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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 9, 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.

Monthly Worcester, 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 Worcester, Massachusetts auto insurance rates by ZIP Code below:

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

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

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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.

Which Worcester, 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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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.

Worcester, 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 Worcester car insurance rates. Find the cheapest Worcester, MA car insurance rates by coverage level below:

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

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

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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.

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

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