Best Cheap Auto Insurance in Springfield, Massachusetts (2025)

The average car insurance policy in Springfield, Massachusetts, costs $100 per month, which is comparable to the average Massachusetts rate of $118.

Springfield is the third-largest city in Massachusetts, with a dense population of drivers. In 2021, Springfield had some of the highest fatal accident rates in the Bay State,1 which may have an effect on the cost of car insurance.

However, car insurance rates depend on a variety of personal and policy-related factors. You might pay more or less than Springfield’s average based on your situation.

Best car insurance companies in Springfield

Springfield drivers have many options for auto insurance, but each company has pros and cons. The best car insurance company for you will depend on your individual situation and unique coverage needs. Here are a few of the best car insurance companies in Springfield.

Best insurer for cheap rates: GEICO

Best insurer for coverage options: Amica

Best insurer for discounts: Travelers

Cheapest liability-only car insurance in Springfield

Liability-only car insurance is the minimum amount of car insurance the state requires. In Springfield, liability-only car insurance includes bodily injury and property damage liability insurance, personal injury protection (PIP), and uninsured motorist bodily injury liability insurance.2

A minimum-coverage policy is the cheapest car insurance you can get. However, the cost of liability-only car insurance will depend on several factors, including your insurer. In the Commonwealth of Massachusetts, drivers pay a monthly average of $94 for liability coverage.

These companies have the cheapest liability-only insurance in Springfield.

Cheapest full-coverage car insurance in Springfield

Full-coverage car insurance provides higher levels of protection than a minimum-coverage policy. In addition to liability and PIP, it includes collision and comprehensive insurance, which pay for your vehicle’s repairs after an at-fault accident, a hit-and-run, and non-collision damage, such as hail, floods, fire, and theft.

For some drivers in Springfield, full coverage is optional. But if you lease or finance your vehicle, your lender will probably require you to have full coverage. If you own your vehicle outright, having full coverage can still be beneficial. Without it, you’ll pay for most car repairs out of pocket.

On average, Massachusetts drivers pay $141 per month for full coverage. In the table below, you can see which car insurance companies in Springfield have the cheapest full-coverage insurance quotes.

Car insurance requirements in Massachusetts

Car insurance is a legal requirement for all vehicle owners in Massachusetts. Because Massachusetts is a choice no-fault state, you must carry PIP, which covers your medical bills after an accident, regardless of which driver was responsible.

Additionally, you must carry a minimum amount of liability insurance and uninsured motorist bodily injury liability coverage.2

In addition to the minimum coverage requirements, many drivers can also benefit from optional policies. Here are some car insurance endorsements that you might consider adding for extra protection:

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record typically pay higher rates than drivers with a clean record. Violations like speeding tickets, at-fault accidents, and driving under the influence can all cause your premium to increase.

If you have incidents on your record, shopping around can potentially help you find a more affordable insurance policy.

Cheapest car insurance for drivers with a speeding ticket

If you get pulled over for speeding, most Springfield car insurance companies will raise your premium. You won’t see the rate increase until your policy renews, which is when your insurance company re-examines your driving record.

The rate increase after a speeding ticket may depend on a few things, like your insurance company, the severity of the incident, and your driving record. In Massachusetts, drivers with a speeding ticket pay a monthly average of $126 for liability-only insurance and $189 for full coverage. In the table below, you can see which Springfield insurance companies are the cheapest for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident

In most cases, causing an accident will affect your car insurance premium. When your policy renews, your insurance company will recalculate your rate depending on the damages and your previous accident history. If you have accident forgiveness, you might avoid the rate hike, but the accident will still appear on your driving record.

An at-fault accident can raise full coverage rates to a monthly average of $202 for Bay State drivers, versus $141 for drivers with a clean record. These companies have the cheapest car insurance in Springfield for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI

Driving under the influence is one of the most serious traffic violations you can have on your record. If you get convicted of a DUI, you can expect your car insurance premium to increase significantly. Some Springfield insurance companies might even terminate your policy or refuse to renew your policy at the end of the coverage period.4

While drivers with a DUI often pay the highest car insurance rates, the rate increase after a DUI conviction will depend partly on your insurance company. On average, Massachusetts drivers with a DUI have an overall monthly insurance rate of $188. 

The companies below have the cheapest monthly quotes for Springfield drivers with a DUI, based on Insurify rate data.

Cheapest car insurance for seniors

Age is one of the factors that affect the cost of car insurance. Senior drivers pay higher rates than middle-aged drivers, on average. In most cases, car insurance rates decrease around age 35 and increase around age 75. Shopping around for new car insurance quotes before age 75 could help you lock in the best rates.

Senior drivers in Massachusetts pay an overall average of $91 per month for car insurance. In the table below, you can see which car insurance companies have the cheapest monthly quotes for seniors in Springfield.

Cheapest car insurance for teens

Car insurance premiums are generally the highest for teenagers. Young drivers who are newly licensed have higher accident rates than older drivers and are more likely to make critical driving errors that lead to serious crashes.5

To reduce your car insurance rate, many insurance companies offer discounts for good students and insuring a vehicle with certain safety features. Young adults can also save money on car insurance by staying insured on their parents’ policies.

Massachusetts teens pay, on average, $195 for full coverage and $130 for liability-only insurance. These companies have the cheapest car insurance for teen drivers.

How to get the cheapest car insurance in Springfield

Springfield car insurance rates are different for every person, depending on age, driving record, insurance company, and other factors. But you have a variety of ways to reduce your premium and get cheap car insurance in Springfield:6

• Choose higher deductibles. For policies that require a deductible, like collision insurance, choosing a higher deductible will result in a lower monthly premium. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.

• Bundle your policies. Most insurance companies will give you a discount for bundling two policies, like car insurance and homeowners insurance.

• Maintain a clean driving record. People with good driving records usually pay the cheapest rates. Avoiding tickets, accidents, and insurance claims will help you maintain a low rate.

• Compare quotes. Car insurance companies charge different rates for the same coverage types and limits. Comparing quotes from a few insurers will help you find the lowest rate for your situation.

Is car insurance more expensive in Springfield?

Drivers in Springfield pay less than the average American for car insurance. In the U.S., the average full-coverage policy costs $172 per month and the average liability-only policy costs $106. To compare, the average rates in Springfield are $111 per month for full coverage and $89 per month for liability-only coverage.

More cities in Massachusetts

Your location has a big influence on the cost of your car insurance policy. Factors like population density, the number of uninsured drivers, accident rates, and vehicle theft rates can all affect car insurance prices in different ZIP codes.

For example, the average cost of car insurance in Somerville is 26% lower than the average rate in Springfield. On the other hand, drivers in Worcester pay 21% more for car insurance than drivers in Springfield.

Below, you can see the average car insurance quotes in some other Massachusetts cities and how they compare to Springfield.

Springfield car insurance FAQs