Compare Worcester, MA Car Insurance Rates (2021)

Car insurance in Worcester, MA averages $325 a month. Worcester, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Worcester car insurance rates, compare quotes from the top car insurance companies in Worcester, MA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Worcester, MA are $3,902/year
  • Average car insurance rates in Worcester, MA after a DUI are $4,785/year
  • The cheapest car insurance company in Worcester is State Farm

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

You’ll find Worcester car insurance rates, the cheapest Worcester, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Worcester, Massachusetts car insurance rates to Lowell car insurance rates, Worcester car insurance rates, and Fall River car insurance rates.

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

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

How do age, gender, and marital status affect Worcester, MA car insurance rates? Every Worcester, 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 Worcester, 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 $2,965 $2,965 $2,965 $2,965 $8,519 $8,519 $3,324 $3,324
GEICO $2,746 $2,746 $2,539 $2,539 $6,706 $6,706 $2,837 $2,837
Liberty Mutual $3,917 $3,917 $3,412 $3,412 $10,476 $10,476 $4,100 $4,100
Progressive $3,095 $3,095 $2,962 $2,962 $11,814 $11,814 $3,351 $3,351
State Farm $1,291 $1,291 $1,291 $1,291 $3,246 $3,246 $1,291 $1,291
Travelers $3,215 $3,215 $2,829 $2,829 $6,621 $6,621 $3,577 $3,577
USAA $1,863 $1,863 $1,833 $1,833 $4,403 $4,403 $2,058 $2,058

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Minimum Car Insurance in Worcester, MA

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

Minimum Required Car Insurance Coverage in Worcester, 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 Worcester, 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 Worcester, MA to rates for a clean record with top companies.

Annual Worcester, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,410 $5,154 $5,801 $3,410
GEICO $2,949 $4,086 $4,669 $3,123
Liberty Mutual $4,286 $5,915 $7,097 $4,608
Progressive $4,441 $6,296 $4,980 $5,505
State Farm $1,404 $1,922 $2,283 $1,509
Travelers $3,155 $4,390 $4,670 $4,028
USAA $1,798 $2,344 $3,999 $2,015

Cheapest Worcester, MA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Worcester, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,519 $8,519
GEICO $6,706 $6,706
Liberty Mutual $10,476 $10,476
Progressive $11,814 $11,814
State Farm $3,246 $3,246
Travelers $6,621 $6,621
USAA $4,403 $4,403

Cheapest Worcester, MA Car Insurance for Seniors

Take a look at Worcester, 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 Worcester, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,965 $2,965
GEICO $2,539 $2,539
Liberty Mutual $3,412 $3,412
Progressive $2,962 $2,962
State Farm $1,291 $1,291
Travelers $2,829 $2,829
USAA $1,833 $1,833

Cheapest Worcester, MA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Worcester, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,801
GEICO $4,669
Liberty Mutual $7,097
Progressive $4,980
State Farm $2,283
Travelers $4,670
USAA $3,999

Cheapest Worcester, MA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Worcester, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,300 $4,587
GEICO $3,637 $3,777
Liberty Mutual $5,264 $5,689
Progressive $5,306 $5,306
State Farm $1,737 $1,822
Travelers $3,865 $4,256
USAA $2,468 $2,610

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Cheapest Worcester, MA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Worcester, Massachusetts

ZIP Code Average Annual Rates
1602 $3,902
1603 $3,902
1604 $3,902
1605 $3,902
1606 $3,902
1607 $3,902
1608 $3,902
1609 $3,902
1610 $3,902
1655 $3,902

The Best Cheap Car Insurance Companies in Worcester, MA

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

Average Annual Car Insurance Rates by Company in Worcester, Massachusetts

Insurance Company Average Annual Rates
Allstate $4,443
GEICO $3,707
Liberty Mutual $5,476
Progressive $5,306
State Farm $1,780
Travelers $4,061
USAA $2,539

Category Winners: Cheapest Car Insurance in Worcester, Massachusetts

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

Best Annual Car Insurance Rates by Company in Worcester, 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 Worcester, MA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Worcester, Massachusetts

Insurance Company Low Medium High
Allstate $4,114 $4,511 $4,705
GEICO $3,431 $3,768 $3,922
Liberty Mutual $5,100 $5,550 $5,780
Progressive $4,871 $5,396 $5,650
State Farm $1,612 $1,811 $1,917
Travelers $3,693 $4,143 $4,345
USAA $2,345 $2,581 $2,691

What affects car insurance rates in Worcester, Massachusetts?

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

Commute Time in Worcester

The more time you spend in your car the higher the risk of an accident. The average commute length in Worcester, MA is 24.8 minutes according to City-Data.

Traffic in Worcester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Worcester, MA traffic data from INRIX ranks Worcester as the 420th-most congested in the world.

Compare Car Insurance Quotes in Worcester, MA

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

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