Best Springfield, MA Auto Insurance in 2024 (Top 10 Companies Ranked)
The best Springfield, MA, auto insurance comes from State Farm, Allstate, and Progressive, with rates starting at $31/month. These top providers offer discounts of up to 25% for safe driving and bundling, delivering reliable, affordable coverage for Springfield drivers.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Dec 6, 2024
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Company Facts
Full Coverage in Springfield MA
A.M. Best
Complaint Level
Company Facts
Full Coverage in Springfield MA
A.M. Best
Complaint Level
Company Facts
Full Coverage in Springfield MA
A.M. Best
Complaint Level
The best Springfield, MA, auto insurance comes from State Farm, Allstate, and Progressive, offering affordable rates starting at just $29/month. These top providers stand out for their competitive pricing, safe driving discounts of up to 25%, and bundling options to help residents save even more.
With reliable coverage tailored for urban drivers, those aspects are driving history, vehicle type, and local risks. Compare these to ensure the best affordability and protection for Springfield drivers. For further details, consult our complete guide, “Types of Auto Insurance Coverage in 2024.”
Our Top 10 Company Picks: Best Springfield, MA Auto Insurance
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | B | Customer Service | State Farm | |
#2 | 25% | A+ | Bundling Discounts | Allstate | |
#3 | 10% | A+ | Competitive Rates | Progressive | |
#4 | 25% | A++ | Online Tools | Geico | |
#5 | 12% | A | High-Value Vehicles | AIG | |
#6 | 20% | A | Delivery Drivers | Farmers | |
#7 | 25% | A | Personalized Service | The Hanover | |
#8 | 13% | A++ | Claims Handling | Travelers | |
#9 | 25% | A | Customizable Coverage | Liberty Mutual | |
#10 | 20% | A+ | Bundling Policies | Nationwide |
Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.
- State Farm offers affordable and reliable auto insurance in Springfield, MA
- Allstate and Progressive provide competitive rates for Springfield drivers
- Local discounts and flexible policies make them the best options in the area
#1 – State Farm: Best for Top Overall Pick
Pros
- Economical Options: Our State Farm auto insurance review highlights economical options that make it an affordable choice for Springfield residents.
- Practical Assistance Rendered To Clients: Springfield-based State Farm manages the claims processing with utmost efficiency.
- Wide Range of Discounts: In Springfield, MA, drivers can take advantage of discounts for safe driving, bundling, and more.
Cons
- Some Features: State Farm’s online platforms for managing policies may not be user-friendly to Springfield residents.
- Costly Insurance Coverage for Young Drivers: Young drivers in Springfield, MA, might enjoy fewer discounts and, therefore, pay higher premiums.
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#2 – Allstate: Best for Bundling Discounts
Pros
- Resilient Customer Engagement: Allstate is known for appealing and dependable customer service by assisting with claims.
- Versatile Coverage Options: See our Allstate auto insurance review to learn how Springfield, MA, residents can customize coverage options to fit their needs.
- Policies that Encourage Bundling: Allstate offers considerable savings to Springfield residents who buy auto and home insurance together.
Cons
- Higher Premiums for Risky Drivers: In Springfield, drivers with violations may face higher insurance premiums with Allstate.
- Limited Local Agent Availability: Residents of Springfield, MA, may have fewer agents available for in-person service.
#3 – Progressive: Best for Competitive Rates
Pros
- Economical Premiums: Our Progressive auto insurance review includes details on their competitive premiums for Springfield, MA residents.
- Customizable Coverage: Drivers in Springfield who use the “Name Your Price” tool can look for insurance coverage that fits their budget.
- Variety of Options: Springfield residents enjoy multiple types of coverage and even ride-share insurance.
Cons
- Customer Service Variability: Some customers report inconsistent experiences with claims and customer service.
- Limited Local Agent Availability: Progressive has fewer local agents than other insurers.
#4 – Geico: Best for Online Tools
Pros
- Low-Cost Coverage: Geico provides low-cost automobile insurance for drivers with exclusive automobile insurance in Springfield, MA.
- User-Friendly Online Tools: In Springfield, residents can easily manage their policies through Geico’s website and mobile app.
- Multiple Discounts: Our Geico auto insurance review reveals the various discounts available for Springfield residents.
Cons
- Higher Rates for High-Risk Drivers: High-risk drivers in Springfield, MA, may need to find the best rates with Geico.
- Customer Service Variability: Springfield drivers may need consistent customer service.
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#5 – AIG: Best for High-Value Vehicles
Pros
- In-depth Coverage: AIG provides many coverage possibilities for drivers around Springfield, including particular auto insurance types.
- Excellent Claims Service: Explore our AIG auto insurance review to see how residents of Springfield, MA benefit from 24/7 claims assistance.
- Customized Provide: AIG offers personalized car insurance services according to requirements unique to individual vehicle owners in Springfield.
Cons
- Higher Premiums: Springfield, MA drivers may face higher premiums with AIG than other providers.
- Limited Discount Opportunities: AIG offers fewer discounts for Springfield, MA residents than some competitors.
#6 – Farmers: Best for Delivery Drivers
Pros
- Multiple Policies Offered: Springfield, MA-based motorists can access several policy options, including those that cater to ride-share drivers courtesy of Farmers.
- Discounts for Bundling: Springfield, MA residents can save by bundling auto and home insurance with Farmers.
- Personalized Support: Based on our Farmer’s auto insurance review, drivers in Springfield enjoy customized support for their insurance needs.
Cons
- Higher Rates for Young Drivers: In Springfield, MA, young drivers may face higher premiums with Farmers.
- Less Advanced Online Tools: Farmers’ online resources may need to be more user-friendly for Springfield, MA residents.
#7 – The Hanover: Best for Personalized Service
Pros
- Looking After Clients Satisfactorily: The Hanover offers drivers and provides clients in Springfield with great convenience in handling claims.
- Variety of Coverage Options: According to our Hanover auto insurance review, Springfield residents can access a broad range of coverage options.
- Excellent Coverage Options: The Hanover covers classic cars and other unique vehicles in Springfield, MA.
Cons
- Higher Premiums for Young Drivers: Young Springfield, MA drivers may find Hanover’s premiums higher.
- Limited Online Tools: Springfield, MA drivers may find Hanover’s website and policy management tools challenging.
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#8 – Travelers: Best for Claims Handling
Pros
- Reasonable Pricing: Discover our Travelers auto insurance review to find affordable options for Springfield drivers.
- Strong Claims Service: Springfield, MA, residents benefit from fast and efficient claims processing with Travelers.
- Wide Range of Discounts: Springfield, MA drivers can access discounts for safe driving and bundling policies.
Cons
- The lack of Local Presence: Travelers have a limited number of agents in Springfield, MA, which reduces the accessibility to in-person service.
- Backup Made Easy: Springfield policyholders may find the services offered by Travelers confusing.
#9 – Liberty Mutual: Best for Customizable Coverage
Pros
- Reasonable Prices: Supposedly, according to Springfield, MA residents, Liberty Mutual sells car insurance plans at reasonable prices.
- Multiple Discounts: In Springfield, MA, drivers can take advantage of discounts for bundling, safe driving, and more.
- Reliable Customer Service: View our Liberty Mutual auto insurance review to see why Springfield, MA, residents value their dependable customer service.
Cons
- Higher Premiums for High-Risk Drivers: In Springfield, MA, drivers with past violations may face higher premiums.
- Limited Customization: Liberty Mutual’s policies may not offer as much customization as other providers for Springfield, MA drivers.
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#10 – Nationwide: Best for Bundling Policies
Pros
- Available Types of Insurance: Springfield, MA, has various auto insurance options for its residents.
- Affordable Rates: Delve into our Nationwide auto insurance review to explore affordable rates for Springfield, MA drivers.
- Great Customer Service: Excellent service offered to customers has captured the market prevalence of Nationwide insurance in Springfield.
Cons
- Higher Premiums for Young Drivers: Springfield, MA, young drivers may face higher insurance premiums with Nationwide.
- Fewer Discounts: Nationwide offers fewer discounts than some competitors for Springfield drivers.
Best Auto Insurance Providers in Springfield
Regarding the best Springfield, MA, auto insurance, drivers are encouraged to compare the best service providers with reasonable rates and customized discounts to ensure good coverage and quality protection while on the road.
State Farm’s reliability and reasonable costs make it an ideal vehicle insurance cover for people who want to protect themselves completely.
Our Top 10 Company Picks: Best Springfield, MA Auto Insurance
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | B | Customer Service | State Farm | |
#2 | 25% | A+ | Bundling Discounts | Allstate | |
#3 | 10% | A+ | Competitive Rates | Progressive | |
#4 | 25% | A++ | Online Tools | Geico | |
#5 | 12% | A | High-Value Vehicles | AIG | |
#6 | 20% | A | Delivery Drivers | Farmers | |
#7 | 25% | A | Personalized Service | The Hanover | |
#8 | 13% | A++ | Claims Handling | Travelers | |
#9 | 25% | A | Customizable Coverage | Liberty Mutual | |
#10 | 20% | A+ | Bundling Policies | Nationwide |
Allstate, for instance, provides insurance bundles whereby the residents of Springfield, MA, can purchase car insurance with homeowner’s or renter’s insurance at a discount.
Progressive offers low pricing and a simple online interface, making it great for price-conscious and technology-savvy users looking for speed and low cost.
Maximizing Auto Insurance Discounts in Springfield, MA
Finding the best Springfield, MA, auto insurance involves considering the discounts available to reduce premiums while ensuring solid coverage. Many providers offer discounts for everything from safe driving to bundling policies.
Providers like AIG and State Farm offer multi-policy auto and home insurance bundling discounts. Safe drivers can earn Claims-Free or safe driving discounts, which lower premiums for accident-free records.
Good student discounts are available for young drivers, while vehicle safety feature discounts reward cars with advanced safety technology.
Springfield, MA Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$40 | $120 | |
$38 | $110 | |
$36 | $107 | |
$31 | $95 | |
$41 | $115 | |
$32 | $98 | |
$33 | $100 | |
$35 | $105 | |
$34 | $102 | |
$39 | $112 |
Multi-car discounts are another great way to save money when insuring multiple vehicles. Such discounts allow Springfield car owners to enjoy cheaper insurance without sacrificing coverage. When availed, these automobile insurance discounts enable Springfield drivers to access affordable, excellent insurance coverage that meets their needs. Such savings facilitate and make the search for the highest cover available less expensive.
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Massachusetts Auto Insurance Coverage Requirements
Searching for the best auto assurance in Springfield, MA, begins with understanding the insurance coverage required by the law. Massachusetts sets minimum insurance limits to protect drivers, and it is necessary to be aware of them to select the most suitable coverage.
Here is a brief overview of the minimum car insurance requirements imposed by the state and suggestions for minimizing auto insurance costs.
Massachussetts Auto Insurance Coverage Requirements
Auto Insurance Coverage | Coverage |
---|---|
Bodily Injury Liability | $20,000 / $40,000 |
Property Damage Liability | $5,000 |
Personal Injury Protection (PIP) | $8,000 |
Uninsured Motorist Bodily Injury | $20,000 / $40,000 |
Massachusetts auto insurance rates are often higher, but Springfield drivers have ways to bring them down. Thus, one may fully understate premiums without any quality of cover being compromised by, for example, quoting and discounts like policy bundling or clean driving records.
Springfield Auto Insurance: Driving History Impact
Your driving history significantly shapes your rates for the best Springfield, MA, auto insurance. A clean driving record could help keep your premiums low, while things like speeding tickets or accidents might cause your rates to go up.
Springfield, MA Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Collision Coverage | Comprehensive Coverage |
---|---|---|
$67 | $143 | |
$67 | $157 | |
$68 | $172 | |
$179 | $335 | |
$70 | $123 |
Major insurers such as Allstate and Encompass offer competitive pricing, but it’s always best to compare quotes to ensure you get the best deal for your needs. Use online tools to compare auto insurance companies and rates and ensure you’re getting affordable coverage. Obtaining quotes from all the major insurance providers in Springfield is essential.
Key Elements That Shape Auto Insurance in Springfield
Key factors that affect the best auto insurance in Springfield, MA, include your driving history, location, vehicle type, and coverage levels. Urban areas like Springfield tend to have higher premiums due to accident and theft risks. Age, credit score, and the kind of coverage you choose can also impact your rates.
Your ZIP Code
Key factors that affect the best auto insurance in Springfield, MA, include your driving history, location, vehicle type, and coverage levels. Urban areas like Springfield tend to have higher premiums due to accident and theft risks. Age, credit score, and the kind of coverage you choose can also impact your rates.
Springfield, MA Auto Insurance Monthly Rates by ZIP Code
City | ZIP Code | Rate |
---|---|---|
Boston | 02101 | $126 |
Cambridge | 02138 | $119 |
Lowell | 01850 | $145 |
Springfield | 01101 | $153 |
Worcester | 01601 | $179 |
To get the best price for insurance coverage in Springfield, you should know your location, insurance needs, available options, and how accidents change your car insurance rate.
Automotive Accidents
Springfield, MA, is heavily populated yet still experiences more severe automobile accidents than other cities. This results in high insurance costs, such as car insurance rates. Hence, it is necessary to look at your background information as a driver to choose the kind of cover that you want.
Springfield, MA Accidents & Claims per Year by City
City | Accidents per Year | Claims per Year |
---|---|---|
Agawam | 400 | 350 |
Chicopee | 850 | 700 |
Holyoke | 600 | $500 |
Springfield | 1,200 | $950 |
Westfield | 500 | 450 |
Likewise, the size of fatal accidents in Springfield will also impact your insurance costs because the higher the accidents, the higher the rates to cover the added risks. Our comprehensive guide, “Negotiating Your Car’s Value After An Accident, ” provides an in-depth analysis of this issue.
Auto Thefts in Springfield
This increase also affected auto insurance quotes related to vehicle theft in Springfield, MA, where car theft is rampant in the cities, significantly increasing things. For instance, in 2013, 735 were reported stolen alone, and the auto smuggling rates in Springfield remain relatively high.
State Farm is the top choice for Springfield drivers seeking reliable coverage, affordable rates, and exceptional service.
Chris Abrams Licensed Insurance Agent
Hence, it will be wise to consider comprehensive prime cover. If your vehicle is at higher risk for theft, extensive coverage, and an anti-theft device discount can provide added protection and help reduce potential costs.
Your Credit Score
In Springfield, MA, getting the best car insurance rates is in no way impacted by your credit score because the law in Massachusetts forbids insurers from using credit scores to calculate premiums. Unlike other states, where a good credit score is considered an advantage and leads to low rates, while poor credit results in high rates,
Springfield drivers’ car insurance is unaffected by their credit rating histories, which helps locals easily find low-cost car insurance without fearing their credit scores affect their rates. For detailed information, refer to our comprehensive report titled “How does an auto insurance company determine my premium?”
Your Age
In Springfield, MA, younger drivers, especially teens, face higher auto insurance rates due to accident risk, with premiums up to 300% higher than those for older drivers.
Springfield, MA Auto Insurance Rates by Age
Insurance Company | 17 Years Old | 34 Years Old |
---|---|---|
$572 | $179 | |
$253 | $67 | |
$210 | $67 | |
$291 | $68 | |
$370 | $70 |
Providers like Liberty Mutual and Allstate offer more competitive rates for experienced drivers, while car insurance for teenagers can cost around $500 per month. Comparing options is critical to finding the best Springfield, MA, auto insurance rates by age.
Your Driving Record
Car insurance is cheaper for male drivers, especially in Springfield, Massachusetts, and it also depends on their driving record. Many firms, including Liberty Mutual and Allstate, offer forgive-and-forget policies to help within reasonable limits, especially for minor offenses, to avoid raising rates.
Springfield, MA Auto Insurance Monthly Rates by Provider & Driving Record
Insurance Company | Clean Record | One Ticket | One DUI | One Accident |
---|---|---|---|---|
$179 | $212 | Not listed | $299 | |
$67 | $74 | $154 | Not listed | |
$67 | $81 | $141 | Not listed | |
$68 | $120 | $112 | $232 |
Nevertheless, driving violations such as DUI or reckless driving attract exorbitant premiums or even require high-risk insurance. For the best Springfield, MA auto insurance, drivers with clean records benefit most, with premiums averaging as low as $67, while rates of severe offenses can exceed $200 monthly.
Your Vehicle
In Springfield, MA, auto insurance rates vary according to the vehicle one drives. Luxury cars, supercars, and sports cars have high premiums because they provide expensive services and are more likely to be stolen, making comprehensive coverage sensible.
Discounts may also be available for newer cars whose crash protection features or ratings are above a certain threshold, while older vehicles without such features may suffer high premiums. Also, those doped-up cars that are easy to steal would increase the price. Thus, extra measures like employing anti-theft gadgets or full coverage may be helpful.
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Hidden Factors Influencing Auto Insurance in Springfield
Your Marital Status
Marital status can help lower premiums for the best auto insurance in Springfield, MA. Married couples often benefit from discounted rates by bundling policies with the same insurer, and they can save even more by combining auto insurance with homeowners or rental coverage auto insurance.
This bundling approach reduces costs and simplifies managing multiple insurance policies under one provider, making it a popular choice among Springfield residents.
Your Gender
Recently, Gender has had minimal impact on the rates charged when looking for auto insurance in Springfield, Massachusetts. Most carriers regard their pricing as gender-neutral, with any differences usually being no more than two percent.
This development trend enables drivers to consider auto insurance coverage options and discounts rather than personal characteristics while looking for the best policy.
Your Driving Distance to Work
Your driving distance to work can influence your rates for the best Springfield, MA, auto insurance. On average, Springfield residents commute 15-20 minutes, most driving alone.
While reducing your annual mileage can lower gas costs and accident risk, it typically won’t significantly impact your premium—savings are usually just 2-3%.
Yet, you must only categorize your car as something other than a business car because doing so can easily result in an almost 10% hike in your rates. Otherwise, please check our detailed “Average Auto Insurance Cost” handbook for more information.
Education in Springfield, MA
The rates offered by auto insurance companies in Springfield, MA, will also depend on the level of education attained by the individual. Springfield residents with an education above secondary school can often get lower premiums.
Education can also help lower car insurance costs for Springfield residents, as this city is located within the so-called “Knowledge Corridor,” which has numerous educational institutions, including Cambridge College.
To learn more, explore our comprehensive insurance resource, “Cheap Auto Insurance Rates for Professors with College Degrees.”
Finding the Best Auto Insurance in Springfield, MA
Springfield drivers must also evaluate various factors apart from rates when determining the best auto insurance possible. State Farm, Allstate, and Progressive have taken center stage, and for excellent reasons: they offer low rates with exceptional service.
You can reduce the rates by taking advantage of various car insurance discounts, bundling multiple policies, maintaining a good driving record, owning a vehicle with better safety features, and taking advantage of other available discounts. Although Massachusetts requires specific coverage, local factors such as traffic and theft rates can impact premiums. It’s essential to compare quotes from various insurers and choose a plan that fits your budget and coverage needs.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Frequently Asked Questions
How much is car insurance in Springfield, MA?
Car insurance in Springfield, MA, starts as low as $31 per month for minimum coverage, depending on factors like driving history, vehicle type, and coverage levels.
What are the top 3 types of insurance in Springfield, MA?
The top types are auto insurance, home insurance, and health insurance, providing essential coverage for residents.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
Can someone without insurance drive my car in Springfield?
In Springfield, MA, your car insurance typically covers the vehicle, not the driver, so someone without insurance can drive your car if they have your permission. To delve deeper, refer to our in-depth report titled “Can you get auto insurance without a license?“
At what age in Springfield is car insurance cheapest?
Car insurance in Springfield, MA, becomes significantly cheaper around age 25 as drivers gain more experience and are considered lower risk.
Are car insurance rates going up in Massachusetts?
Yes, car insurance rates in Massachusetts, including Springfield, are trending upward due to increased accident claims and higher repair costs.
What type of auto insurance is required in Massachusetts?
Massachusetts law requires drivers to carry bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage.
Do you register or insure a car first in Massachusetts?
In Massachusetts, you must insure your car first before registering it. Proof of insurance is required during the registration process.
Who insures the most cars in Springfield, MA?
State Farm insures the most cars in Springfield, MA, due to its affordable rates and comprehensive coverage options.
Can a non-resident register a car in Springfield?
Non-residents can register a car in Springfield, MA, if they meet specific residency or work requirements and have the necessary documentation.
Can I drive my out-of-state car in Springfield, MA?
You can drive your out-of-state car in Springfield, MA, but if you become a resident, you must register and insure the car in Massachusetts. To gain profound insights, consult our extensive guide titled “Auto Insurance Rates by State”
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.