Cheapest and Best Car Insurance in Worcester, MA (July 2024)

The best or cheapest auto insurance in Worcester, Massachusetts, depends on coverage choices and driver details. State Farm leads with the lowest rates for minimum and full coverages, as well as for families with teens. Safety Group ranks highest for overall value, balancing price and customer service.

MoneyGeek found that State Farm is Worcester's cheapest car insurance. Here are the lowest rates for minimum coverage:

• State Farm: $333 per year
• Plymouth Rock Assurance: $362 per year

Progressive has the most expensive policy at $936 annually, higher by $603 than the cheapest insurer. Compare rates for car insurance to ensure you're getting the best deal.

Massachusetts law sets the minimum car insurance coverage requirements:

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

For example, if you're at fault in an accident, your insurance would cover up to $20,000 for each injured person, with a maximum of $40,000 for the entire accident. Any expenses exceeding these limits should come out of your pocket.

MoneyGeek found that State Farm offers Worcester's cheapest full coverage car insurance.

• State Farm: $692 per year
• Plymouth Rock Assurance: $883 per year

Travelers offers the most expensive policy at $2,192 annually, $1,500 more than State Farm. This price gap underscores the importance of comparing car insurance rates. Full coverage policies are costlier than minimum coverage because they protect against a wider range of incidents.

A full coverage policy enhances protection with higher liability limits than minimum coverage: $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.

Full coverage also includes these insurance types:

• Collision insurance covers vehicle repair costs after collisions, whether with another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive insurance provides financial protection from theft, weather damage, vandalism, fires, natural disasters and hitting animals like deer.

Full coverage insurance is typically required if you lease or have a car loan. For new vehicles, full coverage acts as a financial shield for investment. However, the additional protection may not justify higher premiums for older vehicles. Finding the right amount of car insurance involves balancing coverage against premiums to prepare for unexpected expenses.

MoneyGeek found that State Farm has the lowest rates for drivers with poor records in Worcester across different driving offenses:

• Speeding Ticket: $791 per year
• At-Fault Accident: $1,051 per year
• DUI: $1,254 per year

State Farm's rates increase from $791 after a speeding ticket to $1,254 after a DUI, showing the financial impact of more severe infractions.

In Worcester and other cities, insurance rates rise significantly with the severity of driving violations. For example, the average annual rate for a driver with a speeding ticket is $1,713, while a DUI costs $2,448. This shows the importance of comparing insurance rates, as it can lead to significant savings for those with infractions.

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for teenagers in Worcester. These cheapest rates are for policies covering two parents and a teen driver:

• State Farm: $1,422 per year for female and male teens
• Progressive: $1,500 per year for female and male teens

Travelers has the most expensive teen family policy, with an annual premium of $3,630 for female teens. The difference in rates between State Farm and Travelers is $2,208, highlighting the importance of comparing options for the cheapest car insurance for teens to find significant savings, given the higher risk of insuring teen drivers.

In Worcester, teen drivers often face high car insurance premiums. An individual teen policy costs an average of $4,726 annually, while adding a teen driver to a family’s existing policy typically averages $2,649 per year. The $2,079 difference exists because insurers consider young drivers high risk due to inexperience, preferring to provide family plans that usually include more experienced drivers to mitigate risks.

MoneyGeek found that State Farm provides Worcester's cheapest car insurance for military backgrounds.

• State Farm: $692 per year
• Plymouth Rock Assurance: $883 per year

While USAA is not the cheapest in this dataset, ranking seventh with an annual premium of $1,299, it specializes in serving active-duty military members at competitive rates.

Comparing rates helps you save on car insurance in Worcester. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. Make the process much easier with MoneyGeek's car insurance calculator. Just enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Choosing the right auto insurance depends on how you prioritize factors like service, cost and coverage. Safety Group excels in all categories with these top MoneyGeek scores:

• Best overall: 83 out of 100
• Best for service: 85 out of 100
• Best cheap: 88 out of 100

Safety Group leads in overall value, service, and affordability, making it the top choice for Worcester residents seeking comprehensive insurance without compromising cost or quality.

MoneyGeek found that Safety Group is the best car insurance company in Worcester.

• Safety Group: MoneyGeek score of 83 out of 100 ($1,161 per year)
• Chubb: MoneyGeek score of 82 out of 100 ($1,238 per year)

Safety Group earned high satisfaction and affordability scores, contributing significantly to its overall MoneyGeek score and reflecting its high-quality service and reliable insurance coverage.

MoneyGeek found that Safety Group has the best customer service for car insurance in Worcester based on client satisfaction, claims processing efficiency and coverage selections.

• Safety Group: MoneyGeek score of 85 out of 100 ($1,161 per year)
• Amica Mutual: MoneyGeek score of 84 out of 100 ($1,505 per year)

Safety Group has the highest MoneyGeek score because of its top satisfaction and claims performance, reflecting its effective and efficient customer service.

MoneyGeek found that Safety Group offers the best cheap car insurance in Worcester, balancing affordability with quality service. This selection considers cost, customer satisfaction and claims handling.

• Safety Group: MoneyGeek score of 88 out of 100 ($394 per year)
• Chubb: MoneyGeek score of 87 out of 100 ($432 per year)

Safety Group earns a high MoneyGeek score because of its low rates for a minimum coverage policy. This top insurer also ensures customer satisfaction and efficient claims handling.

In Worcester, car owners pay an average of $1,296 for insurance, slightly less than the state average of $1,342. Compared to the national average of $1,781, Massachusetts residents enjoy more affordable rates by $439.

Location greatly affects premiums, influenced by traffic density and crime rates. For example, Cambridge has the lowest premium at $1,102, while Boston tops the state at $1,948 — a difference of $846. Rural areas often have more competitive rates due to lower traffic density.