Cheapest Car Insurance In Worcester, MA 2025
If you’re looking for affordable minimum coverage in Worcester, State Farm has the best deal at about $31 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When trying to find low-cost car insurance in Worcester, MA, you’ll notice that rates vary significantly.
State Farm offers the lowest rates for drivers who only need liability insurance. For those needing full protection, State Farm also has the most competitive pricing. State Farm is also known for having the best rates for young drivers.
Cheapest Car Insurance Companies In Worcester, MA 2025
Cheapest Liability-only Car Insurance In Worcester: State Farm
If you’re in Worcester and need basic car insurance, State Farm has the cheapest rate at around $31 a month.
Use the chart below to review and compare costs among different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $31 | $372 |
| Plymouth Rock Assurance | $35 | $420 |
| Safety Group | $39 | $468 |
| Hanover | $33 | $396 |
| American Family | $45 | $540 |
Cheapest Full Coverage Insurance Rates In Worcester: State Farm
If you’re looking for full coverage in Worcester, State Farm has the best deal at around $62 a month.
This table lays out average insurance rates from low-cost insurers in Worcester.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| American Family | $94 | $1,128 |
| Plymouth Rock Assurance | $81 | $972 |
| Safety Group | $106 | $1,272 |
| Vermont Mutual | $117 | $1,404 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the lowest car insurance rates for seniors in Worcester, with quotes averaging $65 per month.
This table shows the average quotes from budget-friendly car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| Safety Group | $96 | $1,152 |
| Norfolk and Dedham Group | $115 | $1,380 |
| USAA | $117 | $1,404 |
| Preferred Mutual | $112 | $1,344 |
Cheapest Rates In Worcester For Teenagers: State Farm
State Farm provides the cheapest car insurance for teens in Worcester, charging around $139 a month on average.
This table compares the car insurance companies with the best rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $139 | $1,668 |
| USAA | $220 | $2,640 |
| Metropolitan | $308 | $3,696 |
| Preferred Mutual | $285 | $3,420 |
| Safety Group | $303 | $3,636 |
Cheapest Auto Insurance For Young Adults in Worcester: State Farm
For young adults in Worcester, State Farm offers the cheapest quotes, typically around $82 a month.
Check out the table below to see how the lowest insurance rates for young adults in Worcester stack up.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $82 | $984 |
| Preferred Mutual | $155 | $1,860 |
| Encompass | $130 | $1,560 |
| Pure Companies Grp | $150 | $1,800 |
| USAA | $144 | $1,728 |
Cheapest Car Insurance In Worcester For Good Drivers: State Farm
Safe drivers in Worcester can find affordable car insurance through State Farm costing around $31 per month.
The table below lists average quotes from budget-friendly insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $31 | $372 |
| Plymouth Rock Assurance | $35 | $420 |
| Safety Group | $39 | $468 |
| Hanover | $33 | $396 |
| American Family | $45 | $540 |
Find affordable Worcester rates
Cheapest Car Insurance In Worcester After A Speeding Ticket: State Farm
State Farm is notably affordable compared to other insurers, offering average rates of $69 per month.
Check the table below to find average insurance costs for those with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $69 | $1,560 |
| Arbella | $115 | $1,380 |
| American Family | $65 | $780 |
| Safety Group | $120 | $1,440 |
| Plymouth Rock Assurance | $110 | $1,320 |
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers who have caused an accident, State Farm offers the cheapest quotes, around $91 per month.
The following car insurance providers offer the most affordable rates for drivers who caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $91 | $2,040 |
| Arbella | $140 | $1,680 |
| Plymouth Rock Assurance | $105 | $1,260 |
| Safety Group | $85 | $1,020 |
| American Family | $125 | $1,500 |
Cheapest Rates In Worcester For Drivers After A DUI: State Farm
In Worcester, drivers with a DUI can get the most affordable insurance from State Farm, averaging $108 a month.
Below is a table comparing the most affordable insurance options for Worcester drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $108 | $2,040 |
| Arbella | $140 | $1,680 |
| Plymouth Rock Assurance | $105 | $1,260 |
| Safety Group | $85 | $1,020 |
| American Family | $125 | $1,500 |
Best Car Insurance Companies In Worcester
State Farm provides the cheapest insurance for Worcester drivers at $31 a month, while Hanover and Plymouth Rock Assurance charge $33 and $35 respectively.
Here are the 10 best car insurance companies in Worcester, MA, ordered by their typical monthly premiums.
| Company | Monthly Premium |
| State Farm | $31 |
| Plymouth Rock Assurance | $35 |
| Safety Group | $39 |
| Hanover | $33 |
| American Family | $45 |
| Arabella | $52 |
| Vermont Mutual | $36 |
| Liberty Mutual | $115 |
| Safeco | $69 |
| Midvale Home | $65 |
Average Auto Insurance Rates In Worcester – By Age
One major factor in car insurance pricing is a driver’s age. Younger people typically face higher costs because they’re more likely to have accidents or traffic violations. Teenagers may pay roughly $4,395 each year for insurance.
At age 25, car insurance rates often decrease, provided the driver hasn’t had any accidents or violations.
The cheapest premiums tend to go to drivers in their 50s and early 60s, as insurers factor in age when assessing risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $4,395 |
| 20s | $1,710 |
| 30s | $1,403 |
| 40s | $1,264 |
| 50s | $1,525 |
| 60s | $1,120 |
| 70s | $1,237 |
How Much Is Car Insurance In Other Cities in Massachusetts ?
The area you live in plays a major role in determining your insurance rates. Higher chances of crashes, theft, and vandalism in cities often mean higher premiums.
Drivers living in Los Angeles can expect to pay roughly $243 a month for insurance, whereas San Diego drivers pay closer to $176 monthly.
| City | Average Monthly Rate |
| Framingham | $100 |
| Chicopee | $98 |
| Fall River | $128 |
| Cambridge | $104 |
| Lowell | $107 |
| Brockton | $156 |
| Lawrence | $135 |
| Boston | $135 |
| Haverhill | $102 |
| Andover | $80 |
Average Rates In Worcester – By Vehicle
Insurance rates depend a lot on the kind of vehicle you have. Companies check the make, model, year, and body type, and usually charge more for new, luxury cars with expensive features.
Check the table below to compare average insurance rates for different cars in Worcester.
| Vehicle | Average Monthly Rate |
| Ford Fusion | $111 |
| Honda Accord | $120 |
| Hyundai Sonata | $102 |
| Nissan Altima | $94 |
| Toyota Rav4 | $60 |
Average Cost Of Auto Insurance In Worcester – By Zip Code
Because crime rates differ by zip code, insurance prices for cars also change depending on where you live.
Below is a table showing average car insurance costs for each zip code in Worcester.
| City | Average Monthly Rate |
| 01603 | $120 |
| 01610 | $124 |
| 01605 | $117 |
| 01609 | $146 |
| 01602 | $111 |
Find affordable Worcester rates
Our Methodology
By analyzing customer service scores, product options, pricing, and online user reviews, I’ve developed a comprehensive picture of car insurance companies in Worcester, MA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Worcester?
For minimum car insurance, State Farm has the best rates in Worcester; for full coverage that covers comprehensive and collision, State Farm is the cheapest.
What is the average cost of car insurance in Worcester?
Car insurance in Worcester usually runs around $130 per month, though your rate can change based on your zip code, car model and year, and driving history.
