Compare Springfield, MA Car Insurance Rates (2021)

The cheapest Springfield, MA car insurance is offered by State Farm, but rates will vary by driver. Auto insurance in Springfield must meet the state minimum requirements of 20/40/5 in liability coverage, 20/40 in uninsured/underinsured coverage, and $8,000 in no-fault personal injury coverage. Compare Springfield, MA auto insurance rates online to find your best deal.

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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: Aug 27, 2021

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Here's what you need to know...

  • State Farm offers the cheapest average car insurance rates in Springfield, MA
  • Springfield car insurance rates are higher than the national average
  • Massachusetts is a no-fault state, meaning your car insurance pays for damages no matter who caused the accident

Springfield, MA car insurance is more expensive than the national average. This isn’t surprising since average Massachusetts car insurance rates are higher than average in general.

You can still find affordable Springfield, MA car insurance if you know where to look. Shop around and compare rates from multiple companies to find the cheap car insurance that meets your needs.

Monthly Springfield, MA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Springfield, Massachusetts auto insurance rates by ZIP Code below:

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Springfield, MA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Springfield, MA stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Springfield, MA car insurance quotes for free today.

What is the cheapest car insurance company in Springfield, MA?

The cheapest car insurance in Springfield is from State Farm, although rates will vary by driver.

Which Springfield, MA car insurance company has the best rates? And how do those rates compare against the average Massachusetts car insurance company rates? We’ve got the answers below.

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The top Springfield, MA car insurance companies listed from least to most expensive are:

  • State Farm – $1,800.81
  • USAA – $2,828.84
  • GEICO – $3,865.31
  • Travelers – $4,335.55
  • Allstate – $4,423.04
  • Progressive – $5,333.03
  • Liberty Mutual – $5,603.76

There are many factors that used to determine your car insurance rates. Your age, driving record, and ZIP code can all affect your rates.

Even the icy Springfield, MA weather can make insurance companies charge you more. Whether it’s Springfield or nearby Worcester car insurance, accidents caused by rain, snow, and ice on the roads can allow car insurance companies to increase rates.

It’s important to note that Massachusetts is one of the few states that does not allow gender and credit history to be used to calculate your auto insurance rates.

Springfield, MA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Springfield car insurance rates. Find the cheapest Springfield, MA car insurance rates by coverage level below:

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Your driving record will play a major role in your Springfield car insurance rates. For example, other factors aside, a Springfield, MA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Springfield, MA car insurance rates by driving record.

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Factors affecting car insurance rates in Springfield, MA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Springfield, Massachusetts car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. MA does not use gender, so check out the average monthly car insurance rates by age in Springfield, MA.

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What car insurance coverage is required in Springfield, MA?

Like most states, Massachusetts requires that drivers carry at least a minimum amount of car insurance. Drivers in Springfield must carry:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $8,000 in no-fault personal injury coverage
  • $20,000 per person and $40,000 per incident for uninsured/underinsured motorist coverage

Massachusetts is a no-fault state. This means that your car insurance company pays for damages no matter who caused the accident.

These minimum requirements are very low and will be exhausted quickly in a serious accident. Consider upping these limits and adding additional coverages like collision and comprehensive so that you are fully insured.

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What affects car insurance rates in Springfield, MA?

Traffic can impact your car insurance rates because more cars on the road equal a greater chance of being in an accident.

INRIX ranks Springfield, MA as the 190th most congested city in the U.S. Not having to sit in traffic for long periods of time is good news for area drivers.

City-Data reports that most drivers in Springfield commute about 25 minutes.

Auto theft can also raise your rates. According to the FBI, there were 509 motor vehicle thefts in Springfield in one year.

Springfield, MA Car Insurance: The Bottom Line

Springfield auto insurance is more expensive than the state and national averages. Before you buy Springfield, MA car insurance, compare quotes to see which company can offer you the best deal.

Enter your ZIP code to compare Springfield, MA car insurance rates from multiple companies near you for free.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Springfield, MA Car Insurance Rates by ZIP Code
Springfield, MA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Springfield, MA Car Insurance Rates by Company vs. City Average
Springfield, MA Car Insurance Rates by Company and Age
The Cheapest Springfield, MA Car Insurance Rates by Coverage Level
The Cheapest Springfield, MA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Springfield, MA
Average Monthly Car Insurance Rates by Age & Gender in Springfield, MA
Monthly Springfield, MA Car Insurance Rates by ZIP Code
Springfield, MA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Springfield, MA Car Insurance Rates by Company vs. City Average
Springfield, MA Car Insurance Rates by Company and Age
The Cheapest Springfield, MA Car Insurance Rates by Coverage Level
The Cheapest Springfield, MA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Springfield, MA
Average Monthly Car Insurance Rates by Age & Gender in Springfield, MA