Best cheap car insurance in Springfield, Massachusetts for 2022

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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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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RATE INCREASE ALERT

Rates increased up to 12% this year.

Costs will continue to rise through 2022. Shop for a better rate before you renew your current policy.

Advertising Disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

Are you insuring multiple vehicles?

Yes No

Are you currently insured?

Yes No

Are you a homeowner?

Yes No

Age

Please select age

Zip code

Save on auto insurance with quotes from trusted providers like:

Drivers switch & save an average of $750+/year

Next

Are you overpaying for auto insurance?

Next

Safe drivers choose Allstate®

Next

Powered by Coverage.com (NPN: 19966249)

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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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.

*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

Safety

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.

Geico

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.

Frequently asked questions

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    What is the best car insurance company?

    Since drivers have individual wants and needs, the best car insurance company in Springfield, Massachusetts, will be different for everyone. When shopping for new car insurance, requesting apples-to-apples quotes or similar coverage options from as many insurance companies may be worth the time. Afterward, you can narrow down your search based on premium and other factors that may be important to you.

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    Is car insurance in Massachusetts expensive?

    Although expensive is a relative term, car insurance in Massachusetts is below the national average. The average cost of car insurance in the U.S. is $1,771 per year, but Massachusetts’ average full coverage rate is much lower at $1,296. For minimum coverage, the national average is $545 annually; in Massachusetts, this rate is $446 per year. However, depending on your rating factors, you could be paying more or less than average. Many insurance professionals agree that shopping around at your renewal or during significant life events may be a good idea to ensure you get the most competitive rate.

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    Why are car insurance rates in Springfield so high?

    Springfield, Massachusetts, may have higher-than-average car insurance rates than the rest of the state due to its population density and location. Springfield is home to more than 150,000 people. The more people in an area, the increased risk of car accidents. Car insurance companies use statistics to calculate rates, and if the statistics show a higher likelihood of a car accident, then this is reflected in the rates offered.

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  Methodology

  Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

  To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

  These are sample rates and should only be used for comparative purposes.

  Bankrate Scores

  Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to an analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

  To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

  While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.