Best Cheap Auto Insurance in Worcester, Massachusetts (2023)

Drivers in Worcester pay 19% less for car insurance than the national average.

Elizabeth Rivelli
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Elizabeth Rivelli
Elizabeth Rivelli

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Updated September 20, 2023

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Located in central Massachusetts between Boston and Springfield, the city of Worcester is known as the Heart of the Commonwealth. In this second-largest city in the state behind Boston, drivers pay nearly 22% more for car insurance than the Massachusetts average. This could be due in part to its population density.

The average monthly cost of car insurance in Worcester is $92 for liability-only coverage and $134 for full coverage. But car insurance premiums depend on many factors, like your age, claim history, and driving record. Here’s what you should know about finding cheap car insurance in Worcester, Massachusetts.

Quick Facts

  • GEICO, Allstate, and Travelers are some of the cheapest insurance companies in Worcester.

  • Worcester drivers are required to carry personal injury protection (PIP) coverage to meet Massachusetts’ no-fault laws.

  • Massachusetts prohibits insurance companies from using a driver’s credit score to determine insurance rates.

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Best car insurance companies in Worcester

Many car insurance companies cover drivers in Worcester. Each insurer has pros and cons, and the best one for you will depend on your personal needs. Here are some of the top car insurance companies in Worcester for different driver types.

Best insurer for cheap rates: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood, life, business, and identity protection insurance, among other products.

AM Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioners (NAIC) Consumer Complaints Index.

Pros

  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons

  • Limited agent network

  • No rideshare or gap insurance

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

Best insurer for discounts: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo

Travelers has been in business for more than 165 years. Today, the company sells auto, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new-car replacement coverage, and more.

Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, students, and more. Travelers has fewer complaints than expected with the NAIC.

Pros

  • Accident forgiveness available

  • A++ (Superior) financial strength rating from AM Best

Cons

  • Rideshare coverage only available in Colorado and Illinois

  • Low J.D. Power customer satisfaction rating in New England

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Best insurer for coverage options: Amica

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$189/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$270/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders rather than shareholders.

Amica offers numerous discounts to help drivers save and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros

  • A+ (Superior) financial strength rating from AM Best

  • Above-average J.D. Power customer satisfaction rating in New England

Cons

  • Discounts not available in every state

  • Limited number of local offices

Nice company, but their prices go up all the time.

Donna - August 13, 2022
Verified

They’re always there, there are no hoops to jump through and they have helpful employees.

Jean - June 5, 2022
Verified

Excellent service

GERALD - February 7, 2022
Verified
Read our Amica review

Cheapest liability-only car insurance in Worcester

Liability insurance is legally required for all vehicle owners in Worcester. It covers your legal and financial responsibilities if you cause an accident that results in someone else’s injuries or property damage. Liability-only insurance is the most affordable type of car insurance you can get, but it also offers the least amount of coverage.

In the table below, you can see which car insurance companies in Worcester have the cheapest liability-only insurance quotes:

Insurance CompanyAverage Monthly Quote
Liberty Mutual$113
Midvale Home & Auto$63
Safeco$66
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Worcester

Full-coverage car insurance offers more protection than liability-only insurance. A standard full-coverage policy includes collision and comprehensive insurance, which provide physical damage coverage for your vehicle. It also includes liability insurance and medical payments coverage.

Full coverage is optional for most drivers. However, your lender will often require it if you lease or finance your car. Even if you own your vehicle outright, having full coverage is still beneficial. A minimum-coverage policy doesn’t provide any coverage for theft or physical damage, so you’d have to pay out of pocket to fix your car after an at-fault accident.

These companies have the cheapest full-coverage car insurance in Worcester:

Insurance CompanyAverage Monthly Quote
Liberty Mutual$187
Midvale Home & Auto$111
Safeco$155
Travelers$92
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Massachusetts

Car insurance is a legal requirement in Massachusetts. Vehicle owners are required to carry a minimum amount of bodily injury and property damage liability insurance, as well as uninsured motorist bodily injury liability insurance.[1]

To meet Massachusetts’ no-fault insurance laws, drivers must also carry personal injury protection (PIP). In a no-fault state, your insurance company automatically covers your medical bills after an accident, regardless of which driver caused the crash.

CoverageMinimum Requirements
Bodily injury liability$20,000 per person and $40,000 per accident
Property damage liability$5,000 per accident
Personal injury protection$8,000 per person, per accident
Uninsured motorist bodily injury liability$20,000 per person and $40,000 per accident

In addition to these coverages, most insurance companies also sell endorsements that can fill gaps in your basic policy. Here are some of the optional coverage you might want to get:

illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

Gap insurance

If you lease or finance your vehicle and it gets totaled, gap insurance pays the difference between your car’s diminished value and what you still owe.

illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

Roadside assistance

Roadside assistance covers basic roadside repairs, like flat-tire changes, fuel delivery, and towing.

illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

Accident forgiveness

With accident forgiveness, your insurance company will waive your first accident so it won’t affect your premium. However, not every insurance company offers this coverage.

Massachusetts Auto Insurance Plan (MAIP)

If you can’t qualify for auto insurance on your own due to your driving record or another issue, you can enroll in the Massachusetts Auto Insurance Plan (MAIP) to get coverage. An agent can help you get a policy from a participating insurer.[2] But keep in mind that insurance prices through the MAIP are more expensive than standard policies.

Cheapest car insurance for drivers with an incident

Having an incident on your driving record, like speeding tickets or at-fault accidents, will affect your car insurance rates. The exact rate increase will depend on several factors, like your insurance company and the specific violation. For example, driving under the influence usually has a much bigger effect on your rate than a speeding ticket.

Shop for Car Insurance in Worcester

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Cheapest car insurance for drivers with a speeding ticket

Getting pulled over for speeding might seem like a minor offense, but it can cause your car insurance premium to go up. Most car insurance companies increase rates only slightly after a speeding ticket. However, you could see a more significant rate increase, depending on your insurer and other violations on your record.

The table below outlines the cheapest car insurance companies in Worcester for drivers with a speeding ticket:

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Liberty Mutual$251$151
Midvale Home & Auto$149$85
Safeco$207$88
Travelers$123#N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, your car insurance rate will almost certainly increase. Your new rate will depend on several factors, like your insurance company, the severity of the accident, and your history of past collisions. If you get into an accident, shopping around for car insurance quotes could help you find a more affordable policy.

Below, you can see which Worcester car insurance companies are the cheapest for drivers with an at-fault accident on their record:

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Liberty Mutual$268$162
Midvale Home & Auto$159$91
Safeco$221$94
Travelers$131#N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI conviction is one of the most serious violations you can have on your record. If you get pulled over for driving under the influence, you can expect your car insurance rate to increase significantly. But as with all driving incidents, the cost of your car insurance policy after a DUI will ultimately depend on your insurance company.

These companies have the cheapest car insurance for Worcester drivers with a DUI conviction, based on Insurify data:

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Liberty Mutual$290$175
Midvale Home & Auto$172$98
Safeco$240$102
Travelers$142#N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Senior drivers often pay higher car insurance rates than middle-aged adults. Car insurance rates decrease around age 35 and increase around age 75, according to Insurify data. Statistics show that drivers older than 70 have a higher fatal crash rate per mile traveled compared to middle-aged drivers.[3] However, car insurance rates for seniors vary based on the insurance company.

In the table below, you can see which car insurance companies in Worcester have the most affordable monthly quotes for senior drivers:

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Liberty Mutual$140$85
Midvale Home & Auto$83$48
Safeco$116$49
Travelers$69#N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers typically pay the highest car insurance rates. Young drivers have a much higher accident rate than older, more experienced drivers, and they’re more likely to make driving errors that can cause serious collisions.[4]

But young drivers still have ways to get affordable car insurance in Worcester. For example, many insurers offer discounts for good students and insuring a vehicle with safety features. Teens can also get cheaper insurance by staying on their parents’ car insurance policy.

These companies have the cheapest monthly rates for teen drivers in Worcester, based on Insurify’s evaluation of recent rate data:

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Liberty Mutual$337$203
Midvale Home & Auto$200$114
Safeco$278$119
Travelers$165#N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Worcester

You have a variety of ways to get more affordable car insurance in Worcester. Here are a few tips for saving money on your policy:[5]

  • Bundle your policies. Most car insurance companies offer a discount to drivers who purchase their car insurance with other insurance products, like home insurance or renters insurance.

  • Take a defensive driving course. Many insurers provide savings for drivers who complete an approved defensive driving course.

  • Choose higher deductibles. Choosing high deductibles for policies like collision and comprehensive insurance will result in a lower monthly premium. Just make sure your deductible isn’t so high that you can’t afford to pay it out of pocket if you need to file a claim.

  • Pay in full. You can typically save some money on your car insurance if you pay the annual premium up front and in full.

  • Maintain a clean record. Drivers who maintain a clean record every year usually pay the lowest insurance rates. Many insurers also offer a discount to customers with no recent accidents or tickets on their record.

Find Cheap Car Insurance in Worcester

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Is car insurance more expensive in Worcester?

Worcester drivers pay less for car insurance than the average American. The national average car insurance premium is $172 for full coverage and $106 for liability-only coverage. To compare, the average rate in Worcester is $134 for full coverage and $92 for minimum coverage.

Your specific car insurance rate will depend on factors besides your location, like your age, driving record, and vehicle type.

More cities in Massachusetts

Car insurance rates vary based on your city and ZIP code. However, Worcester has more expensive car insurance than many other large cities in Massachusetts. For example, the average in Somerville is almost 40% cheaper than the average rate in Worcester. Below, you can see the average full-coverage car insurance quotes in other Massachusetts cities and how they compare to Worcester’s average full-coverage quote.

CityAverage Monthly QuoteCompared to Worcester
Lowell$113-16%
New Bedford$120-10%
Quincy$98-27%
Somerville$82-39%
Springfield$111-17%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Worcester car insurance FAQs

If you’re shopping for car insurance in Worcester, Massachusetts, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.

  • How much is car insurance in Worcester, Massachusetts?

    Car insurance in Worcester costs $134 per month for full-coverage insurance and $92 per month for liability-only coverage, according to Insurify data.

  • What are the best car insurance companies in Worcester?

    The best car insurance company in Worcester is GEICO. The company has an A++ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) Score of 4.2 out of 5, and the highest J.D. Power customer satisfaction rating in New England. Other top insurers include Allstate, Amica, and Travelers.

  • Is car insurance required in Massachusetts?

    Yes. It’s illegal to drive without car insurance in Massachusetts. If you’re caught driving without insurance, you could face a fine of up to $5,000, up to one year in jail, and suspension of your license and registration.

  • Does your credit score affect car insurance rates in Worcester?

    No. Insurance companies in Massachusetts can’t use your credit score when setting your car insurance rates.[6] This means that you won’t pay more for car insurance with bad credit compared to someone with good credit, all other factors being the same.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

More cities in Massachusetts

Popular cities

Sources

  1. Massachusetts Office of the Attorney General. "Understanding Auto Insurance." Accessed August 7, 2023
  2. Massachusetts Division of Insurance. "Massachusetts Auto Insurance Plan (MAIP)." Accessed August 7, 2023
  3. Insurance Institute for Highway Safety. "Older drivers." Accessed August 7, 2023
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed August 7, 2023
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed August 7, 2023
  6. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed August 7, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Learn More
Ashley Cox
Edited byAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor

  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Read Editorial Guidelines

View Full Bio

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