A typical day in Worcester, Massachusetts, sees 43,770 vehicles on the region’s roads, according to the Massachusetts Department of Transportation. With so many drivers on the road, the possibility of an accident emphasizes the importance of having financial protection in place. The average cost of car insurance in Worcester is $666 a year for the state’s minimum coverage and $1,575 a year for full coverage, which includes collision and comprehensive coverages.
Finding the best car insurance in Worcester may involve considering which providers offer the lowest costs. To help in our search for the best cheap car insurance, Bankrate partnered with Quadrant Information Services to look at average costs based on quoted annual premiums, as well as customer service reputation, breadth of coverage options and discounts.
Best car insurance companies in Worcester
The best car insurance companies included in Bankrate’s review were Allstate, Amica, Plymouth Rock, The Hanover and Vermont Mutual. Each of the cheapest car insurance companies in Worcester reviewed had average rates for minimum coverage that were below the city’s average, based on quoted annual premiums. These providers were also compared on the basis of the 2020 J.D. Power New England Auto Insurance Satisfaction Study, which assesses the quality of customer service. Finally, we looked for companies that offer a broad range of coverage options and multiple discounts to help drivers lower rates even more.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
Amica offers low rates to Massachusetts drivers, but its real point of distinction is excellent customer service: it lands in first place in the J.D. Power study for the New England region, meaning drivers are likely to receive prompt, efficient service when talking to a representative or filing a claim.
While Amica lacks some of the extra coverage options of some other large insurers, it has nearly 20 discount possibilities, including up to 30% in savings when you combine auto with home, condo or other policies. These options can help to keep your rates at a reasonable level or reduce premiums overall.
Plymouth Rock is one of the smaller insurance companies in Worcester, but as a regional insurer, its agents have particular knowledge of the needs of Worcester drivers. For drivers who prefer customized coverage specific to local hazards and risks, this can be a huge asset.
Plymouth Rock has all the basic liability coverages you need to meet Massachusetts minimums, along with optional coverages for medical payments, collision and comprehensive, replacement cost, rental car and towing and labor. The company’s perks include pet coverage and child car seat replacement if yours is damaged in a crash.
The fourth largest insurer in the U.S., Allstate is able to offer a broad range of coverages that allow you to customize your policy to suit your own situation. It does not score as high as our other choices in the regional J.D. Power study, but does have an A+ (Superior) rating from AM best, which reflects exceptional financial strength ratings.
Allstate has also developed one of the best websites in the industry, making it easy for policyholders to manage their policies online, and through the company’s mobile app. Other extras include extended vehicle care, a car buying service and a bonus every six months that you are accident-free.
The Hanover is a regional insurer that sells policies in 27 states, including Massachusetts. Its signature policy is called The Hanover Platinum Experience, which is a home/auto combined policy. It makes life simple by giving you a single premium to pay, plus a wide range of protection options such as child car seat replacement and $1,500 in custom equipment coverage for your vehicle.
The Hanover’s “Smart Savings” program offers discounts and credits such as a good student discount and paid-in-full discount. A deductible dividend on collision coverage could save you up to $500 off your deductible over the course of five years, according to the insurer. The Hanover’s website does not offer an online quote tool, but you can file and manage claims online with little difficulty.
Vermont Mutual is another regional insurer that sells policies throughout New England. Chartered in 1828, the company has several centuries of experience, with local agents for policyholders to work with in the Worcester area.
Having local agents might be essential, as online policy management is limited compared to others in the industry. You can file a claim through the website but not pay your bill, and there is very little information available online regarding coverage options or discounts. That being said, for drivers who prefer local agent interactions and competitive rates, Vermont Mutual may be an ideal fit.
Cheapest car insurance in Worcester
Although Worcester’s average annual premiums are $666 a year for minimum coverage and $1,575 a year for full coverage, your own rates may be more or less depending on a variety of personal factors. These variables include your car’s model and age, as well as your own age, marital status, and driving history, as well as specific ZIP code. Worcester rates are a little higher than the Massachusetts state average, which is $1,223 annually for full coverage, but it is still cheaper than the national average of $1,674 a year.
The following table highlights the cheapest car insurance in Worcester from insurers in the area, based on quoted annual premiums. While rates are the primary focus in the chart below, these are the same providers who score highly for customer service, financial strength ratings, and coverage and discount options.
The premiums below reflect 12 months of coverage, but depending on the provider, you may have the option to select a six month premium instead.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Worcester insurance requirements
Like most states in the U.S., Massachusetts requires drivers to carry a specific minimum amount of auto insurance to legally operate a vehicle on the road. In Worcester, your policy will need at least the following in order to satisfy minimum requirements:
- $20,000 bodily injury coverage per person in a single accident
- $40,000 bodily injury for all injuries in a single accident
- $5,000 property damage liability
- $20,000 uninsured motorist bodily injury per person in a single accident
- $40,000 uninsured motorist bodily injury for all injuries in a single accident
- $8,000 personal injury protection (PIP)
In addition, Worcester drivers may want to purchase collision and comprehensive insurance, which protects your own vehicle. If you are leasing your car or have a car loan, you may be required by the lender to carry it.
Note that the minimum coverages may not protect you if you are in a serious accident. Consider, for example, that the cost of a new car can range between $20,000 and $55,000. If you were to total a new car, the minimum $5,000 in property damage liability would not go very far towards the replacement cost of the other driver’s vehicle.
Car insurance discounts in Worcester
Although Massachusetts is one of the cheaper states in the nation for car insurance based on quoted annual premiums, you can also consider discounts to help bring your rate down even further. Almost all insurers offer at least a few discounts, and many are easy to qualify for. Here are some that Worcester drivers can likely benefit from:
- Bundling: perhaps the most common discount, bundling is when you purchase your auto and homeowners (or renters) insurance from the same company, resulting in savings on both policies.
- Anti-theft devices: your insurer doesn’t want to have to pay out a claim if your car is stolen; they will often reward you with a discount for anti-theft devices.
- Multi-car: If you have more than one car in your family, it can save money to insure them all with the same company.
- Passive restraint devices: if your car has airbags or other devices that make it less likely you’ll be hurt in an accident, you may earn a discount.
- Customer loyalty: stay with the same company for a few years and you may earn a discount. Some companies offer one just for switching to them from another insurer.
Frequently asked questions
What is the best car insurance company?
The best car insurance company will differ for every driver based on their circumstances, budget and driving history. To find the best car insurance in Worcester, it may be necessary to get several quotes from the companies you are interested in, and see who offers you the best rates for the coverage you need.
How much does car insurance in Worcester cost?
The average annual cost of car insurance in Worcester is $666 for the state minimum coverage and $1,575 for full coverage — however, your own rate will vary. It is determined differently by each company, based on multiple factors such as your driving history and where you live.
How much car insurance do I need in Worcester?
Insurance experts typically recommend that you purchase more than the minimum car insurance in Worcester, if your budget allows. The cost of repairs can quickly exceed state minimums for liability, leaving you with the risk of financial devastation.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.