Springfield, MA Auto Insurance | Cheap Car Insurance in Springfield, MA

Massachusetts auto insurance requires a base coverage (20/40/5) for all residents (more information below). Some of the best Springfield, MA car insurance companies offer affordable premiums. The companies that offer cheap car insurance in Springfield, MA are Liberty Mutual, Allstate, Amica Mutual, Encompass, and National Grange Mutual. Allstate and Amica Mutual offer drivers searching for Springfield, MA auto insurance $67/month.

Are you looking for cheap auto insurance in Springfield, MA? We want to help you find the best car insurance Springfield, MA. This includes car insurance in West Springfield, MA or home insurance West Springfield, MA.

To receive free insurance quotes MA or Springfield, MA car insurance quotes from the best auto insurance companies in MA available, enter your local ZIP code in the FREE comparison tool above.

Massachusetts Auto Insurance Coverage Requirements

 

According to the Massachusetts Division of Insurance, these are the legal auto insurance requirements in Massachusetts:

It should be noted that Massachusetts auto insurance minimums are a little higher than in some other states. An auto policy in Massachusetts may have higher limits on liability coverage and uninsured motorist coverage, but it could pay off in the long run.

This video further explains liability car insurance and how it works.

If you’re legally covered in Massachusetts, you could be paying as much as $134 or more each month for your auto insurance policy. But did you know that Springfield drivers can now lower their auto insurance rates to $90/mo* or less? We can show you how.

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Cheapest Car Insurance in Springfield, MA

There are a variety of companies offering competitive rates, such as Freeway Insurance Springfield, MA, Western Mass Auto Insurance Springfield, MA (also known as Western Mass Auto Insurance Inc. Springfield, MA), Best Value Auto Springfield, MA, and more. However, Allstate, Amica, and Encompass are in a bidding war to be the lowest-priced Springfield, Massachusetts car insurance companies. If you’re paying too much for your current policy, you can and should switch companies. Just make sure that, along with low rates, they also offer great customer and claims services.

Auto insurance companies in Massachusetts, like other states, evaluate different factors when determining how much to quote you for insurance, including marital status, driving violations, type of vehicle owned, education, and whether or not you also use your car for business.

Premiums will change among Springfield, MA auto insurance companies. To make sure you’re still receiving the most favorable rate, use the internet to compare cheap Springfield, MA auto insurance quotes.

You can find the best local car insurance companies in Springfield, Massachusetts using our FREE comparison tool. Enter your ZIP code to start getting the most affordable Massachusetts car insurance.

Major Factors in Cheap Car Insurance in Springfield, Massachusetts

There are many ways that your car insurance Springfield rate can be determined, but not all of it is out of your control. There are actions you can take to control which discounts you are eligible for.

Your ZIP Code

Affordable car insurance is generally available in cities that have lower numbers of residents. Since there aren’t many cars traveling the road, you’re not as likely to be involved in a severe car accident with anyone else. The total population of Springfield is 153,703, and the average household income is $34,734.

Let’s examine the best auto insurance in Springfield, MA, and compare it to neighboring cities.

Liberty Mutual in Springfield, MA has the highest car insurance available. Car insurance prices in Massachusetts vary because urban and rural areas present different levels of risk.

Overall, car insurance Western MA is cheaper because there are more rural areas. Springfield, Northampton, and Amherst are the only major metropolitan areas in western Massachusetts.

Quincy, MA is a small town north of Springfield that carries cheaper auto insurance rates. The latest Quadrant Data reported that the average Quincy, MA, auto insurance is $1,141 per year.

Automotive Accidents

Serious car accidents in Springfield, MA occur more often than they do in similarly-sized cities. This may partially explain why policy premiums in Springfield are so high. The more likely you are to get into an accident, the more your insurance provider will charge you.

Auto Thefts in Springfield

Auto theft is a major problem, especially in densely populated cities. If your locale and vehicle model put you at a higher risk for theft, you may have trouble finding low-cost car insurance. 735 vehicles were stolen in Springfield in 2013. Per capita, auto theft is still pretty high. You might want to consider having comprehensive coverage on your policy.

Your Credit Score

Because they are located in Massachusetts, Springfield insurance providers are prohibited by law from charging different rates based on your credit score. This policy only applies to Massachusetts and two other states. Everywhere else, insurance companies can and will charge lower rates for a good credit score and significantly higher premiums for drivers with poor credit.

Your Age

Some companies charge teenage drivers up to 300 percent more for insurance than someone twice their age. Due to their inexperience, they are much more likely to get into an accident.

Your Driving Record

Insurance providers are increasingly offering accident forgiveness discounts for drivers with minor violations on their records. However, there are limits to these discounts. Most of them won’t apply to serious citations, such as a DUI or a Reckless Driving charge. Not only are such offenses expensive, but you may end up losing your coverage and require high-risk insurance.

Your Vehicle

The more expensive your vehicle is, the more it will cost to insure. You might be able to get away with minimum coverage amounts on a less expensive car. However, you’ll want to invest in more extensive coverage when it comes to luxury automobiles.

Minor Factors in Cheap Auto Insurance in Springfield, Massachusetts

Your Marital Status

Married couples can significantly lower their premiums for insurance Springfield, MA by bundling their policies with the same company. If your insurance company also provides homeowners or renters insurance, you can save even more.

Your Gender

The days of one gender being known as the better driver are becoming a relic of the past. These days, several major providers charge the same rate, regardless of gender. Those who still do charge different premiums usually raise prices no more than two percent on average.

Your Driving Distance to Work

Those who drive to work in Springfield can expect their average commute to last around 15-20 minutes. Of those who do drive to their place of employment, nearly three-quarters drive their car alone, and five to 20 percent will carpool with their co-workers.

Limiting your yearly mileage will save you money on gas and reduce your chances of an accident, but it won’t help lower your monthly premium. Even if you drive fewer miles than average, you’ll only reduce your rate by two to three percent at best.

If you can, avoid insuring your car, truck, or SUV as a business vehicle. That classification can cost you 10 percent or more in rate hikes.

Your Coverage & Deductibles

If you need more coverage but don’t have enough money to budget each month, talk to your insurance agent about raising your deductible. You will have to pay more if you need to file a claim, but you can save more money long-term with a lower monthly payment.

Education in Springfield, MA

Nearly one-third of Springfield residents have their high school diploma, while more than a quarter of all drivers have yet to complete their education. Those who have the means and the desire to expand their education may get a lower rate on auto insurance.

Springfield is an integral part of what is known in the New England region as the “Knowledge Corridor.” Between Springfield and nearby Hartford, there are almost three dozen different universities educating hundreds of thousands of students each year. There is also Cambridge College, which specifically caters to adults looking to change careers or improve their professional credentials, as well as the American Career Institute Springfield Mass.

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How We Conducted Our Auto 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 in Massachusetts, a clean driving record, and 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.

If you want to compare the best car insurance in Springfield, MA and find cheap auto insurance, enter your ZIP code in our FREE comparison tool below for the most affordable Springfield, MA auto insurance.

Frequently Asked Questions: Springfield, MA, Auto Insurance

#1 – What is the average cost for car insurance in Massachusetts?

The average car insurance rates Massachusetts is $1,201/year or $100/month. Find the best value on auto insurance in Springfield, MA by shopping around.

#2 – Who has the cheapest car insurance in Massachusetts?

Wondering where to get cheap car insurance in Springfield, MA, and which are the best car insurance companies in Massachusetts? Plymouth Rock insurance has the cheapest car insurance in Massachusetts, followed by Safety Insurance, Geico, N&D Group, and Quincy Insurance. For liability-only coverage, the cheapest company is Hanover Insurance (read our “Hanover Auto Insurance Review” for more information). Check out other companies, such as Western Mass Auto Insurance in Indian Orchard, MA. Try Progressive Insurance, The General Insurance, and Commence Insurance if you can’t find the coverage you need from cheaper companies.

#3 – Why is car insurance so expensive in Massachusetts?

Massachusetts struggles with lack of enforcement on illegal drivers, hit and runs, and insurance fraud, especially in Boston. Massachusetts insurance companies balance these events by charging higher auto insurance rates.

#4 – What is the minimum auto insurance in MA?

Massachusetts’ minimum requirements for auto insurance is $20,000 for bodily injury of one person per accident, $40,000 for bodily injury of multiple people per accident, and $5,000 for property damage.

#5 – What is the cheapest car insurance for seniors?

Allstate and Metromile offer the cheapest auto insurance for seniors. However, seniors who served in the military can save hundreds of dollars more under USAA.

#6 – What are the cheapest cars in Springfield, MA?

Buying cheap cars in Springfield, MA can mean cheap insurance. The cheapest vehicles in 2020 are the Kia Forte, Kia Soul, Chevrolet Sonic, Honda Fit, Kia Rio, Toyota Yaris, Hyundai Accent, and Nissan Versa.

#7 – How much is homeowners insurance in Springfield, MA?

The average cost of home insurance in Springfield, MA, is $1,379. Home and Springfield, MA auto insurance rates can be roughly the same price. Your cost can vary based on the company.

#8 – What is the crime rate in Springfield, MA?

According to Neighborhood Scout, you have a one in 101 chance of becoming a victim of violent crime in Springfield, MA and a one in 37 chance of becoming a victim of a property crime.