State Farm offers the best home insurance in Springfield, balancing affordability, customer service and coverage options. For those focusing on price, Amica provides the lowest premium at around $137 per month.
Cheap Home Insurance in Springfield
Updated: June 10, 2025
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Key Takeaways
State Farm is the top choice for overall value for Springfield residents, while Amica offers the cheapest rate of $1,641 annually.
Home insurance in Springfield costs around $453 per month, totaling approximately $5,442 each year.
To secure the best and most affordable home insurance, assess your coverage needs, research providers and compare multiple quotes.
Best Cheap Home Insurance Companies in Springfield
| State Farm | 92 | $196 | $2,354 |
| Nationwide | 89 | $237 | $2,847 |
| Amica | 85 | $137 | $1,641 |
| American Family | 85 | $308 | $3,691 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Springfield Home Insurance Cost?
Home insurance costs in Springfield vary widely by your personal profile, coverage chosen and home details. Rates range from $165 to $1,424 per month on average. Below, you can compare personalized rates based on your home age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $165 | $1,983 |
How to Get the Best Cheap Home Insurance in Springfield
Finding affordable home insurance in Springfield can be challenging. We created a step-by-step guide to help you find the best cheap options for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Massachusetts for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to ensure you get the lowest price.
Best Home Insurance in Springfield: Bottom Line
The top three best and cheapest home insurance providers in Springfield are State Farm, Nationwide and Amica. While these are our recommendations, do your own research and compare multiple quotes to get the best deal.
Springfield Home Insurance: FAQ
We answer frequently asked questions about home insurance for Springfield residents below.
Who offers the best home insurance in Springfield?
Our pick for the top home insurance provider in Springfield is State Farm for its competitive rates, high customer satisfaction and diverse coverage options. You should consider getting quotes from Nationwide, Amica and American Family.
Who has the cheapest home insurance in Springfield?
Amica provides the most affordable home insurance for the average homeowner, costing about $137 per month or $1,641 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Springfield?
Home insurance costs in Springfield range from $1,983 to $17,086 annually, depending on property age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Springfield
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Springfield. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.