Cheap Auto Insurance Quotes in Springfield, MA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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.

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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.

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.

Average Car Insurance Cost

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Springfield, MA Driving Facts

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.

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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 AgeAvg. Monthly Cost
teens$352
20s$222
30s$118
40s$98
50s$92
60s$92
70s$99
80sN/A
Driving HistoryAvg. 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 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.

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 TieAvg. Monthly Cost
Excellent$143
Good$99
Average$144
Poor$144

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.

Conclusion: 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.

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:

honda
Honda Accord
Most Popular Car in
Springfield, MA
suspended licenses
#8
Cities with Most
Suspended Licenses Rank
Most Patriotic City

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

Why is car insurance in Springfield so expensive?

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.

Do I need to have collision coverage in Springfield?

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.

Where can I find cheap car insurance in Springfield?

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.