in Worcester due to high traffic density and accident rates. Worcester is one of the costliest cities in Massachusetts for car insurance. Statewide, many uninsured drivers, frequent personal injury lawsuits and prevalent insurance fraud drive up costs.
Cheap Car Insurance in Worcester
State Farm is often Worcester's cheapest car insurance provider, but rates vary by driver. The best way to find affordable premiums is to get quotes from multiple providers. The table below highlights the lowest rates for different driver profiles.
| State Farm | Minimum Coverage | $28 |
| State Farm | Full Coverage | $58 |
| State Farm | Teens | $163 |
| State Farm | Young Adults | $43 |
| State Farm | Seniors | $33 |
| State Farm | Drivers With a DUI | $81 |
| State Farm | Drivers With an Accident | $67 |
| State Farm | Drivers With a Speeding Ticket | $50 |
Car Insurance Rates in Worcester by Company
Compare rates from several providers to find the most affordable car insurance options. Below, we detail Worcester's cheapest minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Worcester
State Farm offers Worcester's cheapest minimum coverage auto insurance at $28 per month, followed by Plymouth Rock at $32. The table below breaks down the affordable options.
| State Farm | $28 | $23 |
| Plymouth Rock Assurance | $32 | $19 |
| Hanover | $34 | $17 |
| Vermont Mutual | $34 | $17 |
| Safety Group | $36 | $15 |
| American Family | $44 | $7 |
| Arbella | $50 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Worcester
State Farm offers the cheapest full coverage car insurance in Worcester at $58 per month. Below is a list of other providers and their rates for comparison.
| State Farm | $58 | $63 |
| Plymouth Rock Assurance | $79 | $42 |
| American Family | $92 | $29 |
| Safety Group | $104 | $17 |
| Arbella | $105 | $16 |
| Vermont Mutual | $114 | $7 |
| Hanover | $117 | $4 |
Car Insurance Companies in Worcester
State Farm offers Worcester's most affordable car insurance at $513 annually. Safety Group is the best cheap provider, with a MoneyGeek score of 85 out of 100. Check the table below for more options.
| Safety Group | 85 | $838 |
| Arbella | 82 | $930 |
| Amica Mutual | 79 | $1,082 |
| Plymouth Rock Assurance | 79 | $668 |
| Chubb | 78 | $1,212 |
| American Family | 76 | $811 |
| State Farm | 74 | $513 |
| Vermont Mutual | 73 | $885 |
| Hanover | 72 | $902 |
| GEICO | 55 | $1,198 |
| Progressive | 50 | $1,362 |
| Travelers | 50 | $1,584 |
| Allstate | 49 | $1,393 |
*Rates are for a 40-year-old driver with no driving violations.
Car Insurance Cost in Worcester by Age
Drivers in their mid-20s and younger seniors pay Worcester's lowest car insurance rates, averaging $1,238 per year for 24-year-olds and $1,206 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,649 | $-902 |
| 17 | $2,570 | $-823 |
| 18 | $2,416 | $-668 |
| 19 | $1,817 | $-69 |
| 20 | $1,832 | $-85 |
| 21 | $1,676 | $71 |
| 22 | $1,369 | $378 |
| 23 | $1,455 | $293 |
| 24 | $1,238 | $509 |
| 25 | $1,674 | $-313 |
| 40 | $1,450 | $-88 |
| 65 | $1,206 | $156 |
Cheapest Car Insurance for Teens in Worcester
State Farm offers the cheapest overall car insurance for teens in Worcester at $108 monthly, saving $89 compared to the state average. The table below breaks down more affordable providers for this age group.
| State Farm | $108 | $89 | $163 |
| Progressive | $117 | $80 | $496 |
| GEICO | $243 | $-46 | $232 |
| Allstate | $249 | $-52 | $357 |
| Travelers | $267 | $-70 | $347 |
*Rates are for 16 to 19-year-old drivers with no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Worcester
State Farm offers the cheapest monthly rates for young drivers in Worcester: $28 for minimum coverage and $58 for full coverage. The table below compares low-cost options across different driver profiles.
| State Farm | Minimum Coverage | $28 |
| State Farm | Full Coverage | $58 |
| State Farm | Drivers With a DUI | $81 |
| State Farm | Drivers With an Accident | $67 |
| State Farm | Drivers With a Speeding Ticket | $50 |
Cheapest Car Insurance Companies for Young Drivers in Worcester
State Farm provides the most affordable auto insurance for young drivers in Worcester at $43 per month. The table below shows other companies with competitive rates.
| State Farm | $43 | $55 |
| Plymouth Rock Assurance | $68 | $30 |
| Safety Group | $75 | $23 |
| Arbella | $79 | $19 |
| American Family | $80 | $18 |
| Vermont Mutual | $84 | $14 |
| Hanover | $96 | $2 |
*Rates are for 25-year-old drivers with no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Worcester
State Farm offers the cheapest car insurance for seniors in Worcester, starting at $21 for minimum coverage. Rates vary based on factors like driving history. The table below shows affordable options for various driver profiles and coverage needs.
| State Farm | Minimum Coverage | $21 |
| State Farm | Full Coverage | $44 |
| State Farm | Drivers With a DUI | $61 |
| State Farm | Drivers With an Accident | $51 |
| State Farm | Drivers With a Speeding Ticket | $38 |
Cheapest Car Insurance for Seniors in Worcester
State Farm offers the cheapest monthly premium for seniors, $33, for minimum and full coverage plans. Safety Group follows at $44. The table below shows the top car insurance options for seniors in Worcester.
| State Farm | $33 | $39 |
| Safety Group | $44 | $28 |
| Plymouth Rock Assurance | $51 | $20 |
| Vermont Mutual | $52 | $20 |
| Hanover | $57 | $14 |
| Arbella | $59 | $12 |
| American Family | $69 | $3 |
| GEICO | $69 | $2 |
*Rates are for 65-year-old drivers with no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Worcester
Worcester's high-risk drivers typically pay more for car insurance than Massachusetts' averages. The city's minimum coverage costs $957 annually, and full coverage is $2,296, compared to the state averages of $916 and $2,157, respectively. Drivers with DUIs pay the most, while accidents and speeding tickets affect rates less.
| Worcester Average | $957 | $2,296 |
| State Average | $916 | $2,157 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents, like not-at-fault accidents or speeding tickets, for a certain period. The timeframe is longer for more serious offenses, such as DUI.
Cheapest Auto Insurance Rates With a DUI in Worcester
Hanover offers the cheapest minimum coverage for drivers with a DUI in Worcester at $556 annually. State Farm provides the most affordable full coverage at $1,254. Check the table below for more low-cost coverage options.
| Hanover | $46 | $171 |
| Plymouth Rock Assurance | $52 | $123 |
| State Farm | $57 | $105 |
| American Family | $72 | $158 |
| Vermont Mutual | $79 | $300 |
*Rates are for a 40-year-old driver with a DUI.
Cheapest Auto Insurance Rates With an Accident in Worcester
The cheapest auto insurance companies after an at-fault accident in Worcester are State Farm ($47/month), Plymouth Rock ($50/month) and American Family ($60/month). The table below shows various providers offering affordable coverage.
| State Farm | $47 | $88 |
| Plymouth Rock Assurance | $50 | $118 |
| American Family | $60 | $129 |
| Hanover | $62 | $213 |
| Vermont Mutual | $65 | $230 |
*Rates are for a 40-year-old driver with an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Worcester
State Farm is the cheapest car insurance provider for drivers with a speeding tickets in Worcester at $33 for minimum coverage and $66 for full coverage. Check the table below to see how much other providers charge drivers with speeding tickets.
| State Farm | $33 | $66 |
| Safety Group | $43 | $123 |
| Vermont Mutual | $45 | $163 |
| Plymouth Rock Assurance | $46 | $113 |
| Arbella | $56 | $114 |
*Rates are for a 40-year-old driver with a speeding ticket.
Minimum Car Insurance Requirements in Worcester, MA
Massachusetts mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP) per accident
For example, if you're in an accident, your policy covers up to $40,000 for injuries to others and $5,000 for damage to their property, ensuring you're within the legal requirements.
Cheap Car Insurance in Worcester: Bottom Line
State Farm offers Worcester's most affordable minimum and full coverage car insurance. Budget-friendly options are available for drivers of all ages and driving records. Ensure your policy meets Massachusetts' requirements, including bodily injury, property damage and uninsured motorist protection. Compare providers to find rates that fit your budget while staying legally compliant.
Worcester Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Worcester.
What is the cheapest car insurance company in Worcester, MA?
State Farm offers Worcester, Massachusetts' most affordable car insurance at $28 for minimum coverage.
What is the best car insurance company in Worcester, MA?
Safety Group is Worcester, Massachusetts' best car insurance provider, with a MoneyGeek score of 85 out of 100. The annual premium for minimum coverage is $838.
How much does car insurance cost on average in Worcester, MA?
In Worcester, Massachusetts, minimum coverage car insurance rates range from $42 to $93 per month.
Best Cheap Car Insurance in Worcester: Our Methodology
MoneyGeek analyzed Worcester auto insurance prices using the Massachusetts Division of Insurance and Quadrant Information Services data.
Worcester Driver Profile
To assess the best and most affordable auto insurance options for Worcester residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Worcester
In assessing the car insurance quotes for Worcester, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Massachusetts' minimum coverage requirements:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP) per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Massachusetts providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Worcester
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Worcester for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, visit MoneyGeek's methodology.
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.