Buy Cheap Worcester, MA Auto Insurance
The cheapest Worcester, MA auto insurance is from State Farm, but rates vary by driver. Auto insurance in Worcester must meet the Massachusetts minimum requirements of 20/40/5 in liability, $8,000 in PIP, and 20/40 in uninsured/underinsured motorist coverages. Compare Worcester, MA auto insurance quotes online to find your cheapest rates.
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UPDATED: May 17, 2021
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- State Farm offers the cheapest Worcester, MA auto insurance
- Worcester auto insurance is more expensive than average
- Drivers in Worcester don’t have long commute times
Worcester, MA auto insurance is more expensive than the state and national averages. This is surprising since, in general, Massachusetts auto insurance is cheaper than the national average.
The good news is that you can still find affordable Worcester, MA auto insurance. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.
Enter your ZIP code now to compare Worcester, MA auto insurance quotes from multiple companies near you for free.
What is the cheapest auto insurance company in Worcester, MA?
The cheapest Worcester, MA auto insurance company is State Farm, but rates will be different for each driver.
The top Worcester, MA auto insurance companies listed from least to most expensive are:
- State Farm – $1,779.66
- USAA – $2,539.22
- GEICO – $3,707.03
- Travelers – $4,060.64
- Allstate – $4,443.46
- Progressive – $5,305.63
- Liberty Mutual – $5,476.30
Your car insurance rates are affected by many different factors, such as your age, driving record, and where you live.
Young drivers with accidents, tickets, DUIs, or that live in a high-crime city will pay much higher rates than an older driver with a clean driving record that lives in a low-crime area.
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What auto insurance coverage is required in Worcester, MA?
Massachusetts requires that all drivers meet at least the minimum required auto insurance coverages.
Drivers in Worcester, MA must carry at least these coverages:
- $20,000 per person and $40,000 per incident for bodily injury liability
- $5,000 per incident for property damage
- $8,000 in personal injury protection (PIP) coverage
- $20,000 per person and $40,000 per incident for uninsured/underinsured motorist coverage
As you can see, this isn’t much coverage, especially in the event of a major accident. Consider raising the limits and adding extra coverages to cover any vehicle damage as well as bodily injury.
What affects auto insurance rates in Worcester, MA?
Traffic can impact your auto insurance rates since you have a higher risk of being in an accident if there is a high volume of traffic.
INRIX ranks Worcester, MA as the 132nd-most congested city in the U.S.
Also, City-Data reports that most Worcester drivers commute around 20 minutes. However, a significant number commute an hour or more.
Theft can also raise your rates. According to the FBI, there were 397 motor vehicle thefts in one year in Worcester, MA.
Worcester, MA Auto Insurance: The Bottom Line
Although Worcester car insurance is more expensive than average, you can still find a good deal. Before you buy Worcester, MA auto insurance, shop around and compare rates from many different companies. Each company will offer you a different rate, so comparison shopping is a must.
Enter your ZIP code now to compare Worcester, MA auto insurance rates from various companies near you today.