Updated: December 19, 2024
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In Springfield , American Safer Family leads for full coverage car insurance. State Farm has the best rates for minimum coverage. Families with teens find State Farm most affordable.
When it comes to customer service, Safety Group stands out, also securing the title for best overall, balancing price and service. But selecting what suits you best may vary based on personal coverage requirements and preferences.
In Springfield, State Farm offers the cheapest minimum coverage car insurance at $373 annually, compared to Travelers' most expensive option at $1,237 per year, underscoring the potential savings of $864 when consumers compare providers to find the best deal for their needs.
In Springfield, residents can save significantly on car insurance by comparing rates, with a potential difference of $1,806 annually between the least expensive full coverage policy from State Farm at $731 and the most costly from Travelers at $2,537, underscoring the importance of shopping around to find the best deal.
In Springfield, military drivers seeking full coverage car insurance will find the most affordable option with State Farm at $731 per year, offering significant savings compared to Plymouth Rock Assurance's $920 annual rate, while Safety Group stands out for its balanced service and satisfaction offerings in the region.
Why Trust MoneyGeek? We analyzed 22,050 quotes in Massachusetts from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Springfield insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Springfield, MA, as of July 2024.
State Farm offers the cheapest minimum coverage car insurance in Springfield.
Travelers has the most costly minimum coverage policy in Springfield, with an annual premium of $1,237. That’s a $864 difference compared to State Farm, highlighting the potential savings when consumers compare rates to find the best deal for their needs.
| State Farm | $373 | $31 |
| Plymouth Rock Assurance | $418 | $35 |
| Safety Group | $439 | $37 |
| Vermont Mutual | $447 | $37 |
| Hanover | $525 | $44 |
| Chubb | $535 | $45 |
| American Family | $681 | $57 |
| Amica Mutual | $892 | $74 |
| Allstate | $959 | $80 |
| Arbella | $966 | $81 |
| GEICO | $979 | $82 |
| Progressive | $1,123 | $94 |
| Travelers | $1,237 | $103 |
For all cities in Massachusetts, including Springfield, state law dictates the minimum required car insurance coverage. Here's what you need to have:
Consider this: if you have the minimum coverage and are liable for an accident, your policy would cover up to $20,000 for an individual's injuries, but up to $40,000 for the entire accident. If damages exceed these limits, you're personally responsible for the difference.
State Farm is the cheapest option in Springfield for those seeking the cheapest full coverage car insurance.
Travelers has the most expensive full coverage policy in Springfield, with an annual rate of $2m537, which highlights the importance of shopping around to save on full coverage car insurance. Full coverage policies are pricier than minimum coverage because they offer more protection, covering a range of events, from accidents to theft.
| State Farm | $731 | $61 |
| Plymouth Rock Assurance | $920 | $77 |
| Vermont Mutual | $1,211 | $101 |
| American Family | $1,295 | $108 |
| Safety Group | $1,296 | $108 |
| Hanover | $1,419 | $118 |
| Chubb | $1,423 | $119 |
| Amica Mutual | $1,837 | $153 |
| Allstate | $1,850 | $154 |
| GEICO | $1,877 | $156 |
| Arbella | $1,930 | $161 |
| Progressive | $1,973 | $164 |
| Travelers | $2,537 | $211 |
A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.
Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.
If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.
On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.
MoneyGeek found that State Farm is the cheapest option in Springfield for drivers with a speeding ticket, an at-fault accident, and a DUI.
Conversely, Kemper has the most expensive rates for these offenses. The difference in annual rates between after a speeding ticket and after a DUI is significant, underscoring how the severity of the infraction can influence car insurance premiums.
| State Farm | $833 | $69 |
| Plymouth Rock Assurance | $1,335 | $111 |
| Safety Group | $1,542 | $129 |
| Vermont Mutual | $1,743 | $145 |
| American Family | $1,804 | $150 |
| Allstate | $1,823 | $152 |
| Chubb | $1,975 | $165 |
| GEICO | $2,094 | $174 |
| Arbella | $2,094 | $175 |
| Amica Mutual | $2,140 | $178 |
| Hanover | $2,391 | $199 |
| Progressive | $2,491 | $208 |
| Travelers | $3,354 | $279 |
In Springfield and other cities, insurance rates are typically higher for drivers with serious offenses due to the increased risk they pose to insurers. For example, drivers with a DUI in Springfield can expect to pay an average annual rate of approximately $2,820, while those with a speeding ticket face around $1,971. These significant rate differences highlight the importance for individuals with driving offenses to diligently compare insurance rates because finding the right insurer could lead to substantial savings.
State Farm offers the cheapest full coverage car insurance for teens in Springfield. Young drivers and their families can secure more affordable rates by comparing options.
These annual premiums are for policies combining two parents with a teen driver. Travelers has the most expensive policy for teen drivers in Springfield, with an annual premium of $4,099 for female teens. This significant price variance highlights the need for families to shop around, especially when adding a teenager to their policy, because teen drivers are considered high-risk and can greatly influence the cost of car insurance.
| State Farm | $1,502 | $2,266 |
| Progressive | $1,629 | $8,630 |
| Allstate | $3,776 | $5,549 |
| GEICO | $3,844 | $3,809 |
| Travelers | $4,099 | $5,990 |
In Springfield, teenage drivers face steep insurance costs, with the average individual annual premium for a teen driver being approximately $5,249. By contrast, joining a family's existing auto insurance policy brings this down to an average of $2,970 annually.
The disparity in rates is largely due to the increased risks insurers attribute to inexperienced teen drivers. Insurers are often hesitant to offer individual policies to teens due to their higher probability of filing claims, effectively driving up the cost and making approval challenging. For cost-effective insurance, teens should consider being added to a family plan.
State Farm is the cheapest car insurance for military backgrounds in Springfield, offering substantial savings without compromising on coverage.
Although it isn't the cheapest, USAA ranks sixth with an annual premium of $1,359. While pricier than the top contenders, USAA is renowned for offering specific services that cater to the needs of active-duty military members, making it a valuable choice for those who prioritize tailored insurance solutions alongside competitive pricing.
| State Farm | $731 | $61 |
| Plymouth Rock Assurance | $920 | $77 |
| Vermont Mutual | $1,211 | $101 |
| American Family | $1,295 | $108 |
| Safety Group | $1,296 | $108 |
| USAA | $1,359 | $113 |
| Hanover | $1,419 | $118 |
| Chubb | $1,423 | $119 |
| Amica Mutual | $1,837 | $153 |
| Allstate | $1,850 | $154 |
| GEICO | $1,877 | $156 |
| Arbella | $1,930 | $161 |
| Progressive | $1,973 | $164 |
| Travelers | $2,537 | $211 |
In Springfield, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.
MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 24, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Choosing the best auto insurance is a balance of prioritizing service quality, cost, coverage and other factors. MoneyGeek's unique scoring approach evaluates carriers on these diverse criteria to recommend Springfield's top performers:
Catering to varied needs, Safety Group's dominance in the market is clear, showing that it excels in offering a well-rounded service and maintaining budget-friendliness without significantly compromising on the customer experience.
Safety Group is the best car insurance option in Springfield, offering the highest MoneyGeek score.
Safety Group distinguishes itself with impressive satisfaction and affordability scores, which are crucial factors for a full coverage policy. This indicates that customers are typically more content with their service and find the premiums to be economically reasonable, making it an excellent choice for comprehensive car insurance coverage in Springfield.
Safety Group's MoneyGeek Score is bolstered by its strong satisfaction and coverage scores. The company offers rental car and/or travel reimbursement and roadside assistance, ensuring drivers are supported in case of travel interruptions and vehicle breakdowns.
Safety Group provides accident forgiveness, a feature that helps drivers avoid rate increases after their first at-fault accident. Gap insurance can also be particularly valuable for those concerned about owing more on their car loan than their vehicle is worth after a total loss.
Personal property insurance stands out because it protects against the loss of personal items from your vehicle. The company also offers deductible modification, which allows for a decreasing collision deductible, rewarding safe driving and loyalty.
Safety Group is the best option in Springfield for top-notch customer service in car insurance.
Safety Group distinguishes itself with the highest general satisfaction and claims handling scores. Its commitment to customer service excellence and comprehensive coverage options establishes them as the premier choice for car insurance in the region.
Safety Group stands out with its exceptional customer satisfaction and claims handling. The company offers roadside assistance and rental car and/or travel reimbursement.
Personal property insurance and gap insurance are valuable offerings from Safety Group. With personal property insurance, drivers benefit from coverage for personal belongings in their vehicle. Gap insurance is crucial for those with loans or leases, covering the gap between the vehicle's value and the amount owed.
Safety Group is the best option in Springfield for those seeking the most affordable car insurance without compromising on quality. Although it emphasizes affordability, the MoneyGeek score also incorporates customer satisfaction and claims handling to provide a holistic view of an insurer's performance.
Safety Group stands out with the highest MoneyGeek score due, in significant part, to its impressive affordability and robust satisfaction ratings. The score represents a minimum coverage policy, which emphasizes that even the most cost-conscious consumers don't have to sacrifice service quality for price.
Safety Group particularly excels in affordability and customer satisfaction, with an average annual premium of $439 for minimum coverage. Safety Group’s discount offerings may not be extensive, but this does not detract from its value proposition.
Residents of Springfield, Massachusetts, can expect to pay an average car insurance premium of $1,498. This figure is higher than the state average, which is $1,342. Massachusetts' average insurance costs fall below the national average of $1,781 by $439, illustrating a significant price difference between state and nationwide insurance premiums.
Car insurance premiums aren't solely dependent on geographic location, although it remains a crucial factor. Insurers consider the likelihood of accidents and thefts, which tend to be higher in urban areas.
Certain cities within a state will bear different insurance burdens. For instance, in Massachusetts, Boston has the most expensive premium at $1,828, while Cambridge claims the cheapest premium at $1,060, showing a substantial difference of $768 between cities. These contrasts highlight how areas with lower traffic density, often outside of major cities, could potentially offer even lower car insurance rates.
| Boston | $1,948 |
| Cambridge | $1,102 |
| Lowell | $1,206 |
| Springfield | $1,498 |
| Worcester | $1,296 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
