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.
Compare the Cheapest Car Insurance Quotes in Worcester, MA
The Cheapest and Best Car Insurance in Worcester
The Cheapest Car Insurance Companies in Worcester
To purchase a full coverage car insurance policy in Worcester, the following insurers are the cheapest:
- Safety Group: $731 yearly
- Plymouth Rock Assurance: $767 yearly
The sample profile used for analyzing the cheapest insurers in Worcester is of a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.
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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.
The Best Car Insurance Companies in Worcester
MoneyGeek ranked the insurance providers in Worcester to help drivers find an insurer offering a balance of affordability and excellent service. According to our exclusive ranking system, the two best insurers for most drivers are:
- GEICO: MoneyGeek score of 93 out of 100
- Allstate: MoneyGeek score of 88 out of 100
USAA received the highest score in Worcester by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate scores out of 100, MoneyGeek used various criteria, including J.D. Power’s ratings for affordability, financial stability and user satisfaction.
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.
Shopping around for car insurance in Worcester could save you $402, which is enough to buy:
Cheapest Car Insurance in Worcester by Coverage Amount
Regardless of where you live, the amount of coverage you purchase is one of the most significant factors influencing insurance costs. In Worcester, a state minimum liability plan covering bodily injuries and property damage costs an average of $579. A full coverage policy with higher liability limits costs $554 more, at an average of $1,133 yearly.
Massachusetts Minimum Liability Requirements
- 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.
The most affordable car insurance in Worcester is the state minimum liability plan from Plymouth Rock Assurance, with an annual premium of $338. However, drivers using this plan and any other liability only plan may need to purchase additional coverage in case of personal injury during an accident.
The 50/100/50 liability only and 50/100/50 full coverage plans allow drivers to claim $50,000 in medical bills per person, $100,000 for each vehicle and $50,000 for property damage. While a driver from Safety Group spends $551 annually for a liability only plan, they can pay an additional $137 to receive full coverage so that their expenses are covered in case of an accident.
If you choose to purchase a 100/300/100 full coverage plan, you’ll be covered for $100,000, $300,000 and $100,000 in medical bills, vehicle coverage and property damage claims, respectively. Many drivers opt to purchase these plans, as they typically don’t cost much more than their 50/100/50 counterparts.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- 2.Safety Group$434$551
- Company50 / 100 / 50per year100 / 300 / 100per year
- 2.Safety Group$688$731
Cheapest Car Insurance in Worcester if You Have Driving Violations
To get the most affordable car insurance rates in Worcester, you need to have no history of accidents and other traffic violations. If you have a speeding ticket, were involved in an at-fault accident or have been charged for driving under the influence (DUI), your rates will be higher than someone with a clean driving record.
Plymouth Rock Assurance, the cheapest car insurance company in Worcester, charges $767 on average as the annual premium for drivers with no violations. Drivers with speeding tickets pay $339 more, while those involved in at-fault accidents pay $1,156 for the same coverage. DUIs can increase your car insurance rate by $438 per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Worcester are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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