Cheapest and Best Car Insurance in Springfield, MA (2024)

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.

State Farm offers the cheapest minimum coverage car insurance in Springfield.

• State Farm: $373 per year
• Plymouth Rock Assurance: $418 per year

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 Minimum Liability Requirements

For all cities in Massachusetts, including Springfield, state law dictates the minimum required car insurance coverage. Here's what you need to have:

• $20,000 bodily injury per person
  
• $40,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  
• $20,000 uninsured motorist bodily injury per person
  
• $40,000 uninsured motorist bodily injury per accident
  
• $8,000 personal injury protection (PIP) per accident
  

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.

• State Farm: $731 per year
• Plymouth Rock Assurance: $920 per year

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.

Do You Need Full Coverage in Massachusetts?

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.

• Speeding Ticket: State Farm ($833 per year)
• At-fault accident: State Farm ($1,102 per year)
• DUI: State Farm ($1,305 per year)

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.

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.

• State Farm: $1,502 per year for female and male teens
• Progressive: $1,629 per year for female and male teens

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.

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.

• State Farm: $731 per year
• Plymouth Rock Assurance: $920 per year

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.

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.

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:

• Best overall: Safety Group (MoneyGeek score 83 out of 100)
• Best for service: Safety Group (MoneyGeek score 85 out of 100)
• Best cheap: Safety Group (MoneyGeek score 89 out of 100)

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: MoneyGeek score of 83 out of 100 ($1,296 per year)
• Chubb: MoneyGeek score of 82 out of 100 ($1,423 per year)

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 is the best option in Springfield for top-notch customer service in car insurance.

• Safety Group: MoneyGeek score of 85 out of 100 ($1,296 per year)
• Amica Mutual: MoneyGeek score of 84 out of 100 ($1,837 per year)

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 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: MoneyGeek score of 89 out of 100 ($439 per year)
• Chubb: MoneyGeek score of 86 out of 100 ($535 per year)

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.

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.