Compare the Cheapest Car Insurance Quotes in Worcester, MA

Worcester's average annual car insurance cost of $1,133 is $21 higher than the state average. MoneyGeek analyzed different insurance companies in Worcester based on various driving profiles and coverage amounts. Safety Group is the cheapest insurer in this city, with an average annual rate of $731. MoneyGeek also has recommendations on Worcester's best insurers for those looking for an affordable insurance company offering great service.


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Last Updated: 11/25/2022
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While Safety Group offers the cheapest full coverage insurance in Worcester, Plymouth Rock Assurance has the cheapest state minimum policies. For drivers with a speeding ticket, State Farm is the most affordable option, although members of the military may opt for USAA.

GEICO is the best overall choice of insurance company based on MoneyGeek’s analysis of insurers that balance affordability with quality service.

iconribbonbestauto insuranceWorcester2022

The Cheapest and Best Car Insurance in Worcester

The Cheapest Car Insurance Companies in Worcester

The top two insurers in Worcester for the most affordable full coverage policies are:

  • Safety Group: $731 per year
  • Plymouth Rock Assurance: $767 per year

At $2,088 per annum, Travelers has the most expensive premium for full insurance coverage in Worcester. It is higher by 185% than that offered by Safety Group.

Full coverage policies include comprehensive and collision coverages. This additional overall coverage makes full coverage policies more expensive than state minimum liability-only policies.

Cheapest Car Insurance in Worcester
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Safety Group
  • 2.
    Plymouth Rock Assurance
  • 3.
    State Farm
  • 4.
  • 5.
  • 6.
  • 7.
    Amica Mutual
  • 8.
  • 9.
    Arbella Insurance Group
  • 10.
  • 11.

MoneyGeek’s evaluation of the best insurance companies in Worcester collected information for a sample driver, being a 40-year-old male driver, obtaining quotes for full coverage policies from multiple companies, as set out in our methodology.

While drivers do have to pay more for a full coverage policy, it provides added protection with the inclusion of comprehensive and collision insurance.

  • Comprehensive Insurance: Comprehensive insurance covers different types of loss which do not occur as a result of a collision. Examples of such damage are those caused by hail or fallen trees, in addition to loss from theft.
  • Collision Insurance: Collision coverage is applicable when a driver is involved in a car accident. It pays for the cost of repairs when the covered vehicle collides with another vehicle or object, such as a tree or a fence.

Full coverage policies are a good option if you have a new car. If your vehicle is older or has depreciated considerably from the time of purchase, it will certainly be cheaper to opt for a state minimum policy or even liability-only insurance, if available.

Compare Car Insurance Rates in Worcester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Worcester for Minimum Coverage

If you are looking for the cheapest insurance in Worcester, choosing a state minimum policy is the best option. The top two insurers based on this criteria are:

  • Plymouth Rock Assurance: $338 per year
  • State Farm: $394 per year

Although state minimum policies are the most affordable, they may lead to significant out-of-pocket expenses in case of an accident. However, if you choose to have higher levels of liability insurance, it will come at an added cost.

To learn about the cost differences between liability-only and state minimum insurance premiums, read the below table.

Cheapest Minimum Liability Car Insurance in Worcester
State Minimum

As the name suggests, state minimum car insurance is the minimum amount of insurance drivers must have to comply with state laws. In Massachusetts, your policy must have at least 20/40/5 liability limits. Although this may be the cheapest option for many, it may lead to considerable expenses if you are involved in an accident.

For instance, if you are responsible for an accident in Massachusetts that leads to medical bills for the other driver of $35,000, your insurer will pay $20,000 of that amount. You will have to pay the rest out of pocket.

Massachusetts Minimum Liability Requirements

  • Item
  • 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.

Cheapest Car Insurance in Worcester if You Have Driving Violations

If you have driving violations such as a DUI, at-fault accident or a speeding ticket, your insurance costs will increase, sometimes quite drastically. Worcester insurers that offer the cheapest policies for drivers with bad records are:

  • Cheapest after a ticket: State Farm, $989 per year
  • Cheapest after an at-fault accident: Plymouth Rock Assurance, $1,156 per year
  • Cheapest after a DUI: Plymouth Rock Assurance, $1,205 per year

Because it may take time for you to improve your driving history to reduce your premiums, it can pay to compare quotes from multiple companies to get the best cheap car insurance right now.

Cheapest Car Insurance in Worcester With a Violation
Speeding Ticket

Average Cost of Car Insurance in Worcester


On average, a 40-year-old male driver with no violations pays about $1,133 for their annual car insurance premium in Worcester. The cost may increase or decrease once factors such as coverage level, car model, ZIP code and credit score are taken into account. Worcester’s average annual auto insurance rate is almost the same as the average Massachusetts rate of $1,112, with only a difference of 1.9%. The yearly cost of auto insurance is 20.4% lower than the United States’ average rate.

Personalized Quotes to Get You the Cheapest Car Insurance in Worcester

Car insurance providers in Worcester determine their average annual rates through assessing personalized factors, including the driver’s location, age, driving history and marital status. These rates change as each driver’s circumstances change. If you compare car insurance quotes from different providers frequently, you can better secure an affordable rate.

Compare Car Insurance Rates in Worcester

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Car Insurance Companies in Worcester

MoneyGeek used claims ratings, average costs and customer satisfaction to evaluate the best car insurance companies in Worcester, Massachusetts. The research shows the top-rated car insurance providers in Worcester are:

  • Plymouth Rock Assurance: MoneyGeek score of 90.6 out of 100
  • State Farm: MoneyGeek score of 89.2 out of 100

MoneyGeek discovered that USAA is the best car insurance in Worcester, with a score of 95 out of 100. However, MoneyGeek excluded USAA in its analysis because it is only available to military families.

State Farm
There are no ratings for this company
Geek Quick Take
Geek Quick Take

State Farm is the second-best insurance company in Worcester. The company scored well in claims, affordability and customer satisfaction. A 40-year-old driver can get full coverage for around $864 annually. Policyholders can get rideshare assistance.

More About State Farm

State Farm offers an accident-free discount in Worcester that is a great feature for drivers who are insured by State Farm. This insurance is available when the vehicle remains accident-free for three years. Roadside assistance is another feature that covers the cost of mechanical damage for a period of one hour. The policy also covers the cost of accessing a vehicle when the owner loses their keys or is locked out of their car.

Read MoneyGeek's State Farm auto Insurance Review
Plymouth Rock Assurance




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Plymouth Rock Assurance is the best insurance company in Worcester, scoring well in affordability but lower in satisfaction and claims. A 40-year-old can get full coverage for roughly $767 per year. The insurer offers a glass deductible modification.

More About Plymouth Rock Assurance

Plymouth Rock Assurance offers original equipment manufacturer coverage in Worcester. This covers an insured vehicle that requires replacement of parts or damage repairs that the original manufacturer cannot provide. Glass deductible modification is another protection from Plymouth Rock Assurance that lets the policyholder cover costs for the insured vehicle beyond glass repair. Additionally, roadside assistance offers Worcester drivers coverage for towing charges when the insured vehicle breaks down.

Read MoneyGeek's Plymouth Rock Assurance auto Insurance Review

Average Cost of Car Insurance by Postal Code

Drivers may pay more or less than city and state average annual insurance rates depending on where they live. Certain factors, including the number of car thefts and accidents in an area, influence car insurance prices for each neighborhood. However, Worcester is an exception to this rule. Drivers across the city pay an average of $1,133 per year for car insurance, regardless of ZIP code.

  • Zip Code
    State Minimumper year
  • 01604
  • 01605

Factors That Impact Insurance Costs in Worcester

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 Worcester. How Worcester ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities155th/300
handcuffs2 icon
Most Car Thefts3rd/300
uninsured icon
Most Uninsured Motorists by State49th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall45th/300
umbrella icon
Most Rainy Days27th/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.