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Hanover offers the cheapest minimum coverage, and Plymouth Rock Assurance has Worcester's least expensive full coverage car insurance. The latter is also the cheapest for military drivers. GEICO and Plymouth Rock Assurance are the best for drivers with violations, while Progressive is the top choice for teens.

Chubb offers the best customer service and is both the best overall and the best cheap option in Worcester. Your driving history and needs will determine the best option.

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2023

Cheapest and Best Car Insurance in Worcester, MA

Cheapest Minimum Liability Car Insurance in Worcester

The following companies offer the most affordable minimum coverage auto insurance in Worcester:

  • Hanover: $301 per year
  • Plymouth Rock Assurance: $310 per year

Hanover's average price in Massachusetts is cheaper than in Worcester, at $271 annually. Meanwhile, at $1,018, Safety Group offers the city’s most expensive minimum coverage.

Company
Annual Premium
Monthly Premium

Hanover

$233

$19

State Farm

$253

$21

Hanover

$301

$25

Plymouth Rock Assurance

$303

$25

Plymouth Rock Assurance

$310

$26

State Farm

$333

$28

State Farm

$333

$28

Vermont Mutual

$333

$28

Hanover

$384

$32

Plymouth Rock Assurance

$392

$33

GEICO

$429

$36

Chubb

$432

$36

Allstate

$440

$37

Chubb

$453

$38

Vermont Mutual

$477

$40

Arbella

$477

$40

Amica Mutual

$523

$44

American Family

$523

$44

American Family

$526

$44

State Farm

$528

$44

Vermont Mutual

$543

$45

Amica Mutual

$564

$47

Amica Mutual

$571

$48

Chubb

$586

$49

Allstate

$586

$49

GEICO

$614

$51

American Family

$620

$52

Arbella

$630

$53

Safety Group

$633

$53

Arbella

$645

$54

Allstate

$645

$54

Travelers

$668

$56

GEICO

$671

$56

State Farm

$692

$58

State Farm

$692

$58

Vermont Mutual

$692

$58

Progressive

$738

$62

GEICO

$745

$62

Hanover

$830

$69

Progressive

$842

$70

Travelers

$853

$71

Plymouth Rock Assurance

$856

$71

Travelers

$902

$75

Plymouth Rock Assurance

$929

$77

Progressive

$935

$78

Allstate

$952

$79

Vermont Mutual

$987

$82

Safety Group

$1,018

$85

Arbella

$1,047

$87

GEICO

$1,087

$91

Hanover

$1,092

$91

Safety Group

$1,095

$91

American Family

$1,099

$92

American Family

$1,122

$94

Vermont Mutual

$1,125

$94

Plymouth Rock Assurance

$1,169

$97

Amica Mutual

$1,184

$99

GEICO

$1,202

$100

Amica Mutual

$1,237

$103

Chubb

$1,238

$103

Allstate

$1,270

$106

Chubb

$1,288

$107

American Family

$1,292

$108

Amica Mutual

$1,358

$113

Arbella

$1,372

$114

Hanover

$1,386

$116

Arbella

$1,402

$117

Allstate

$1,406

$117

Progressive

$1,470

$123

Safety Group

$1,511

$126

Travelers

$1,565

$130

Progressive

$1,579

$132

Chubb

$1,661

$138

Progressive

$1,916

$160

Travelers

$1,960

$163

Travelers

$2,160

$180

Safety Group

$2,421

$202

Safety Group

$2,605

$217

Worcester's minimum liability limits are defined by Massachusetts law and must include the following:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Minimum coverage only covers third-party damages. If your bodily injury liability coverage is $40,000 per accident and $20,000 per person, your insurer will only cover $20,000 in losses per individual, up to $40,000 per incident.

Cheapest Full Coverage Car Insurance in Worcester

The following are the cheapest options for full coverage car insurance in Worcester:

  • Plymouth Rock Assurance: $929 per year
  • Vermont Mutual: $987 per year

Safety Group has the city's highest yearly rates for full coverage, at $2,421.Plymouth Rock Assurance ranks as the fourth cheapest in Massachusetts, at $869 per year, demonstrating how location can affect premiums.

Although State Farm is the least expensive in our data, costing only $692 a year, it's only offered to current policyholders in Massachusetts.

Company
Annual Premium
Monthly Premium

Hanover

$233

$19

State Farm

$253

$21

Hanover

$301

$25

Plymouth Rock Assurance

$303

$25

Plymouth Rock Assurance

$310

$26

State Farm

$333

$28

State Farm

$333

$28

Vermont Mutual

$333

$28

Hanover

$384

$32

Plymouth Rock Assurance

$392

$33

GEICO

$429

$36

Chubb

$432

$36

Allstate

$440

$37

Chubb

$453

$38

Vermont Mutual

$477

$40

Arbella

$477

$40

Amica Mutual

$523

$44

American Family

$523

$44

American Family

$526

$44

State Farm

$528

$44

Vermont Mutual

$543

$45

Amica Mutual

$564

$47

Amica Mutual

$571

$48

Chubb

$586

$49

Allstate

$586

$49

GEICO

$614

$51

American Family

$620

$52

Arbella

$630

$53

Safety Group

$633

$53

Arbella

$645

$54

Allstate

$645

$54

Travelers

$668

$56

GEICO

$671

$56

State Farm

$692

$58

State Farm

$692

$58

Vermont Mutual

$692

$58

Progressive

$738

$62

GEICO

$745

$62

Hanover

$830

$69

Progressive

$842

$70

Travelers

$853

$71

Plymouth Rock Assurance

$856

$71

Travelers

$902

$75

Plymouth Rock Assurance

$929

$77

Progressive

$935

$78

Allstate

$952

$79

Vermont Mutual

$987

$82

Safety Group

$1,018

$85

Arbella

$1,047

$87

GEICO

$1,087

$91

Hanover

$1,092

$91

Safety Group

$1,095

$91

American Family

$1,099

$92

American Family

$1,122

$94

Vermont Mutual

$1,125

$94

Plymouth Rock Assurance

$1,169

$97

Amica Mutual

$1,184

$99

GEICO

$1,202

$100

Amica Mutual

$1,237

$103

Chubb

$1,238

$103

Allstate

$1,270

$106

Chubb

$1,288

$107

American Family

$1,292

$108

Amica Mutual

$1,358

$113

Arbella

$1,372

$114

Hanover

$1,386

$116

Arbella

$1,402

$117

Allstate

$1,406

$117

Progressive

$1,470

$123

Safety Group

$1,511

$126

Travelers

$1,565

$130

Progressive

$1,579

$132

Chubb

$1,661

$138

Progressive

$1,916

$160

Travelers

$1,960

$163

Travelers

$2,160

$180

Safety Group

$2,421

$202

Safety Group

$2,605

$217

Full coverage insurance includes comprehensive and collision coverage.

  • Collision Insurance: Protects against collisions with objects and other moving vehicles.
  • Comprehensive Insurance: Protects against theft and non-collision damages, like if a tree falls on your car.

Full coverage offers extra protection, but if your car is outdated, a full coverage policy may cost more than the car is worth.

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Cheapest Car Insurance in Worcester After a Driving Offense

The best insurance companies in Worcester for drivers with violations on their records are:

  • Speeding ticket: GEICO ($1,212 per year)
  • At-fault accident: Plymouth Rock Assurance ($1,406 per year)
  • DUI: Plymouth Rock Assurance ($1,474 per year)

Our research shows that State Farm is the most affordable option — $791 for a speeding ticket, $1,051 for an at-fault accident and $1,254 for a DUI — but its policies are only available to current Massachusetts customers.

Safety Group has the most expensive rates in the city: $2,881 after a speeding ticket, $4,379 after an at-fault accident and $5,416 with a DUI.

Company
Annual Premium
Monthly Premium

State Farm

$301

$25

Hanover

$320

$27

Hanover

$393

$33

State Farm

$398

$33

State Farm

$398

$33

Hanover

$416

$35

State Farm

$429

$36

Hanover

$429

$36

Allstate

$440

$37

Vermont Mutual

$443

$37

Plymouth Rock Assurance

$461

$38

Plymouth Rock Assurance

$477

$40

GEICO

$491

$41

Plymouth Rock Assurance

$503

$42

Hanover

$508

$42

Hanover

$514

$43

State Farm

$515

$43

Plymouth Rock Assurance

$525

$44

Arbella

$529

$44

Plymouth Rock Assurance

$531

$44

Plymouth Rock Assurance

$541

$45

Hanover

$558

$47

State Farm

$568

$47

State Farm

$568

$47

Plymouth Rock Assurance

$569

$47

Plymouth Rock Assurance

$580

$48

Plymouth Rock Assurance

$581

$48

Allstate

$586

$49

State Farm

$602

$50

Hanover

$609

$51

Chubb

$616

$51

Vermont Mutual

$633

$53

Vermont Mutual

$641

$53

Allstate

$645

$54

Chubb

$646

$54

Amica Mutual

$649

$54

Hanover

$652

$54

Arbella

$653

$54

State Farm

$682

$57

State Farm

$682

$57

GEICO

$686

$57

GEICO

$688

$57

Arbella

$699

$58

Amica Mutual

$699

$58

Amica Mutual

$707

$59

Arbella

$716

$60

American Family

$716

$60

American Family

$716

$60

Vermont Mutual

$721

$60

GEICO

$726

$61

American Family

$733

$61

American Family

$733

$61

Allstate

$757

$63

Safety Group

$758

$63

Vermont Mutual

$773

$64

State Farm

$791

$66

State Farm

$791

$66

State Farm

$798

$67

GEICO

$824

$69

Chubb

$837

$70

American Family

$840

$70

American Family

$840

$70

GEICO

$850

$71

Progressive

$854

$71

Arbella

$864

$72

American Family

$866

$72

Arbella

$885

$74

Travelers

$887

$74

American Family

$888

$74

Chubb

$889

$74

Allstate

$914

$76

Amica Mutual

$915

$76

Vermont Mutual

$916

$76

Progressive

$923

$77

GEICO

$927

$77

Chubb

$933

$78

Progressive

$935

$78

State Farm

$950

$79

GEICO

$952

$79

Allstate

$952

$79

Arbella

$954

$80

Amica Mutual

$986

$82

Amica Mutual

$997

$83

Vermont Mutual

$997

$83

Allstate

$1,011

$84

Progressive

$1,013

$84

American Family

$1,018

$85

Progressive

$1,034

$86

Vermont Mutual

$1,044

$87

Travelers

$1,046

$87

State Farm

$1,051

$88

State Farm

$1,051

$88

GEICO

$1,064

$89

GEICO

$1,066

$89

Chubb

$1,072

$89

Travelers

$1,072

$89

Vermont Mutual

$1,105

$92

Progressive

$1,106

$92

Progressive

$1,112

$93

Allstate

$1,118

$93

Chubb

$1,125

$94

Travelers

$1,129

$94

Arbella

$1,135

$95

Amica Mutual

$1,171

$98

GEICO

$1,178

$98

Travelers

$1,199

$100

Chubb

$1,210

$101

Safety Group

$1,210

$101

Hanover

$1,211

$101

GEICO

$1,212

$101

Progressive

$1,216

$101

Allstate

$1,216

$101

Safety Group

$1,221

$102

State Farm

$1,254

$105

State Farm

$1,254

$105

Vermont Mutual

$1,259

$105

Amica Mutual

$1,259

$105

Arbella

$1,264

$105

Allstate

$1,270

$106

Amica Mutual

$1,274

$106

Arbella

$1,295

$108

GEICO

$1,304

$109

Safety Group

$1,313

$109

Progressive

$1,321

$110

Travelers

$1,327

$111

Allstate

$1,345

$112

Arbella

$1,349

$112

Travelers

$1,367

$114

Plymouth Rock Assurance

$1,368

$114

Hanover

$1,379

$115

Plymouth Rock Assurance

$1,391

$116

GEICO

$1,400

$117

Amica Mutual

$1,404

$117

Allstate

$1,406

$117

Plymouth Rock Assurance

$1,406

$117

Vermont Mutual

$1,409

$117

Travelers

$1,419

$118

Vermont Mutual

$1,422

$119

Travelers

$1,456

$121

Safety Group

$1,456

$121

Chubb

$1,458

$122

Plymouth Rock Assurance

$1,465

$122

Amica Mutual

$1,469

$122

Plymouth Rock Assurance

$1,474

$123

Arbella

$1,492

$124

Hanover

$1,503

$125

Arbella

$1,524

$127

Plymouth Rock Assurance

$1,540

$128

American Family

$1,543

$129

American Family

$1,543

$129

Allstate

$1,576

$131

American Family

$1,581

$132

American Family

$1,581

$132

Hanover

$1,596

$133

Amica Mutual

$1,615

$135

Plymouth Rock Assurance

$1,617

$135

GEICO

$1,621

$135

Vermont Mutual

$1,622

$135

Plymouth Rock Assurance

$1,666

$139

GEICO

$1,690

$141

Plymouth Rock Assurance

$1,698

$142

Chubb

$1,718

$143

Arbella

$1,778

$148

Chubb

$1,789

$149

Safety Group

$1,795

$150

American Family

$1,796

$150

American Family

$1,796

$150

Arbella

$1,816

$151

Hanover

$1,817

$151

Progressive

$1,817

$151

Vermont Mutual

$1,824

$152

GEICO

$1,858

$155

Progressive

$1,870

$156

Amica Mutual

$1,872

$156

American Family

$1,898

$158

GEICO

$1,900

$158

Arbella

$1,924

$160

Allstate

$1,935

$161

Hanover

$1,940

$162

Progressive

$1,941

$162

American Family

$1,944

$162

Safety Group

$1,949

$162

Amica Mutual

$1,962

$164

Hanover

$1,979

$165

Vermont Mutual

$2,007

$167

Progressive

$2,026

$169

Travelers

$2,055

$171

Safety Group

$2,096

$175

Allstate

$2,099

$175

Hanover

$2,144

$179

Amica Mutual

$2,160

$180

American Family

$2,211

$184

Progressive

$2,220

$185

Vermont Mutual

$2,291

$191

Progressive

$2,291

$191

Hanover

$2,307

$192

Chubb

$2,310

$193

Allstate

$2,339

$195

Safety Group

$2,349

$196

Progressive

$2,377

$198

Chubb

$2,381

$198

Amica Mutual

$2,392

$199

Travelers

$2,405

$200

Progressive

$2,410

$201

Travelers

$2,421

$202

Chubb

$2,485

$207

Amica Mutual

$2,508

$209

Safety Group

$2,525

$210

Arbella

$2,542

$212

Allstate

$2,577

$215

Travelers

$2,583

$215

Arbella

$2,599

$217

Vermont Mutual

$2,606

$217

Safety Group

$2,722

$227

Amica Mutual

$2,763

$230

Progressive

$2,809

$234

Chubb

$2,821

$235

Travelers

$2,872

$239

Allstate

$2,875

$240

Safety Group

$2,881

$240

Chubb

$2,948

$246

Vermont Mutual

$2,966

$247

Travelers

$3,035

$253

Travelers

$3,048

$254

Safety Group

$3,100

$258

Chubb

$3,212

$268

Safety Group

$3,361

$280

Travelers

$3,370

$281

Travelers

$3,400

$283

Chubb

$3,814

$318

Safety Group

$4,379

$365

Safety Group

$4,710

$393

Safety Group

$5,416

$451

Safety Group

$5,825

$485

The severity of the driving offense determines the amount the insurance premium increases. In Worcester, expect a premium increase of at least $355 following a speeding ticket and $1,110 following a DUI. Remember that you can still find the cheapest insurance, even with a bad driving history.

Cheapest Car Insurance in Worcester for Teens and Their Families

The following companies offer the lowest rates for families adding a teen to their policies:

  • Progressive: $1,500 per year for female and male teens
  • Allstate: $3,381 per year for female and male teens

State Farm is another affordable option for teen drivers in Worcester, at $1,422 annually, but it is exclusive to existing policyholders in Massachusetts.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$629

$947

State Farm

$879

$1,814

State Farm

$879

$1,814

State Farm

$912

$1,917

State Farm

$912

$1,917

State Farm

$929

$1,917

State Farm

$929

$1,917

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

Allstate

$1,155

$2,007

GEICO

$1,176

$1,524

GEICO

$1,176

$1,524

Progressive

$1,187

$2,331

Progressive

$1,187

$2,331

GEICO

$1,198

$1,553

GEICO

$1,198

$1,553

GEICO

$1,214

$1,630

GEICO

$1,214

$1,630

GEICO

$1,225

$1,588

GEICO

$1,225

$1,588

Progressive

$1,246

$4,092

Progressive

$1,246

$4,092

Progressive

$1,249

$6,432

Progressive

$1,249

$6,432

Progressive

$1,374

$7,077

Progressive

$1,374

$7,077

State Farm

$1,422

$2,935

State Farm

$1,422

$2,935

State Farm

$1,422

$2,935

State Farm

$1,422

$2,935

State Farm

$1,422

$2,935

State Farm

$1,422

$2,935

Progressive

$1,457

$2,860

Progressive

$1,457

$2,860

Progressive

$1,493

$4,904

Progressive

$1,493

$4,904

Progressive

$1,500

$9,664

Progressive

$1,500

$5,779

Progressive

$1,500

$9,664

Progressive

$1,500

$5,779

Progressive

$1,527

$3,762

Progressive

$1,527

$3,762

Progressive

$1,545

$3,033

Progressive

$1,545

$3,033

Travelers

$1,752

$2,557

Travelers

$1,752

$2,557

GEICO

$1,789

$2,246

GEICO

$1,789

$2,246

Allstate

$1,896

$3,796

Allstate

$1,896

$3,796

GEICO

$1,915

$2,540

GEICO

$1,915

$2,540

GEICO

$1,932

$2,426

GEICO

$1,932

$2,426

Travelers

$2,022

$2,951

Travelers

$2,022

$2,951

Allstate

$2,105

$4,426

Allstate

$2,105

$4,426

Allstate

$2,210

$4,426

Allstate

$2,210

$4,426

Travelers

$2,321

$4,075

Travelers

$2,321

$4,075

Travelers

$2,573

$4,195

Travelers

$2,573

$4,195

Travelers

$2,594

$4,230

Travelers

$2,594

$4,230

Travelers

$2,651

$4,545

Travelers

$2,651

$4,545

Travelers

$2,718

$3,966

Travelers

$2,718

$3,966

GEICO

$3,081

$3,537

GEICO

$3,081

$3,537

Travelers

$3,153

$5,266

Travelers

$3,153

$5,266

Allstate

$3,172

$6,346

Allstate

$3,172

$6,346

GEICO

$3,310

$3,801

GEICO

$3,310

$3,801

Allstate

$3,341

$7,007

Allstate

$3,341

$7,007

Allstate

$3,347

$6,696

Allstate

$3,347

$6,696

GEICO

$3,353

$4,212

GEICO

$3,353

$4,212

Travelers

$3,397

$5,674

Travelers

$3,397

$5,674

Travelers

$3,630

$7,246

Travelers

$3,630

$7,246

Purchasing a separate policy is more expensive than adding a teen to a family policy. In Worcester, for example, families can save an estimated $1,687 by adding a male teen to a family policy. Explore the most affordable teen auto insurance options to compare prices and save money.

Cheapest Car Insurance in Worcester for Military Drivers

The following companies offer the cheapest car insurance for military members in Worcester and their families:

  • Plymouth Rock Assurance: $929 per year
  • USAA: $932 per year

State Farm is another low-cost full-coverage alternative in Worcester, with a yearly premium of $692, although it is only available to existing Massachusetts policyholders. At $301 per year, Hanover is Worcester's cheapest option if you only intend to purchase minimum coverage.

Company
Annual Premium
Monthly Premium

Hanover

$233

$19

State Farm

$253

$21

Hanover

$301

$25

Plymouth Rock Assurance

$303

$25

Plymouth Rock Assurance

$310

$26

USAA

$314

$26

State Farm

$333

$28

State Farm

$333

$28

Vermont Mutual

$333

$28

Hanover

$384

$32

Plymouth Rock Assurance

$392

$33

USAA

$395

$33

USAA

$412

$34

GEICO

$429

$36

Chubb

$432

$36

Allstate

$440

$37

Chubb

$453

$38

Vermont Mutual

$477

$40

Arbella

$477

$40

American Family

$523

$44

Amica Mutual

$523

$44

American Family

$526

$44

State Farm

$528

$44

Vermont Mutual

$543

$45

Amica Mutual

$564

$47

Amica Mutual

$571

$48

Chubb

$586

$49

Allstate

$586

$49

GEICO

$614

$51

American Family

$620

$52

Arbella

$630

$53

Safety Group

$633

$53

Arbella

$645

$54

Allstate

$645

$54

Travelers

$668

$56

GEICO

$671

$56

State Farm

$692

$58

State Farm

$692

$58

Vermont Mutual

$692

$58

USAA

$731

$61

Progressive

$738

$62

GEICO

$745

$62

Hanover

$830

$69

Progressive

$842

$70

Travelers

$853

$71

Plymouth Rock Assurance

$856

$71

Travelers

$902

$75

Plymouth Rock Assurance

$929

$77

USAA

$932

$78

Progressive

$935

$78

Allstate

$952

$79

Vermont Mutual

$987

$82

USAA

$1,013

$84

Safety Group

$1,018

$85

Arbella

$1,047

$87

GEICO

$1,087

$91

Hanover

$1,092

$91

Safety Group

$1,095

$91

American Family

$1,099

$92

American Family

$1,122

$94

Vermont Mutual

$1,125

$94

Plymouth Rock Assurance

$1,169

$97

Amica Mutual

$1,184

$99

GEICO

$1,202

$100

Amica Mutual

$1,237

$103

Chubb

$1,238

$103

Allstate

$1,270

$106

Chubb

$1,288

$107

American Family

$1,292

$108

Amica Mutual

$1,358

$113

Arbella

$1,372

$114

Hanover

$1,386

$116

Arbella

$1,402

$117

Allstate

$1,406

$117

Progressive

$1,470

$123

Safety Group

$1,511

$126

Travelers

$1,565

$130

Progressive

$1,579

$132

Chubb

$1,661

$138

Progressive

$1,916

$160

Travelers

$1,960

$163

Travelers

$2,160

$180

Safety Group

$2,421

$202

Safety Group

$2,605

$217

How to Compare Cheap Worcester Car Insurance Quotes Online

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State Farm

Best Car Insurance in Worcester: Summary

The best car insurance in Massachusetts will depend on how much you value customer service, affordability and other factors. Chubb emerged as Worcester’s best option in several MoneyGeek categories:

  • Best overall: Chubb (MoneyGeek score 79 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score 82 out of 100)

A company’s MoneyGeek score can vary depending on how factors are weighted in each category. The best option for military personnel in Worcester is USSA, with a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Worcester

The following firms are the best overall car insurance companies in Worcester out of the 13 providers we analyzed:

  • Chubb: MoneyGeek score 79 out of 100 ($1,238 per year)
  • Amica Mutual: MoneyGeek score 77 out of 100 ($1,184 per year)

Chubb achieved the highest rank because of its exceptional client satisfaction scores and relative affordability. Amica also scores high for customer satisfaction and is more affordable than Chubb. Worcester military members will find the best insurance from USAA, with a MoneyGeek score of 80 out of 100.

How was this MoneyGeek score calculated?

Chubb

pros

Strong customer service

Outstanding claims management rating

Provides unique coverages

cons

Average affordability

Few add-on coverage options

COMPANY HIGHLIGHTS

With an overall MoneyGeek score of 79 out of 100, Chubb offers the overall best car insurance in Worcester. This insurance company boasts outstanding scores for customer service and claims management. It is the eighth most expensive in the city.

Chubb offers policyholders a limited selection of coverages, including rental car reimbursement. However, its Original Equipment Manufacturer (OEM) coverage is fairly rare. Chubb will pay the cost of using original parts to repair your car after a covered incident to ensure the vehicle's safety systems continue to work at optimal levels.

Best Car Insurance in Worcester for Customer Service

After eliminating the affordability score, the following emerged as the best car insurance companies in Worcester for customer service:

  • Chubb: MoneyGeek score 76 out of 100 ($1,238 per year)
  • Capital Insurance Group: MoneyGeek score 71 out of 100 ($1,184 per year)

Although it is among the more expensive insurers in the city, Chubb consistently receives high marks for its service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked #2 for customer service among 12 companies

Excellent claims management

Many unique add-on coverages to choose from

cons

Only the eight-cheapest out of 12 insurers

Lacks some common coverage options

COMPANY HIGHLIGHTS

Chubb offers the best customer service in Worcester out of the 12 insurance companies we evaluated. We gave the company top marks for claims and customer satisfaction. Yet, the company's insurance costs are among the highest in the city, with an average yearly cost of $1,238.

This insurer offers special coverages such as diminished value coverage, antique/classic car insurance and Original Equipment Manufacturer (OEM) coverage. With the company’s Agreed Value coverage, you agree to what your car is worth when the policy is written. If your car is stolen or totaled, Chubb will pay you that amount, potentially saving you thousands. However, Chubb lacks most of the common add-on coverages, like roadside assistance, gap insurance and accident forgiveness.

Best Cheap Car Insurance in Worcester

The following companies are the best minimum coverage auto insurance in Worcester:

  • Chubb: MoneyGeek score 82 out of 100 ($432 per year)
  • Hanover: MoneyGeek score 78 out of 100 ($301 per year)

Note that minimum coverage is inexpensive but may fail to cover car damage or provide enough liability coverage.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable minimum coverage policy costs $432 per year

Strong customer satisfaction rating

Provides unique discounts

cons

Does not offer some common discounts

Few coverage options available

COMPANY HIGHLIGHTS

With an affordable minimum coverage policy costing $432 annually, Chubb emerged as the fourth cheapest in Worcester. But with its strong customer satisfaction and claims scores, this company ranks as the city’s best cheap auto insurance.

Chubb provides both standard and unique discounts that help customers cut costs. Policyholders can get discounts for bundling their home and auto insurance, having an anti-theft system or anti-lock brakes and completing a defensive driving course. The company’s more unique discounts include those for having daytime running lights, a honing device and a VIN window glass etching.

Average Cost of Car Insurance in Worcester

Worcester's average annual auto insurance rate ($1,250 as of October 2022) is slightly lower than the Massachusetts and national averages, which are $1,269 and $1,265. Full coverage policies include $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage. Location is just one of many variables that can affect insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.