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.
Cheapest Car Insurance in Springfield, MA
Here are the cheapest carriers in Springfield for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Companies | Quotes |
|---|---|
Allstate |
$109 /mo |
GEICO |
$147 /mo |
Liberty Mutual |
$185 /mo |
Travelers |
$204 /mo |
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 carrier reviews. The following are the top rated carriers that offer car insurance in Springfield. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
|
GEICO |
87
|
$147 /mo |
|
Allstate |
86
|
$109 /mo |
|
Travelers |
81
|
$204 /mo |
|
Liberty Mutual |
80
|
$185 /mo |
Average Car Insurance Cost
| Massachusetts Cities | |
|---|---|
| Boston |
$137/mo |
| Worcester |
$158/mo |
| Lowell |
$134/mo |
| Cambridge |
$119/mo |
| Springfield |
$161/mo |
| Massachusetts |
$142/mo |
Click here to learn about car insurance quotes and save on your current policy.
Springfield, MA Driving Facts
State Minimum Car Insurance Coverage in Massachusetts
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.
Insurify Rankings
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Springfield stacks up for the state of Massachusetts:
Springfield, MA
Suspended Licenses Rank
Most Patriotic City
Springfield
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Springfield won Insurify's Most Patriotic Cities Award for the state of Massachusetts. A prominent locale in American history, Springfield was the site of Shays' Rebellion in 1786-7.
FAQs - Springfield, MA Car Insurance
© 2013-2020 Insurify, Inc. All rights reserved. Ensurify Insurance Agency is a licensed insurance agency in 50 states.