Buy Cheap Spencer, MA Auto Insurance (2022)

Spencer, MA auto insurance rates average $254 a month. Minimum auto insurance requirements in Spencer, Massachusetts are 20/40/5 to comply with Massachusetts laws. To buy cheap auto insurance in Spencer, MA, compare Spencer auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Spencer, MA are $254/month
  • The most expensive auto insurance company in Spencer after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Spencer is Liberty Mutual

Finding affordable Spencer, Massachusetts auto insurance can be challenging, but everything you need to know to buy cheap Spencer, MA auto insurance with confidence is right here. Auto insurance rates in Spencer are affected by local factors as well as personal ones like your driving record.

See how Spencer, MA car insurance rates compare to Springfield auto insurance rates, Quincy auto insurance rates, and Boston auto insurance rates before you read more about the cost of auto insurance in Spencer.

Don’t buy Spencer, MA auto insurance until you’ve compared rates. Get free Spencer, Massachusetts auto insurance quotes when you enter your ZIP code above.

Spencer, MA Minimum Auto Insurance Requirements

The required auto insurance in Spencer, MA is 20/40/5 according to the auto insurance laws in Massachusetts. The minimum auto insurance in Spencer, Massachusetts is outlined here.

Minimum Required Auto Insurance Coverage in Spencer, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Buy Cheap Spencer, MA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Spencer, Massachusetts auto insurance rates? Find out how car insurance rates in Spencer, MA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spencer, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,169 $2,169 $2,169 $2,169 $7,732 $7,732 $2,435 $2,435
GEICO $1,950 $1,950 $1,806 $1,806 $5,557 $5,557 $2,014 $2,014
Liberty Mutual $2,895 $2,895 $2,522 $2,522 $9,574 $9,574 $3,028 $3,028
Progressive $2,248 $2,248 $2,159 $2,159 $8,501 $8,501 $2,431 $2,431
State Farm $953 $953 $953 $953 $2,771 $2,771 $953 $953
Travelers $2,552 $2,552 $2,262 $2,262 $5,194 $5,194 $2,835 $2,835
USAA $1,443 $1,443 $1,422 $1,422 $3,379 $3,379 $1,594 $1,594

Buy Cheap Spencer, MA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Spencer can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spencer, MA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Spencer, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,732 $7,732
GEICO $5,557 $5,557
Liberty Mutual $9,574 $9,574
Progressive $8,501 $8,501
State Farm $2,771 $2,771
Travelers $5,194 $5,194
USAA $3,379 $3,379

Buy Cheap Spencer, MA Auto Insurance for Seniors

You can save on senior auto insurance rates in Spencer, Massachusetts by comparing Spencer senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spencer, MA here.

Annual Auto Insurance Rates for Senior Drivers in Spencer, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,169 $2,169
GEICO $1,806 $1,806
Liberty Mutual $2,522 $2,522
Progressive $2,159 $2,159
State Farm $953 $953
Travelers $2,262 $2,262
USAA $1,422 $1,422

Find Cheap Auto Insurance Rates in Spencer, MA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Spencer, Massachusetts auto insurance. Compare Spencer, MA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spencer, Massachusetts

Insurance Company Low Medium High
Allstate $3,357 $3,681 $3,840
GEICO $2,607 $2,884 $3,004
Liberty Mutual $4,211 $4,564 $4,739
Progressive $3,501 $3,911 $4,093
State Farm $1,276 $1,433 $1,515
Travelers $2,920 $3,275 $3,436
USAA $1,814 $1,993 $2,073

Find Cheap Spencer, MA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Spencer. Compare auto insurance rates in Spencer, MA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Spencer, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,511 $3,742
GEICO $2,779 $2,885
Liberty Mutual $4,327 $4,682
Progressive $3,835 $3,835
State Farm $1,375 $1,441
Travelers $3,060 $3,361
USAA $1,905 $2,014

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Spencer, MA Auto Insurance Rates by Driving Record

Auto insurance rates in Spencer, Massachusetts are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spencer, MA, take a look at the average cost for various violations versus rates for a clean driving record in Spencer.

Annual Spencer, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,810 $4,179 $4,707 $2,810
GEICO $2,268 $3,114 $3,554 $2,391
Liberty Mutual $3,552 $4,846 $5,828 $3,791
Progressive $3,222 $4,542 $3,601 $3,974
State Farm $1,117 $1,517 $1,803 $1,194
Travelers $2,511 $3,465 $3,683 $3,183
USAA $1,394 $1,812 $3,073 $1,559

Find Cheap Spencer, MA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Spencer, Massachusetts is higher than for a clean driving record. You can buy auto insurance after a DUI in Spencer for less when you shop around and compare rates from multiple Spencer, MA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Spencer, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,707
GEICO $3,554
Liberty Mutual $5,828
Progressive $3,601
State Farm $1,803
Travelers $3,683
USAA $3,073

Winners by Category: Where to Buy Cheap Auto Insurance in Spencer, MA

Compare rates from the cheapest auto insurance companies in Spencer, MA for your needs. Take a look at how Spencer, Massachusetts auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Spencer, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Find Cheap Spencer, Massachusetts Auto Insurance Companies

If you’re looking for the cheapest Spencer, MA auto insurance companies overall, you can compare them here. Find the best price for Spencer, Massachusetts car insurance by company.

Average Annual Auto Insurance Rates by Company in Spencer, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,626
GEICO $2,832
Liberty Mutual $4,505
Progressive $3,835
State Farm $1,408
Travelers $3,211
USAA $1,960

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What affects Spencer, Massachusetts auto insurance rates?

Local factors affect auto insurance rates in Spencer, MA, including traffic, theft statistics, and commute length. Take a look at the things that impact Spencer auto insurance rates.

Commute Times in Spencer

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spencer, MA is 30.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Spencer, MA

You can buy cheap Spencer, MA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spencer, Massachusetts auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption