Compare Springfield, MA Car Insurance Rates (2021)

Car insurance in Springfield, MA averages $336 a month. Springfield, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Springfield car insurance rates, compare quotes from the top car insurance companies in Springfield, MA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Springfield is State Farm
  • Average car insurance rates in Springfield, MA after a DUI are $4,963/year
  • Average car insurance rates in Springfield, MA are $4,027/year

If you need to buy Springfield, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Springfield, MA is right here.

You’ll find Springfield car insurance rates, the cheapest Springfield, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Springfield, Massachusetts car insurance rates to Brockton car insurance rates, Cambridge car insurance rates, and New Bedford car insurance rates.

Ready to find affordable Springfield, MA car insurance today? Enter your ZIP code for fast, free Springfield car insurance quotes.

Cheapest Springfield, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Springfield, MA car insurance rates? Every Springfield, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Springfield, 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 $3,121 $3,121 $3,121 $3,121 $7,963 $7,963 $3,487 $3,487
GEICO $2,979 $2,979 $2,809 $2,809 $6,607 $6,607 $3,067 $3,067
Liberty Mutual $4,236 $4,236 $3,687 $3,687 $10,060 $10,060 $4,432 $4,432
Progressive $3,142 $3,142 $3,021 $3,021 $11,803 $11,803 $3,367 $3,367
State Farm $1,362 $1,362 $1,362 $1,362 $3,116 $3,116 $1,362 $1,362
Travelers $3,467 $3,467 $3,047 $3,047 $7,023 $7,023 $3,806 $3,806
USAA $2,074 $2,074 $2,040 $2,040 $4,912 $4,912 $2,290 $2,290

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Minimum Car Insurance in Springfield, MA

Every driver must carry the minimum car insurance in Springfield, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car Insurance Coverage in Springfield, 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

Cheapest Springfield, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Springfield, MA to rates for a clean record with top companies.

Annual Springfield, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,377 $5,163 $5,774 $3,377
GEICO $3,058 $4,273 $4,884 $3,247
Liberty Mutual $4,375 $6,065 $7,256 $4,719
Progressive $4,459 $6,336 $5,007 $5,530
State Farm $1,416 $1,949 $2,312 $1,526
Travelers $3,353 $4,660 $5,048 $4,281
USAA $2,000 $2,610 $4,462 $2,243

Cheapest Springfield, MA Car Insurance for Teen Drivers

Teen car insurance in Springfield, MA can be expensive. Take a look at rates from the top car insurance companies in Springfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Springfield, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,963 $7,963
GEICO $6,607 $6,607
Liberty Mutual $10,060 $10,060
Progressive $11,803 $11,803
State Farm $3,116 $3,116
Travelers $7,023 $7,023
USAA $4,912 $4,912

Cheapest Springfield, MA Car Insurance for Seniors

Take a look at Springfield, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Springfield, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,121 $3,121
GEICO $2,809 $2,809
Liberty Mutual $3,687 $3,687
Progressive $3,021 $3,021
State Farm $1,362 $1,362
Travelers $3,047 $3,047
USAA $2,040 $2,040

Cheapest Springfield, MA Car Insurance Rates After a DUI

A DUI in Springfield, MA increases car insurance rates. Compare Springfield, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Springfield, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,774
GEICO $4,884
Liberty Mutual $7,256
Progressive $5,007
State Farm $2,312
Travelers $5,048
USAA $4,462

Cheapest Springfield, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Springfield, MA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Springfield, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,273 $4,573
GEICO $3,787 $3,944
Liberty Mutual $5,387 $5,821
Progressive $5,333 $5,333
State Farm $1,758 $1,844
Travelers $4,117 $4,554
USAA $2,749 $2,908

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Cheapest Springfield, MA Car Insurance Rates by ZIP Code

Springfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Springfield, MA.

Annual Car Insurance Rates by ZIP Code in Springfield, Massachusetts

ZIP Code Average Annual Rates
1103 $4,040
1104 $4,040
1105 $4,040
1107 $4,040
1108 $4,040
1109 $3,883
1118 $4,040
1119 $4,040
1128 $4,040
1129 $4,040
1144 $4,040
1152 $4,040

The Best Cheap Car Insurance Companies in Springfield, MA

Take a look at a side-by-side comparison of the top car insurance companies in Springfield, MA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Springfield, Massachusetts

Insurance Company Average Annual Rates
Allstate $4,423
GEICO $3,865
Liberty Mutual $5,604
Progressive $5,333
State Farm $1,801
Travelers $4,336
USAA $2,829

Category Winners: Cheapest Car Insurance in Springfield, Massachusetts

Find the cheapest car insurance companies in Springfield, MA for each category right here.

Best Annual Car Insurance Rates by Company in Springfield, 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

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Cheapest Springfield, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Springfield car insurance rates. Find the cheapest Springfield, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Springfield, Massachusetts

Insurance Company Low Medium High
Allstate $4,040 $4,486 $4,742
GEICO $3,563 $3,923 $4,110
Liberty Mutual $5,199 $5,677 $5,935
Progressive $4,830 $5,417 $5,752
State Farm $1,625 $1,830 $1,947
Travelers $3,899 $4,414 $4,694
USAA $2,608 $2,871 $3,008

What affects car insurance rates in Springfield, Massachusetts?

What factors can have an impact on Springfield, MA car insurance? There are several reasons why Springfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Springfield, Massachusetts.

Commute Time in Springfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Springfield, MA is 21.5 minutes according to City-Data.

Traffic in Springfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Springfield, MA traffic data from INRIX ranks Springfield as the 830th-most congested in the world.

Compare Car Insurance Quotes in Springfield, MA

Ready to find affordable Springfield, Massachusetts car insurance today? Enter your ZIP code for fast, free Springfield, MA car insurance quotes.

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