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Cheap Auto Insurance Quotes in Springfield, MA (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Long considered to be a great place to live, Springfield is attractive to professionals, students, and families looking to settle down. While the city is easy to navigate as a whole, traffic can be plentiful, especially during rush hour. It’s advised that you learn alternate routes to any frequent destinations and make sure to enroll in a robust car insurance policy in the event of a fender bender.
Quick Facts
- The average cost of car insurance in Springfield is $220 per month, or $2640 annually.
- Car insurance in Springfield is $94 more than the average cost of car insurance in Massachusetts.
- The cheapest car insurance provider in Springfield on average is Liberty Mutual, but you should always compare quotes to find your best personal rate.
Car Insurance in Springfield, MA
The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Springfield, MA to find you the cheapest quotes in the area.
Quotes by Top Companies
Allstate$109
GEICO$147
Liberty Mutual$185
Travelers$204
Cheapest Car Insurance in Springfield, MA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Springfield | Quotes |
|---|---|
| Allstate | $109 /mo |
| GEICO | $147 /mo |
| Liberty Mutual | $185 /mo |
| Travelers | $204 /mo |
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Best Car Insurance in Springfield, MA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Springfield. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $134 /mo |
| Liberty Mutual | 82 | $183 /mo |
| Travelers | 80 | $57 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Massachusetts Cities | |
|---|---|
| Boston | $137/mo |
| Worcester | $158/mo |
| Lowell | $134/mo |
| Cambridge | $122/mo |
| Springfield | $161/mo |
| Massachusetts | $142/mo |
Cambridge$122
Lowell$134
Boston$137
Average for MA$142
Worcester$158
Springfield$161
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in MA
The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.
The minimum bodily injury liability insurance requirements in Massachusetts are:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Massachusetts are:
- $5,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.
- $8,000 personal injury protection (PIP) per person per accident
Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements.
What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:
- $20,000 uninsured motorist bodily per person
- $40,000 uninsured motorist bodily per accident
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
Springfield Car Insurance Rates by Driver Age
Working teenagers should be able to afford car insurance at $352 per month, perhaps with some help from mom and dad. Bay Staters find that prices go down as the number of years behind the wheel goes up. That’s why young adults in their 20s get a $130 cut over what teens pay. From that point, those 30 and above spend less than the state average of $168 per month. Those in their 60s snag the sweetest deal, with a price that’s over $200 cheaper than what the youngest drivers shell out monthly.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $352 |
| 20s | $222 |
| 30s | $118 |
| 40s | $98 |
| 50s | $92 |
| 60s | $92 |
| 70s | $99 |
| 80s | N/A |
Springfield Car Insurance Rates by Driving and Accident History
In the Bay State, safe driving protects lives and livelihoods. People enjoy the peace of mind that defensive driving grants, and insurance companies give the responsible residents “good driver” and “accident-free” discounts. But the deals can disappear as quickly as a fender bender because an at-fault accident kicks the rate up over $80 per month, or $960 per year. Even worse, a failure-to-stop violation pushes the premium up to $229. The good news is after three years of careful driving, accidents and tickets stop affecting monthly costs.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $124 |
| Speeding Ticket | $179 |
| At-Fault Accident | $213 |
| Failure to Stop for Red Light / Stop Sign | $229 |
Springfield Car Insurance Rates by Credit Tier
What does credit have to do with driving? Massachusetts law says “absolutely nothing” and prohibits insurance companies from factoring it in when setting rates. That means drivers would expect the costs to be pretty close, which is the case for poor, average, and excellent credit. Perhaps those with good credit buy less coverage or qualify for different discounts than the other three groups, explaining the $40 difference. Either way, moving from poor or average credit to good credit could amount to a $480 per year savings.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $143 |
| Good | $99 |
| Average | $144 |
| Poor | $144 |
See More: Bad Credit Car Insurance Massachusetts
Find local Springfield agents
Leahy & Brown Insurance + Realty, Inc.
535 Allen Street,
Springfield , MA 01118Alban Insurance
85 Wilbraham Rd,
Springfield, MA 01109Ambrose Insurance
1381 Plumtree Rd,
Springfield, MA 01119Bombard Insurance Agency, Inc.
1225 Sumner Ave,
Springfield, MA 01118AAA Pioneer Valley
1891 Wilbraham Road,
Springfield, MA 01129Jack Keough Insurance Agency
612 Page Blvd.,
Springfield, MA 01104Chase Clarke Stewart & Fontana
101 State Street,
Springfield, MA 01102'People''s United Insurance Agency'
1391 Main St Fl 3,
Springfield, MA 01103-1661Sullivan - Keating Moran Insurance Agency of Springfield, Inc.
840 Liberty St,
Springfield, MA 01101The Axia Group
933 East Columbus Avenue,
Springfield, MA 01105
Springfield, MA DMV Information
With over 150,000 residents, Springfield isn’t the easiest city to accomplish your DMV tasks in. There’s only one office in the area, and it’s open Monday through Friday from 9 a.m. to 5 p.m. Anyone who needs to visit this Massachusetts Registry of Motor Vehicles location should arrive early and plan on waiting to be helped.
Public Transportation in Springfield, MA
Thankfully, anyone living in Springfield who doesn’t own a vehicle isn’t at a huge disadvantage. As part of the Pioneer Valley Transit Authority, Springfield has buses that run over a dozen routes to take you just about anywhere you need to go. If you need to travel during a holiday or when the bus isn’t in service, a rideshare option like Uber or Lyft is your best bet.
How to get the best and cheapest car insurance in Springfield, MA
Some drivers who travel during off-hours may claim that navigating Springfield is a breeze, while others who spend a lot of time on the road may feel stressed out by conditions here. Keep in mind that winter weather can create additional hazards, so it’s smart to purchase a robust car insurance policy in the event of an accident.
Springfield drivers don’t have to worry about paying too much for auto insurance when they use Insurify. After answering a few simple questions, you can compare rates from a variety of insurance carriers and select the plan that fits your budget and lifestyle.
FAQs - Springfield, MA Car Insurance
Drivers here pay more than the national average due to a number of factors, including the high cost of vehicle repairs and the fact that Massachusetts is a no-fault state. Your rates will also be affected by your driving history and even your credit score. While motorists in this city are required to enroll in a range of coverage types, collision isn’t one of them. Many drivers do opt for this protection, however, if they tend to spend a lot of time on the road and want greater peace of mind. If you’re looking for the perfect combination of affordable and comprehensive auto coverage, Insurify can help. You’ll be able to compare real-time quotes in just a few minutes and can enroll in a new policy online.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Springfield Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Springfield, Massachusetts below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Springfield drivers measure up to their fellow motorists across Massachusetts in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Springfield
#6
City with the Most Speeding Tickets Rank in Massachusetts
#31
City with the Most Moving Violations Rank in Massachusetts
#14
City with the Most DUIs Rank in Massachusetts
#15
City with the Most Suspended Licenses in Massachusetts
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Springfield drivers rank 20 in the number of car accidents per driver across all cities in Massachusetts.
- Rank within state: #20
- Percent of drivers in Springfield with an accident: 11.36%
- Drivers in Springfield, MA with an accident in their driving history pay on average 10.06% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Springfield drivers rank 6 in the number of speeding infractions per driver.
- Rank within state: #6
- Percent of drivers in Springfield with a speeding ticket: 8.2%
- Drivers in Springfield, MA with a speeding ticket in their driving history pay on average 21.89% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Springfield drivers rank 14 in the number of DUI’s per driver across all cities in Massachusetts.
- Rank within state: #14
- Percent of drivers in Springfield with a DUI: 1.02%
- Drivers in Springfield, MA with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Springfield is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Massachusetts, Springfield drivers rank 8 in rude driving infractions.
- Rank within state: #8
- Percent of drivers in Springfield with a reckless driving violation: 1.2%
- Drivers in Springfield, MA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Springfield drivers rank 5 in clean driving records across all cities in Massachusetts.
- Rank within state: #5
- Percent of drivers in Springfield with clean record: 82.49%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Springfield drivers rank 8 in failure to yield violations per driver across all cities in Massachusetts.
- Rank within state: #8
- Percent of drivers in Springfield with a failure to yield violation: 0.09%
- Drivers in Springfield, MA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Massachusetts, Springfield drivers rank 3 in the number of reckless driving offenses per driver.
- Rank within state: #3
- Percent of drivers in Springfield with a reckless driving offense: 0.09%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Springfield drivers rank 20 in hybrid and electric vehicle ownership across all cities in Massachusetts.
- Rank within state: #20
- Percent of drivers in Springfield with a hybrid/electric vehicle: 0.69%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others