Cheapest car insurance companies in Worcester
State Farm and Plymouth Rock Assurance offer the cheapest car insurance rates in Worcester for 2023, according to a study by Insurance.com.
The car insurance company in Worcester that provides the cheapest car insurance premiums is State Farm, with an average annual rate of $999 .
Car insurance costs may vary in Worcester based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Worcester.
| Companies | Average annual rates |
|---|---|
| State Farm | $999 |
| Plymouth Rock Assurance | $1,595 |
| Arbella Insurance | $1,669 |
| Geico | $1,750 |
| USAA | $1,857 |
| Safety Insurance | $1,985 |
| Farmers | $2,472 |
| Travelers | $2,642 |
| Progressive | $2,722 |
| Amica Mutual | $2,851 |
| Allstate | $3,633 |
Cheapest car insurance cost in Worcester by Age Group
The cheapest auto insurance company in Worcester for teen drivers is State Farm. For full coverage, its average annual rate for Worcester drivers is $2,697. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Among the carriers analyzed, State Farm is the cheapest car insurance option for young drivers in Worcester, at $1,304 a year for a full coverage policy.
As Worcester drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. State Farm stands out as the cheapest car insurance option for adult drivers, with an annual premium of $999.
State Farm tops the list in terms of affordability for senior drivers in Worcester. With an average annual premium of $757, State Farm offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| State Farm | $2,697 | $1,304 | $999 | $757 |
| Plymouth Rock Assurance | $4,491 | $2,489 | $1,614 | $1,650 |
| Geico | $4,644 | $2,401 | $1,718 | $1,274 |
| Arbella Insurance | $5,268 | $2,318 | $1,678 | $1,306 |
| Travelers | $5,557 | $3,806 | $2,570 | $2,392 |
| USAA | $5,594 | $2,751 | $1,902 | $1,515 |
| Amica Mutual | $7,088 | $3,987 | $2,927 | $2,948 |
| Safety Insurance | $7,456 | $2,947 | $1,990 | $1,748 |
| Farmers | $7,629 | $3,760 | $2,527 | $2,110 |
| Progressive | $9,708 | $5,533 | $2,774 | $2,663 |
| Allstate | $11,558 | $4,743 | $3,765 | $2,726 |
Cheapest car insurance companies in Worcester by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Worcester. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
To find the cheapest car insurance company in Worcester, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
In Worcester, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Worcester. It provides full coverage car insurance for drivers aged 30 at about $1,136 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,136 |
| USAA | $1,846 |
| Geico | $1,944 |
| Progressive | $2,953 |
| Allstate | $3,213 |
| Travelers | $3,792 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Worcester is $1,519. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,519 |
| USAA | $2,476 |
| Geico | $2,582 |
| Progressive | $3,741 |
| Travelers | $4,405 |
| Allstate | $5,066 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Worcester drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $2,037, on average.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $2,037 |
| Progressive | $3,351 |
| Geico | $3,378 |
| USAA | $4,588 |
| Travelers | $4,641 |
| Allstate | $7,141 |
Average car insurance cost in Worcester
Full coverage car insurance in Worcester for a coverage limit of 100/300/100 is $2,198 per year or $183 per month, while the state minimum coverage costs an average of $645 a year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,198 | $645 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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