Driving in Worcester, and in all of Massachusetts for that matter, has a pretty ugly reputation. Located in the central portion of the state, Worcester is home to about 185,000 people, yet at times it can feel like many more are present. Certain intersections, like Kelley Square, pose danger at nearly all times of the day, so it’s wise to have a robust car insurance policy if you’ll be traveling much in this city.
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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:
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:
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.
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:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
As demonstrated by the rates below, younger drivers cost more to insure in Worcester than those their parents’ or grandparents’ age. In fact, those in their 20s and younger pay nearly triple the price for insurance of someone in their 50s. Why? Car insurance companies use age as a predictor of driving ability. The older you are (in most cases), the better you drive, and the less risk you pose on the road. The average policy price for young drivers in Worcester is $266, while the average for drivers in their 30s and above is $109.
|Failure to Stop for Red Light / Stop Sign||$464|
Want to know the quickest way to make your insurance rates rise? Make a driving mistake. Driving violations like at-fault accidents, speeding, or blowing through a stop sign can haunt your driving record for years. Though insurance companies will ignore these offenses over time (after 3–5 years), these missteps signal additional risk to your insurer, and they’ll raise your rates to recoup any real or perceived losses due to claims. Have a failure to stop on your record? In Worcester, you’ll pay an average of $464 in insurance monthly; that’s more than triple the amount that someone with a clean record pays.
Car insurance companies calculate a customer’s risk before assigning them a rate. Your risk helps them determine the likelihood of any future claims. While age and where you live both factor into risk, your credit tier does, too. Why? Statistically speaking, people who are good at managing their money are a lower claims risk than those who aren’t. In Worcester, drivers with an average credit score pay $172 for insurance monthly.
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The Massachusetts Registry of Motor Vehicles operates one location in Worcester, located in the central part of the city. It’s open from 9 a.m. to 5 p.m. Monday through Friday, and wait times can be excessive. If you’d rather spend a bit more time in the car instead of standing in line, a drive to another city might not be a bad idea.
The Worcester Regional Transit Authority is the second-largest in Massachusetts and serves the metropolitan area and beyond with both electric and hybrid buses. The city, however, has been examining ways to improve this system, as it is no longer serving residents in the most efficient way possible. Rideshare options like Uber and Lyft are growing in popularity in Worcester, causing the WRTA to question its operation.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Worcester drivers measure up to their fellow Massachusetts motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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. Worcester drivers rank 6 in the number of car accidents per driver across all cities in Massachusetts.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Worcester drivers rank 4 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Worcester drivers rank 4 in the number of DUI’s per driver across all cities in Massachusetts.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Worcester 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, Worcester drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Worcester drivers rank 8 in clean driving records across all cities in Massachusetts.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Worcester drivers rank 6 in failure to yield violations per driver across all cities in Massachusetts.
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, Worcester drivers rank 10 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Worcester drivers rank 15 in hybrid and electric vehicle ownership across all cities in Massachusetts.
If you can avoid driving in Worcester, you just might find that your life is a lot less stressful. Residents who can’t afford to not have a vehicle should carefully consider their auto insurance coverage, as accidents can happen quickly here due to traffic and inclement weather.
Whether you want to see if you can afford to increase your level of protection or you’re looking for a brand-new policy altogether, Insurify is here to help. With just a few clicks, you can uncover quotes from multiple carriers, explore discounts, and enroll quickly and easily online.
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.