Best Cheap Auto Insurance in Spencer, MA (2021)

The average Spencer, MA auto insurance rates are $254 per month. The minimum auto insurance in Spencer is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Spencer, Massachusetts, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Spencer is State Farm
  • The minimum auto insurance required in Spencer, Massachusetts is 20/40/5
  • The most expensive auto insurance company in Spencer for teen drivers is Liberty Mutual

Spencer, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Spencer can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Spencer, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Spencer to other Massachusetts cities, including Worcester auto insurance rates, Boston auto insurance rates, and Springfield auto insurance rates to see how Spencer, Massachusetts auto insurance rates stack up.

Before you buy Spencer, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Spencer, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Spencer, Massachusetts

Spencer, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Spencer, Massachusetts.

Minimum Required Auto Insurance Coverage in Spencer, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Spencer, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Spencer, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spencer, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,169 $2,169 $2,169 $2,169 $7,732 $7,732 $2,435 $2,435
GEICO $1,950 $1,950 $1,806 $1,806 $5,557 $5,557 $2,014 $2,014
Liberty Mutual $2,895 $2,895 $2,522 $2,522 $9,574 $9,574 $3,028 $3,028
Progressive $2,248 $2,248 $2,159 $2,159 $8,501 $8,501 $2,431 $2,431
State Farm $953 $953 $953 $953 $2,771 $2,771 $953 $953
Travelers $2,552 $2,552 $2,262 $2,262 $5,194 $5,194 $2,835 $2,835
USAA $1,443 $1,443 $1,422 $1,422 $3,379 $3,379 $1,594 $1,594

Cheap Spencer, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Spencer, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Spencer, Massachusetts.

Annual Auto Insurance Rates for Teen Drivers in Spencer, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,732 $7,732
GEICO $5,557 $5,557
Liberty Mutual $9,574 $9,574
Progressive $8,501 $8,501
State Farm $2,771 $2,771
Travelers $5,194 $5,194
USAA $3,379 $3,379

Cheap Spencer, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Spencer, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Spencer, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,169 $2,169
GEICO $1,806 $1,806
Liberty Mutual $2,522 $2,522
Progressive $2,159 $2,159
State Farm $953 $953
Travelers $2,262 $2,262
USAA $1,422 $1,422

Cheap Spencer, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Spencer, Massachusetts compared to the annual auto insurance rates with a clean record in Spencer, Massachusetts.

Annual Spencer, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,810 $4,179 $4,707 $2,810
GEICO $2,268 $3,114 $3,554 $2,391
Liberty Mutual $3,552 $4,846 $5,828 $3,791
Progressive $3,222 $4,542 $3,601 $3,974
State Farm $1,117 $1,517 $1,803 $1,194
Travelers $2,511 $3,465 $3,683 $3,183
USAA $1,394 $1,812 $3,073 $1,559

Cheap Spencer, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Spencer, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Spencer, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Spencer, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,707
GEICO $3,554
Liberty Mutual $5,828
Progressive $3,601
State Farm $1,803
Travelers $3,683
USAA $3,073

Cheap Spencer, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Spencer, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Spencer, Massachusetts to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Spencer, Massachusetts

ZIP Code Average Annual Rates
1562 $3,054

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Cheap Spencer, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Spencer, Massachusetts auto insurance. Find the cheapest annual Spencer, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Spencer, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,511 $3,742
GEICO $2,779 $2,885
Liberty Mutual $4,327 $4,682
Progressive $3,835 $3,835
State Farm $1,375 $1,441
Travelers $3,060 $3,361
USAA $1,905 $2,014

Cheap Spencer, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Spencer, Massachusetts? Check out the comparison of annual Spencer, Massachusetts auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spencer, Massachusetts

Insurance Company Low Medium High
Allstate $3,357 $3,681 $3,840
GEICO $2,607 $2,884 $3,004
Liberty Mutual $4,211 $4,564 $4,739
Progressive $3,501 $3,911 $4,093
State Farm $1,276 $1,433 $1,515
Travelers $2,920 $3,275 $3,436
USAA $1,814 $1,993 $2,073

Best By Category: Cheapest Auto Insurance in Spencer, Massachusetts

Compare the cheapest auto insurance companies in Spencer, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Spencer, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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The Cheapest Spencer, Massachusetts Auto Insurance Companies

What auto insurance companies in Spencer, Massachusetts are the cheapest? Compare the top Spencer, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Spencer, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,626
GEICO $2,832
Liberty Mutual $4,505
Progressive $3,835
State Farm $1,408
Travelers $3,211
USAA $1,960

What affects auto insurance rates in Spencer, Massachusetts?

There are a lot of reasons why auto insurance rates in Spencer, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Spencer, Massachusetts. Many local factors may affect your Spencer auto insurance rates.

Spencer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spencer, Massachusetts commute length is 30.6 minutes according to City-Data.

Compare Spencer, Massachusetts Auto Insurance Quotes

Before you buy Spencer, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Spencer, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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