Best Cheap Auto Insurance in Worcester, MA (2021)

The cheapest Worcester, MA auto insurance insurance is from State Farm, although rates will vary by driver. Auto insurance in Worcester must meet the state minimums of 25/40/5 in liability coverage, $8,000 in PIP, and 20/40 in uninsured/underinsured motorist coverage, which can raise individual Worcester insurance rates.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • State Farm offers the cheapest auto insurance in Worcester, MA with average rates of $148/mo
  • Worcester doesn’t have a lot of traffic, which means low commute time
  • Auto insurance in Worcester is more expensive than average

Worcester, MA auto insurance is more expensive than the state and national averages. This is surprising since, in general, Massachusetts auto insurance is cheaper than the national average.

The good news is that you can still find affordable Worcester, MA auto insurance. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.

Monthly Worcester, MA Car Insurance Rates by ZIP Code

Find more info about the monthly Worcester, MA auto insurance rates by ZIP Code below:

View as image

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Worcester, MA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Worcester, MA against other top US metro areas’ auto insurance rates.

View as image

Enter your ZIP code now to compare Worcester, MA auto insurance rates from multiple companies for free.

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

The auto insurance company with the cheapest average rates in Worcester is State Farm. However, rates will vary by driver.

The cheapest Worcester, MA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Massachusetts car insurance company rates?” We cover that as well.

View as image

The top Worcester, MA auto insurance companies listed from least to most expensive are:

  • State Farm – $1,779.66
  • USAA – $2,539.22
  • GEICO – $3,707.03
  • Travelers – $4,060.64
  • Allstate – $4,443.46
  • Progressive – $5,305.63
  • Liberty Mutual – $5,476.30

There are many different factors that affect auto insurance rates, such as your age, driving record, and even credit history.

Where you live can also affect your rates. Drivers in larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Boston, MA will be much more expensive than coverage in Worcester.

Worcester, Massachusetts car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a major role in your Worcester, MA car insurance rates. Find the cheapest Worcester, Massachusetts car insurance rates by coverage level below:

View as image

Your driving record will affect your Worcester car insurance rates. For example, a Worcester, Massachusetts DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Worcester, Massachusetts car insurance rates by driving record.

View as image

Factors affecting car insurance rates in Worcester, MA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Worcester, Massachusetts car insurance.

View as image

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Worcester. WA does not use gender, so check out the average monthly car insurance rates by age and gender in Worcester, MA.

View as image

What auto insurance coverage is required in Worcester, MA?

Massachusetts requires that all drivers meet at least the minimum required auto insurance coverages.

Drivers in Worcester, MA must carry at least these coverages:

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

As you can see, this isn’t much coverage, particularly in the event of a major accident. Consider raising the limits and adding extra coverages to cover any vehicle damage as well as bodily injury.

If you cause an accident, collision insurance will cover any damages to your vehicle.

Comprehensive coverage protects your vehicle from accidents that aren’t caused by an accident, such as burglary, vandalism, and natural disasters. This is especially helpful considering Worcester, MA weather like rain and snow can cause accidents.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

What affects auto insurance rates in Worcester, MA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident. INRIX ranks Worcester, MA as the 132nd most congested city in the U.S.

City-Data reports that most drivers in Worcester commute about 20 minutes. Although most drivers choose to commute alone, a significant number carpool and take public transportation.

Theft rates in your city can also raise your car insurance rates. According to the FBI, there were 397 motor vehicle thefts in one year in Worcester.

Worcester, MA Auto Insurance: The Bottom Line

Although Worcester auto insurance is more expensive than average, you can still find a good deal. Before you buy Worcester, MA auto insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare Worcester, MA auto insurance quotes from multiple companies near you.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Monthly Worcester, MA Auto Insurance Rates by ZIP Code
Worcester, MA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Worcester, MA Auto Insurance Rates by Company vs. City Average
Worcester, MA Auto Insurance Rates by Company and Age
The Cheapest Worcester, MA Auto Insurance Rates by Coverage Level
The Cheapest Worcester, MA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Worcester, MA
Average Monthly Auto Insurance Rates by Age & Gender in Worcester, MA
Monthly Worcester, MA Auto Insurance Rates by ZIP Code
Worcester, MA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Worcester, MA Auto Insurance Rates by Company vs. City Average
Worcester, MA Auto Insurance Rates by Company and Age
The Cheapest Worcester, MA Auto Insurance Rates by Coverage Level
The Cheapest Worcester, MA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Worcester, MA
Average Monthly Auto Insurance Rates by Age & Gender in Worcester, MA
Monthly Worcester, MA Auto Insurance Rates by ZIP Code
Worcester, MA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Worcester, MA Auto Insurance Rates by Company vs. City Average
Worcester, MA Auto Insurance Rates by Company and Age
The Cheapest Worcester, MA Auto Insurance Rates by Coverage Level
The Cheapest Worcester, MA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Worcester, MA
Average Monthly Auto Insurance Rates by Age & Gender in Worcester, MA