Compare Worcester, MA Car Insurance Rates (2021)

The cheapest Worcester, MA car insurance company is State Farm. Rates average $148 per month or $1,779 per year; however, costs vary by person. Massachusetts residents must carry the state legal limits of 20/40/5 in liability coverage, as well as Personal Injury Protection (PIP) and uninsured motorist coverage. Compare Worcester, MA car insurance rates online to find your best possible prices.

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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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UPDATED: Mar 23, 2021

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Here's What You Need to Know

  • State Farm sells the cheapest average Worcester, MA car insurance rates.
  • Traffic congestion and vehicle theft statistics influence your Worcester car insurance costs.
  • Worcester auto insurance costs are average for the state of Massachusetts.

State Farm sells the cheapest Worcester, Massachusetts car insurance policies, averaging $148 per month or $1,779 annually.

Below, compare the average Worcester, MA car insurance rates from the top providers in your city. Our guide will help you secure cheap car insurance, regardless of your age, driving experience, and coverage needs.

When you’re ready, enter your ZIP code into our free quote tool above to immediately compare Worcester, MA auto insurance rates from multiple companies.

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

Who are the best Massachusetts car insurance companies? State Farm is the cheapest Worcester, MA car insurance company. Rates average $148 per month or $1,779 annually.

Check out a list of the leading providers in Worcester from least to most expensive below:

  • 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 rates from these providers will vary depending on your coverage needs, your driving record, and your age.

Fortunately, Worcester rates aren’t the most expensive in the state. For example, your insurance costs less on average than Boston car insurance premiums.

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What car insurance coverage is required in Worcester, MA?

Worcester residents must carry the Massachusetts minimum car insurance requirements to drive on the roads legally.

Currently, you must carry the following limits in Massachusetts:

  • $20,000 per person and $40,000 per accident in bodily injury liability coverage.
  • $5,000 per incident in property damage liability coverage.
  • $8,000 in no-fault Personal Injury Protection (PIP).
  • $20,000 per person and $40,000 per accident in uninsured motorist coverage.

Massachusetts is a no-fault state. There are limits to when you can sue another driver for medical expenses or losses related to a car accident. Therefore, the state mandates PIP insurance.

What is the penalty for driving without car insurance in Massachusetts? You face license suspensions, fines of up to $5,000, and even jail time.

What affects car insurance rates in Worcester, MA?

Companies can not calculate car insurance rates by gender in Massachusetts. However, providers will use car theft statistics and traffic congestion levels when calculating your Worcester premiums.

Data from INRIX ranks Worcester as the 83rd most congested city in the country. However, according to City-Data, the average commute length for Worcester drivers is 24.3 minutes, less than the national average of 26 minutes.

Vehicle theft rates in Worcester have steadily declined over the years. The Federal Bureau of Investigation (FBI) recorded 397 car thefts in 2017. That’s a rate of 214.5 theft per 100,000 residents.

Currently, the city experiences fewer auto thefts than the state average.

Worcester, MA Car Insurance: The Bottom Line

Despite mild traffic congestion, Worcester car insurance rates are low, thanks to declining vehicle theft rates.

By comparing Worcester, MA car insurance quotes online and shopping around, you can easily secure your cheapest rates.

Enter your ZIP code into our free quote tool below to immediately compare quotes and buy Worcester, MA car insurance.

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Average Monthly Car Insurance Rates by State