Best Cheap Auto Insurance in Worcester, Massachusetts (2025)

Located in central Massachusetts between Boston and Springfield, the city of Worcester is known as the Heart of the Commonwealth. In this second-largest city in the state behind Boston, drivers pay nearly 22% more for car insurance than the Massachusetts average. This could be due in part to its population density.

The average monthly cost of car insurance in Worcester is $92 for liability-only coverage and $134 for full coverage. But car insurance premiums depend on many factors, like your age, claim history, and driving record. Here’s what you should know about finding cheap car insurance in Worcester, Massachusetts.

Best car insurance companies in Worcester

Many car insurance companies cover drivers in Worcester. Each insurer has pros and cons, and the best one for you will depend on your personal needs. Here are some of the top car insurance companies in Worcester for different driver types.

Best insurer for cheap rates: GEICO

Best insurer for discounts: Travelers

Best insurer for coverage options: Amica

Cheapest liability-only car insurance in Worcester

Liability insurance is legally required for all vehicle owners in Worcester. It covers your legal and financial responsibilities if you cause an accident that results in someone else’s injuries or property damage. Liability-only insurance is the most affordable type of car insurance you can get, but it also offers the least amount of coverage.

In the table below, you can see which car insurance companies in Worcester have the cheapest liability-only insurance quotes:

Cheapest full-coverage car insurance in Worcester

Full-coverage car insurance offers more protection than liability-only insurance. A standard full-coverage policy includes collision and comprehensive insurance, which provide physical damage coverage for your vehicle. It also includes liability insurance and medical payments coverage.

Full coverage is optional for most drivers. However, your lender will often require it if you lease or finance your car. Even if you own your vehicle outright, having full coverage is still beneficial. A minimum-coverage policy doesn’t provide any coverage for theft or physical damage, so you’d have to pay out of pocket to fix your car after an at-fault accident.

These companies have the cheapest full-coverage car insurance in Worcester:

Car insurance requirements in Massachusetts

Car insurance is a legal requirement in Massachusetts. Vehicle owners are required to carry a minimum amount of bodily injury and property damage liability insurance, as well as uninsured motorist bodily injury liability insurance.1

To meet Massachusetts’ no-fault insurance laws, drivers must also carry personal injury protection (PIP). In a no-fault state, your insurance company automatically covers your medical bills after an accident, regardless of which driver caused the crash.

In addition to these coverages, most insurance companies also sell endorsements that can fill gaps in your basic policy. Here are some of the optional coverage you might want to get:

Massachusetts Auto Insurance Plan (MAIP)

If you can’t qualify for auto insurance on your own due to your driving record or another issue, you can enroll in the Massachusetts Auto Insurance Plan (MAIP) to get coverage. An agent can help you get a policy from a participating insurer.2 But keep in mind that insurance prices through the MAIP are more expensive than standard policies.

Cheapest car insurance for drivers with an incident

Having an incident on your driving record, like speeding tickets or at-fault accidents, will affect your car insurance rates. The exact rate increase will depend on several factors, like your insurance company and the specific violation. For example, driving under the influence usually has a much bigger effect on your rate than a speeding ticket.

Cheapest car insurance for drivers with a speeding ticket

Getting pulled over for speeding might seem like a minor offense, but it can cause your car insurance premium to go up. Most car insurance companies increase rates only slightly after a speeding ticket. However, you could see a more significant rate increase, depending on your insurer and other violations on your record.

The table below outlines the cheapest car insurance companies in Worcester for drivers with a speeding ticket:

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, your car insurance rate will almost certainly increase. Your new rate will depend on several factors, like your insurance company, the severity of the accident, and your history of past collisions. If you get into an accident, shopping around for car insurance quotes could help you find a more affordable policy.

Below, you can see which Worcester car insurance companies are the cheapest for drivers with an at-fault accident on their record:

Cheapest car insurance for drivers with a DUI

A DUI conviction is one of the most serious violations you can have on your record. If you get pulled over for driving under the influence, you can expect your car insurance rate to increase significantly. But as with all driving incidents, the cost of your car insurance policy after a DUI will ultimately depend on your insurance company.

These companies have the cheapest car insurance for Worcester drivers with a DUI conviction, based on Insurify data:

Cheapest car insurance for seniors

Senior drivers often pay higher car insurance rates than middle-aged adults. Car insurance rates decrease around age 35 and increase around age 75, according to Insurify data. Statistics show that drivers older than 70 have a higher fatal crash rate per mile traveled compared to middle-aged drivers.3 However, car insurance rates for seniors vary based on the insurance company.

In the table below, you can see which car insurance companies in Worcester have the most affordable monthly quotes for senior drivers:

Cheapest car insurance for teens

Teen drivers typically pay the highest car insurance rates. Young drivers have a much higher accident rate than older, more experienced drivers, and they’re more likely to make driving errors that can cause serious collisions.4

But young drivers still have ways to get affordable car insurance in Worcester. For example, many insurers offer discounts for good students and insuring a vehicle with safety features. Teens can also get cheaper insurance by staying on their parents’ car insurance policy.

These companies have the cheapest monthly rates for teen drivers in Worcester, based on Insurify’s evaluation of recent rate data:

How to get the cheapest car insurance in Worcester

You have a variety of ways to get more affordable car insurance in Worcester. Here are a few tips for saving money on your policy:5

• Bundle your policies. Most car insurance companies offer a discount to drivers who purchase their car insurance with other insurance products, like home insurance or renters insurance.

• Take a defensive driving course. Many insurers provide savings for drivers who complete an approved defensive driving course.

• Choose higher deductibles. Choosing high deductibles for policies like collision and comprehensive insurance will result in a lower monthly premium. Just make sure your deductible isn’t so high that you can’t afford to pay it out of pocket if you need to file a claim.

• Pay in full. You can typically save some money on your car insurance if you pay the annual premium up front and in full.

• Maintain a clean record. Drivers who maintain a clean record every year usually pay the lowest insurance rates. Many insurers also offer a discount to customers with no recent accidents or tickets on their record.

Is car insurance more expensive in Worcester?

Worcester drivers pay less for car insurance than the average American. The national average car insurance premium is $172 for full coverage and $106 for liability-only coverage. To compare, the average rate in Worcester is $134 for full coverage and $92 for minimum coverage.

Your specific car insurance rate will depend on factors besides your location, like your age, driving record, and vehicle type.

More cities in Massachusetts

Car insurance rates vary based on your city and ZIP code. However, Worcester has more expensive car insurance than many other large cities in Massachusetts. For example, the average in Somerville is almost 40% cheaper than the average rate in Worcester. Below, you can see the average full-coverage car insurance quotes in other Massachusetts cities and how they compare to Worcester’s average full-coverage quote.