The average cost of car insurance in Springfield, Massachusetts, is $1,710 per year for a full coverage policy, slightly lower than the national average of $1,771 per year. However, minimum coverage in Springfield is $675 per year, higher than the national average of $545 per year. Bankrate conducted an extensive study to bring you the best cheap car insurance companies in Springfield, according to our research, and those companies are State Farm, Plymouth Rock and Safety.

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Best cheap car insurance companies in Springfield

According to data provided by Quadrant Information Services, State Farm, Plymouth Rock and Safety have the cheapest rates for both full coverage and minimum coverage policies in Springfield, Massachusetts.

We know that rates aren’t the only factor when comparing quotes for the best car insurance in Springfield, so in addition to our premium analysis, we issued each company a Bankrate Score. Our Bankrate Scores range from zero to five (with five being the highest score possible) and consider important metrics like customer satisfaction and complaints, mobile accessibility and a company’s financial strength. Our premium data, coupled with Bankrate Scores, can be a powerful financial tool to provide a holistic view of a car insurance company.

Insurance company Bankrate Score J.D. Power score* Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 838/1,000 $903 $373
Plymouth Rock 3.6 834/1,000 $1,139 $391
Safety 4 809/1,000 $1,226 $512
The Norfolk & Dedham Group 4.6 Not rated $1,510 $632
Geico 4.7 837/1,000 $1,609 $842

*J.D. Power score is from the 2022 New England study

State Farm

As the largest auto insurer in the country by market share, it may be no surprise that State Farm also has the cheapest car insurance in Massachusetts for both full and minimum coverage policies. If you have a teen driver in your household, State Farm may be an excellent option, as it offers many savings opportunities for younger drivers, namely its Steer Clear and good student discounts. However, it is important to note that State Farm has a higher-than-average rate of customer complaints per the National Complaint Index Report (NAIC). As such, you may want to talk to friends or family currently insured with this company to discuss what you may expect regarding customer service.

Learn more: State Farm Insurance review

Plymouth Rock

Plymouth Rock is a smaller insurance company that currently writes policies in six states, including Massachusetts. This regional company offers some of the best rates in Springfield and fewer customer complaints, on average, according to the NAIC. Plymouth Rock also offers discounts on tickets for the Boston Red Rox, Bruins and New England Patriots for a small annual fee. However, Plymouth Rock falls short regarding digital policy options (which partly accounts for its lower Bankrate Score), which is worth considering if you prefer doing business via a mobile app.

Learn more: Plymouth Rock Insurance review


If you want an auto insurance policy with plenty of endorsement options, Safety may be worth considering. Through its expanded Safety Shield Plus program, you may add accident forgiveness, personal effects coverage, pet coverage, seat belt coverage and bail bond coverage to your auto policy. With an average cost of $1,226 per year, Safety’s rate for a full coverage policy is 39 percent lower than the state average. However, in J.D. Power’s customer satisfaction study, Safety scored the lowest out of all the best, cheapest car insurance companies. While shopping, reading online customer reviews may be worth your time.

Learn more: Safety Insurance review

The Norfolk & Dedham Group

The Norfolk & Dedham Group may be a small, regional carrier. Still, it is one of the best insurance companies in Springfield due to its lower-than-average rates and personalized coverage options like airbag restoration and repair, pet injury, and gap insurance. It is worth noting that J.D. Power did not include Norfolk & Dedham Group in its customer satisfaction study, but the company only has one complaint, according to the NAIC. However, this could be due to a small sample size, so it may be helpful to do further research on this company before switching. Additionally, Norfolk & Dedham’s mobile app rating is quite low, which may be worth considering if tech features are important to you.


With its affordable rates and high customer satisfaction, Geico rounds out our list of the best car insurance companies in Springfield. While it is the most expensive company of those we reviewed, Geico’s rates are still below the city and national average. What makes Geico stand out from the rest, perhaps, are its online tools. With its popular mobile app and customer-friendly website, Geico may be the best car insurance company for those who prefer to review their policy online. Unlike some of the smaller carriers in Massachusetts, Geico also writes auto insurance in all 50 states and Washington, D.C., which could be worth considering for drivers who may move in the future.

Learn more: Geico Insurance review

How to get and keep the cheapest car insurance in Springfield

When shopping for the cheapest car insurance, Springfield drivers should consider keeping the following strategies in mind:

  • Shop around with multiple carriers. The rates from one insurance provider to another can be surprisingly different. Shopping around enables you to compare available coverage options and reveals which carrier offers the lowest rates for your driver profile.
  • Remain claims-free. One of the best ways to maintain lower premiums is to remain claims and accident-free. Not only do drivers with safe driving habits tend to get the cheapest rates from a carrier, but there is also the potential to earn additional safe driving discounts.

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