How much does car insurance cost in Worcester, MA? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Massachusetts has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Worcester typically pay around $123.89 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Massachusetts | $115.53 |
Worcester, Massachusetts | $123.89 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Worcester coming in around $73.18 per month. Other companies to consider if you live in Worcester is USAA with an average cost of $128.36 per month and Preferred Mutual which typically runs around $135.22 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Worcester.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | State Farm | $73.18 | -36.66% |
2 | USAA | $128.36 | 11.10% |
3 | Preferred Mutual | $135.22 | 17.04% |
4 | Safety Group | $137.70 | 19.19% |
5 | Pure Companies Grp | $138.81 | 20.15% |
6 | Norfolk and Dedham Group | $150.17 | 29.98% |
7 | ACE American Pool | $171.93 | 48.81% |
8 | Arbella Insurance Group | $182.30 | 57.79% |
9 | Metropolitan | $182.67 | 58.11% |
10 | Quincy Mutual | $186.73 | 61.63% |
Rates can vary from city to city. The residents of Andover typically pay $77.67 per month while people who live in Boston will pay $134.73 per month on average. See what people pay for car insurance in other cities in Massachusetts.
Massachusetts Cities | Monthly Average Rate |
---|---|
Andover | $77.67 |
Boston | $134.73 |
Brockton | $158.34 |
Cambridge | $106.92 |
Chicopee | $91.65 |
Fall River | $127.45 |
Framingham | $97.47 |
Haverhill | $97.26 |
Lawrence | $132.77 |
Lowell | $108.50 |
Lynn | $140.45 |
New Bedford | $131.14 |
Springfield | $119.21 |
Woburn | $101.19 |
Worcester | $123.89 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Massachusetts. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Worcester, MA ZIP Code | Average Monthly Rate |
---|---|
01610 | $123.95 |
01602 | $110.63 |
01603 | $117.39 |
01609 | $140.66 |
01605 | $111.26 |
01606 | $107.47 |
01604 | $138.59 |
01607 | $103.15 |
01608 | $147.17 |
01527 | $47.80 |
01601 | $52.17 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $116.09 per month in Worcester. Compare that to drivers in their 30’s who typically pay around $125.38 per month drivers in their 40s at $90.61 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
30s | $116.09 |
40s | $104.51 |
50s | $125.38 |
70+ | $90.61 |
16-19 | $365.40 |
20s | $140.48 |
60s | $92.49 |
If you are teen in Worcester you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $136.28 per month. This is likely the most affordable option in Worcester. You might also want to consider USAA and Preferred Mutual who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
State Farm | $136.28 |
USAA | $207.73 |
Preferred Mutual | $282.09 |
Safety Group | $300.99 |
Metropolitan | $306.85 |
20 year-olds in Worcester might want to consider State Farm who, on average, offers car insurance rates around $79.17 per month. Encompass , USAA , Pure Companies Grp and Preferred Mutual are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
State Farm | $79.17 |
Encompass | $128.50 |
USAA | $142.73 |
Pure Companies Grp | $149.08 |
Preferred Mutual | $150.40 |
If you are in your 30s in Worcester our research has found that State Farm typically has the most affordable coverage coming in around $70.93 per month, followed by Pure Companies Grp at $97.25 and USAA at $116.06.
Company | Average Monthly Rate |
---|---|
State Farm | $70.93 |
Pure Companies Grp | $97.25 |
USAA | $116.06 |
Safety Group | $126.86 |
Preferred Mutual | $128.55 |
On average, State Farm offers car insurance for 40 year-olds in Worcester for around $66.87 per month. If you are looking for affordable coverage, you may also want to consider USAA or Safety Group. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
State Farm | $66.87 |
USAA | $119.11 |
Safety Group | $120.75 |
Norfolk and Dedham Group | $124.13 |
Preferred Mutual | $126.81 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Worcester we found that State Farm generally offers the most affordable coverage at $74.37 per month.
Company | Average Monthly Rate |
---|---|
State Farm | $74.37 |
Pure Companies Grp | $80.00 |
Safety Group | $126.83 |
Norfolk and Dedham Group | $127.28 |
Preferred Mutual | $129.10 |
If you live in Worcester and you’re in your 60s, our data indicates that State Farm usually has the best rates at $62.57 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
State Farm | $62.57 |
Safety Group | $94.56 |
Preferred Mutual | $110.06 |
USAA | $112.65 |
Norfolk and Dedham Group | $113.05 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Worcester, the average monthly rate for a driver who is currently insured is $113.14 while drivers who are not currently covered will pay around $131.23.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $131.23 |
Not Currently Insured | $113.14 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Worcester a driver of a 2018 Nissan Altima can expect to pay around $93.82 per month while someone that owns a 2020 Toyota Rav4 may pay around $115.48 per month. Check out the list of recent quotes in Worcester below.
Vehicle | Average Monthly Rate |
---|---|
2018 Nissan Altima | $93.82 |
2020 Toyota Rav4 | $115.48 |
2021 Honda Accord | $115.72 |
2000 Toyota Rav4 | $57.88 |
2016 Bmw 528 | $147.68 |
2010 Mazda 3 | $87.07 |
2012 Hyundai Sonata | $101.80 |
2017 Ford Fusion | $110.88 |
2017 Cadillac XT5 | $91.05 |
2008 Pontiac G6 | $115.05 |
What Is the Minimum Liability Coverage Requirement in Worcester, MA?
Every state requires drivers to have a minimum amount of liability coverage. Massachusetts drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
Car insurance is a must in Massachusetts, and the state sets a number of mandatory coverage types and minimum limits. All drivers must carry $20,000 bodily injury coverage per person and $40,000 per accident. In addition, motorist need $8,000 personal injury protection (PIP) coverage per person, per accident, as well as $5,000 property damage liability coverage per accident. Beyond this, residents are also obligated to buy uninsured motorist coverage in the amounts of $20,000 per person and $40,000 per accident.
What Is the Blood Alcohol Concentration (BAC) limit in Worcester, MA?
It’s against the law for individuals to operate a vehicle in Massachusetts with the following BAC percentages:
Operating under the influence (OUI) laws in Massachusetts are aggressively enforced, as alcohol- and drug-related accidents have been a major problem in the state.
What are the consequences of being convicted of a DUI?
Again, driving under the influence has been a big problem in Massachusetts, so the consequences are steep. The specifics of each situation affect the penalties. However, generally speaking, first-time OUI offenders have their license suspended for 1 year, face administrative and criminal fines of up to nearly $7,000, may be sentenced to as much as 2.5 years in jail, and may be compelled to complete a drug and alcohol education or treatment program.
Check Out Other Rates in Worcester, MA Nearby Cities:
Commute Time in Worcester, MA
24 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Worcester, MA
293 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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