120+ more*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
In Springfield, Massachusetts, drivers pay an average of $138 per month for state-minimum liability insurance and $174 for full-coverage car insurance. This is higher than the average cost of car insurance in Massachusetts.
Rates in Springfield are comparable to those in Worcester, where drivers pay $117 per month for liability coverage and $181 for full coverage. Boston drivers pay lower rates, at $92 per month for liability coverage and $124 for full coverage.
Several factors affect car insurance costs in Springfield, including a major wind risk. Although Springfield is inland, it’s still at risk from hurricanes and other windstorms, and wind speeds are higher today than 30 years ago, according to First Street.[1]
Springfield also has a relatively high population density of nearly 5,000 people per square mile.[2] More people mean more cars on the road and a higher risk of accidents.
Liability quotes start at $65/mo.
Liability-only car insurance costs around $138 per month in Springfield. That’s much higher than the Massachusetts average cost of $102 per month.
All drivers in Massachusetts must meet the following minimum liability requirements:[3]
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $30,000 per accident
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Personal injury protection (PIP): $8,000
The table below shows the cheapest rates for liability-only car insurance in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $109 |
| GEICO | $111 |
| Safeco | $133 |
| Progressive | $150 |
| Liberty Mutual | $161 |
| Bristol West | $213 |
| Travelers | $251 |
| Embark | $272 |
| Amica | $342 |
Springfield drivers pay $174 per month for full-coverage car insurance, which is higher than the statewide average of $138. The Springfield average is higher than the monthly average of $124 in Boston but lower than the $231 average in Brockton.
Springfield’s high wind risk makes full-coverage car insurance a smart buy. Comprehensive coverage can pay for repairs to your car for non-collision damage, such as a falling tree branch, large hail, or even vandalism. Collision coverage pays for repairs to your car after a crash, regardless of fault.
Below, you can see the cheapest rates for full-coverage car insurance in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $156 |
| GEICO | $157 |
| Safeco | $211 |
| Liberty Mutual | $235 |
| Progressive | $260 |
| Bristol West | $348 |
| Travelers | $359 |
| Amica | $488 |
Cambridge is one of the cheapest cities in Massachusetts for car insurance, with a total average cost of $99 per month. Drivers in Brockton pay some of the highest average premiums, at $202 per month. Springfield’s rates fall in the middle, at $156 per month.
The Springfield metropolitan area has the second-highest car theft rate in Massachusetts, after the Boston metro area. This relatively high rate likely also leads to higher car insurance rates.
The following table shows the average total monthly cost of car insurance in different Massachusetts cities.
City | Average Monthly Quote |
|---|---|
| Cambridge | $99 |
| Boston | $108 |
| Somerville | $109 |
| Quincy | $120 |
| Lowell | $124 |
| New Bedford | $138 |
| Worcester | $149 |
| Fall River | $151 |
| Brockton | $202 |
Several factors affect the cost of car insurance in Springfield, Massachusetts. The area has a moderate wildfire risk and a major wind risk. Severe weather, including high winds or fires, can increase the number of car insurance claims, which insurers typically pass on to customers in the form of higher premiums.
Since Massachusetts is a no-fault state, car insurance premiums can be higher than in at-fault states. In addition to liability coverage, Massachusetts drivers must carry PIP to cover their own injuries and those of their passengers or household members. This additional coverage requirement can increase the overall cost of a policy.
*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springfield, Massachusetts within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can affect how much you pay for car insurance. Here are the cheapest companies for liability-only insurance in Springfield for drivers with a clean record, a speeding ticket, an at-fault accident, and an operating under the influence (OUI) conviction.
Cheapest car insurance for Springfield drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Springfield: USAA
Cheapest car insurance for Springfield drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with an OUI in Springfield: USAA
If you’re one of the 3% of Springfield drivers with a speeding ticket, 6% with an at-fault accident, or 1% with an OUI, according to Insurify data, you may pay more for car insurance than a driver with a clean record.
Massachusetts is a no-fault state, which means drivers must have personal injury protection (PIP) to cover their own medical bills after an accident, regardless of fault. But drivers must file property damage claims with the at-fault driver’s liability insurance.
The Massachusetts State Police operate sobriety checkpoints across the state, including in Hampden County, which includes Springfield.
Below, you can see how much Springfield drivers pay for car insurance, on average, by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $156 |
| Speeding ticket | $212 |
| At-fault accident | $192 |
| OUI | $256 |
Springfield has a minor overall flood risk thanks to an extensive levee system along the Connecticut River. But certain roadways are more prone to flooding than others, especially during heavy and sudden rainfall. If you see water on a roadway, you should always turn around and find an alternative route.
Western Massachusetts gets plenty of snow during the winter months. The Springfield Department of Public Works (DPW) manages snow removal, focusing first on main arterial routes like State Street, Walnut Street, and Main Street.[4] If total snowfall is less than 3 inches, the DPW will treat roads with salt only. Drive carefully during snowfall to avoid accidents.
Parking in Springfield is relatively easy, with on-street parking, garages, and surface lots available.[5] On-street parking varies in time limits, so make sure you check the signs to avoid overstaying. Street parking costs just $0.50 per hour, and Springfield uses the Passport Parking app to make payments easier.
Traffic in Springfield can be heavy on certain major roadways. For example, a section of Interstate 91 in Springfield had an average annual daily traffic count of more than 117,000 vehicles in 2025, according to data from the Massachusetts Department of Transportation. More cars on the road increases the accident risk, which can affect car insurance rates.
The average daily commute time in Springfield is 20 minutes. That’s less than the national average commute time of 26 minutes. Less time behind the wheel decreases the chance of an accident, which can help lower insurance premiums.
Teen drivers in Springfield pay around $240 per month for liability-only car insurance. That’s much more expensive than the state average of $178 per month.
Massachusetts teens can apply for a learner’s permit once they turn 16 and pass a learner’s permit exam.[6] To get a full license, they must complete at least 30 hours of classroom instruction and 18 hours of behind-the-wheel instruction.[7] The state restricts drivers younger than 18 from driving between midnight and 5 a.m.
The table below shows the cheapest rates for teenage drivers in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $193 |
| GEICO | $196 |
| Progressive | $261 |
| Safeco | $266 |
| Liberty Mutual | $274 |
| Bristol West | $366 |
| Embark | $474 |
| Travelers | $506 |
| Amica | $611 |
Insurify partners with 120+ auto insurers for real quotes
The average cost of liability-only car insurance for senior drivers in Springfield is $130 per month. State Farm has the lowest-cost coverage, with an average rate of $50 per month.
About 13% of Springfield residents are 65 or older, according to U.S. census data. That’s much lower than the national average of about 19%.
The following table shows the cheapest rates for senior drivers in Springfield.
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $86 |
| USAA | $86 |
| Safeco | $114 |
| Progressive | $125 |
| Liberty Mutual | $131 |
| Bristol West | $174 |
| Travelers | $197 |
| Embark | $226 |
| Amica | $264 |
The following information can help you better understand car insurance in Springfield and find the best policy for your coverage needs.
Car insurance costs an average of $156 per month in Springfield, Massachusetts. Drivers in Springfield pay $138 per month for liability coverage and $174 for full coverage.
Springfield drivers face some severe weather, with moderate fire risk and major wind risks, which can affect car insurance premiums. The city also has a relatively high population density and a longer average commute time than the U.S. average. Your driving record, ZIP code, and coverage level can all affect your car insurance rates in Springfield.
USAA has the cheapest car insurance in Springfield. A liability-only policy from USAA averages $109 per month. GEICO also offers affordable coverage for Springfield drivers.
The average cost of car insurance in Massachusetts is $120 per month. By coverage level, drivers pay $102 for liability insurance and $138 for full coverage.
The best way to get cheap auto insurance in Springfield is to compare quotes from several car insurance companies. Check that each quote includes the same coverage type and amount to ensure the quotes are comparable.
You can also look into bundling home insurance or renters insurance with your auto coverage and ask about other car insurance discounts, like a student discount. Ask your local agent about what discounts you qualify for.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
