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In the market for auto insurance in Worcester? With AutoInsuranceEZ.com, Anyone can find the lowest insurance rates locally. To obtain several free car insurance quotes offered from some of the major providers today, just provide your local zip code. It couldn’t be easier

Worcester is one of those cities which, while it may not be center-stage in the national consciousness, still has much to offer. For tourists, it is a location of natural beauty and rich history, as well as famous museums and awe-inspiring architecture. Additionally, local residents and businesses can benefit economically from all of the high-technology products and services which are located in Worcester.

  • Here’s a fun (and spooky) fact: Worcester is #60 on the list of “Top 100 cities with oldest houses (pop. 50,000+)”!

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in Worcester requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Massachusetts minimum requirements are a little higher than in most other states. For starters, not all areas require Uninsured Motorist coverage. They also don’t usually put such high limits on their Liability coverage, either.

Your typical Massachusetts motorist might be paying as much as $134 each month just for their auto policy alone. But living in Worcester can give you an advantage. If you act fast, you can get rates as low as $75/mo*!

Average Monthly Auto Insurance Premiums Legend: Worcester Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 135 150 $153 $54 $57 $54 $55

 

As of right now, the lowest-priced providers in Worcester are Allstate, Encompass, and National Grange Mutual. But remember: a low rate isn’t everything. Do your homework before you switch companies, or else you might end up with a provider whose customer and claims services are lacking.

Auto insurance companies evaluate many factors when calculating insurance quotes, which include gender, geography, occupation, education, and theft protection devices. Additionally, premiums will change from one carrier to another. To verify you’re still getting the most favorable rate, you should compare cheap Worcester auto insurance quotes on the internet.

Major Car Insurance Factors in Worcester

There are many ways in which car insurance rates might be determined for you. But not all of it is out of your control; there are steps you can take so that you can impact what discounts you are eligible to acquire. Listed here are a few of these factors in greater detail:

  • Your Zip Code

Where you park your automobile each night will have a major impact on your car insurance rate. Generally, car insurance cost less in rural areas because fewer cars means a reduced likelihood that you will be involved in a wreck with another automobile. The population of Worcester is 182,544 and the typical household income is $45,011.

Auto Insurance by Zip Code Legend: Boston Cambridge Lowell Springfield Worcester Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 135 150 165 $126 $119 $145 $179 $153 $56 $47 $53 $67 $54 $54 $49 $56 $67 $57 $54 $43 $59 $68 $54 $47 $42 $52 $70 $55

 

  • Automotive Accidents

The statistics for serious accidents in Worcester is fairly low, which means your local insurance provider might automatically offer lower rates. If the town you live in is a relatively safe place to drive, insurance companies tend to offer lower rates.

Fatal Accidents in Worcester, MA Legend: Worcester Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 9 15 1 9 16 5

 

  • Auto Thefts in Worcester

Auto theft is a major problem, especially in densely populated urban centers. If your locale and/or vehicle model put you at a greater risk for theft, you could have issues obtaining low-cost car insurance. There were 399 stolen automobiles in 2013 within the city of Worcester. That’s a fairly low number, and it reflects a decline in recent years. But it may still benefit you to consider Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 300 $153 $305 $54 $134 $57 $145 $54 $146 $55 $111

 

  • Your Credit Score

Luckily for Worcester residents with low credit scores, your state is one of three in the country where it is illegal for automotive insurance companies to charge different rates based on credit scores. However, be prepared to pay just a little bit extra; it is likely that your provider will charge everyone a slightly higher rate to offset their financial risk and profit loss.

 

  • Your Age

The older you are, the more experience you will likely have behind the wheel. With this experience comes lower monthly premiums. That’s why teenage drivers are charged so much more – their lack of experience makes them a much riskier investment.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Amica Encompass National Grange Mutual 50 100 150 200 250 300 350 400 450 500 550 $153 $565 $54 $235 $57 $226 $54 $270 $55 $335

 

  • Your Driving Record

If you can afford an expensive, luxury vehicle, make sure you set aside enough money for the expensive automotive insurance that comes with it. Unlike your average sedan, bare minimum coverage isn’t going to be enough to properly insure a luxury vehicle.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Amica Encompass National Grange Mutual 20 40 60 80 100 120 140 160 180 200 220 240 $153 $182 Do Not Sell $258 $54 $60 $125 $60 $57 $69 $120 $95 $54 $97 $187 $130 $55 $82 $101 $82

 

  • Your Vehicle

If you can afford an expensive, luxury vehicle, make sure you set aside enough money for the expensive automotive insurance that comes with it. Unlike your average sedan, bare minimum coverage isn’t going to be enough to properly insure a luxury vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 300 330 $153 $335 $54 $159 $57 $164 $54 $156 $55 $128

 

Minor Car Insurance Factors in Worcester

Of All the factors which might raise (or even lower) your monthly insurance bill, the following are sometimes less influential:

  • Your Marital Status

Married couples have the option to bundle multiple insurance policies together, least of which are their automotive insurance policies. You can save a bundle by bundling renters or homeowner’s insurance, too. Just make sure your preferred provider offers all of these policy options to their customers.

  • Your Gender

The truth is that no specific gender is winning the battle of the sexes when it comes to driving. Most providers these days don’t charge different rates for male and female drivers. And those who still do can’t make up their minds on who should be charged more – some providers will charge women more, while others will offer higher quotes to male drivers.

  • Your Driving Distance to Work

If you live and work in Worcester, you can expect to spend about 19-22 minutes commuting to or from work each way. Approximately 75% of drivers would rather take their own vehicle to work than take public transportation. Still, a good 9% of workers in Worcester prefer to use a carpool.

You’d think that doing your best to limit your mileage each year would yield serious discounts. Unfortunately, you’d be wrong. At best, you can only lower your monthly premium by about 3-4%. Be careful, though, before listing your vehicle as a business vehicle on your policy. Those types of automobiles can cost over 10% more to insure each month than vehicles used for work, school, or pleasure commutes.

  • Your Coverage and Deductibles

If you want to add coverage to your policy but still keep your rates low, talk to your insurer about raising your deductible. Carrying a higher deductible will dramatically lower your rate. The only downside is that, if you do have to file a claim, you will have to pay that deductible before your insurance company will pay the rest.

  • Education in Worcester, MA

Nearly 30% of drivers in Worcester have earned their high school diploma. Just under a quarter of the population have yet to complete their high school education. For those of you who are still weighing the pros and cons of a higher education, consider this: recent studies show that the more education you have, the more money you can save on car insurance! You’ll get even bigger discounts than with a nice job or a high salary.

Worcester is home to several universities with stellar reputations, especially in the field of medicine. The UMass Medical Center is a teaching hospital which has won many prestigious grants and awards in recent years. Additionally, Worcester State College has a renowned biomedical sciences program. But if you are looking for a private school, be sure to check out Becker College or the Worcester Polytechnic Institute.

Unfortunately for most insurance companies, a simple search on the internet can uncover many of their trade secrets. But even with the right information, it can still be difficult for you as an individual to figure out your risk profile and get low-cost insurance. Make sure you do your due diligence prior to committing to your next car insurance policy. Read up on Worcester, MA by following this link.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Massachusetts Division of Insurance

Massachusetts Division of Insurance and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

 

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