Best Cheap Auto Insurance in Springfield, MA (2021)

The average Springfield, MA auto insurance rates are $355 per month or $4,027 annually. However, your rates depend on your age, driving record, and coverage needs. State Farm is the cheapest Springfield, Ma auto insurance company. By law, all Springfield residents must carry at least the Massachusetts minimum state requirements of 20/40/5 in liability coverage plus personal injury protection (PIP).

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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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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • On average, Springfield, MA auto insurance costs $355 per month or $4,027 annually
  • State Farm provides the cheapest quotes in your city
  • Mild traffic congestion and higher than average auto theft rates impact insurance costs in your city

Springfield, Massachusetts auto insurance costs are relatively high compared to the rest of the state. However, your Springfield, MA auto insurance rates ultimately depend on your age, driving record, and coverage needs.

Below, compare actual annual rates from the top providers in Springfield and learn how to secure cheap auto insurance in your city.

When you’re ready to buy Springfield, MA auto insurance, enter your ZIP code into our free quote tool above to start shopping.

What is the cheapest auto insurance company in Springfield, MA?

The cheapest Springfield, MA auto insurance company is State Farm. However, your rates depend on your age, driving record, and coverage requirements.

Below, compare the average annual rates from the top Springfield providers:

  • State Farm – $1,800.81
  • USAA – $2,828.84
  • GEICO – $3,865.31
  • Travelers – $4,335.55
  • Allstate – $4,423.04
  • Progressive – $5,333.03
  • Liberty Mutual – $5,603.76

You can secure affordable Springfield, MA auto insurance premiums. However, know that every company uses a different formula to calculate your premiums.

While there are many different factors that affect auto insurance rates, companies in Massachusetts cannot base rates on your gender, credit history, or other non-driving variables.

To find the best provider for you, compare quotes online from more than one of the companies listed above.

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

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What auto insurance coverage is required in Springfield, MA?

All Springfield residents must follow the Massachusetts auto insurance laws.

What is the minimum requirement for auto insurance in Massachusetts? Currently, you must purchase at least:

  • $20,000 per person and $40,000 per incident in bodily injury liability insurance
  • $5,000 in property damage liability coverage
  • $8,000 in personal injury protection (PIP)

Massachusetts is a no-fault state, so all providers in the state must offer PIP coverage.

PIP pays for medical fees and lost wages associated with an accident, regardless of fault.

What affects auto insurance rates in Springfield, MA?

Higher than average auto theft statistics impact your regional Springfield, MA auto insurance rates.

Fortunately, traffic congestion in your city is minimal. According to the traffic report from INRIX, Springfield is the 190th most congested city in the country.

The average commute length for Springfield residents is also short, only 21.7 minutes compared to the national average of 26 minutes, as reported by City-Data.

However, the Federal Bureau of Investigation (FBI) recorded 509 car thefts in your city in 2017. That’s a high rate of 329.4 stolen vehicles per 100,000 residents.

Springfield, MA Auto Insurance: The Bottom Line

Overall, Springfield auto insurance rates are high compared to the rest of Massachusetts.

However, by comparing rates online and asking about auto insurance discounts, you’ll quickly secure cheap premiums.

Compare Springfield, MA auto insurance quotes for free by entering your ZIP code into our quote tool below.

Free Auto Insurance Comparison

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

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