Cheap Auto Insurance Quotes in Worcester, 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.

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.

Car Insurance in Worcester, 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 Worcester, MA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Worcester, MA

Here are the cheapest carriers in Worcester 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 Worcester, 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 Worcester. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Worcester, 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.


Worcester Car Insurance Rates by Driver Age

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.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$138
Speeding Ticket$187
At-Fault Accident$158
Failure to Stop for Red Light / Stop Sign$464

Worcester Car Insurance Rates by Driving and Accident History

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.

Worcester Car Insurance Rates by Credit Tier

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.

Credit TieAvg. Monthly Cost

Worcester, MA DMV Information

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.

Public Transportation in Worcester, MA

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.

Conclusion: How to get the best and cheapest car insurance in Worcester, MA

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.

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 Worcester stacks up for the state of Massachusetts:

Honda Civic
Most Popular Car in
Worcester, MA
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Worcester, MA Car Insurance

Why is car insurance expensive in Worcester?

A number of factors contribute to residents in Worcester paying more than the national average for car insurance including the high number of accidents in the state and the minimum insurance requirements that every driver must adhere to.

How is fault determined in Worcester auto collisions?

Massachusetts is considered a modified no-fault state, meaning that whoever is more than 50% responsible for an accident will have their auto insurance paying first toward damages. It’s smart to enroll in robust car insurance in case you are involved in an accident.

Does Massachusetts require PIP insurance?

Only a handful of states require drivers to enroll in personal injury protection coverage and Massachusetts is one of them. Drivers must purchase at least $8,000 in PIP coverage in order to be compliant.