Springfield, MA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Springfield.
How much does car insurance cost in Springfield?
Auto insurance costs an average of $1,009 for six months in Springfield. That's more than the average across Massachusetts ($731) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Springfield. Read on to learn more!
| Car insurance in Springfield vs. Massachusetts | Average 6 Mo. Premium |
|---|---|
| Springfield average | $1,009 |
| Massachusetts average | $731 |
The Zebra's key takeaways about car insurance in Springfield:
- The average cost of a car insurance policy in Springfield is $1,009 per six-month policy — $168 per month.
- The cheapest company in Springfield is Plymouth Rock ($704).
- 37% of Zebra customers in Springfield stated they used our product because they were paying too much for car insurance with their current provider.sdxxzzzzzzzzzzfgdcvvvvvvvvvvvvvv
Are you paying too much for auto insurance?
Springfield car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. In Springfield, Plymouth Rock offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Springfield. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Plymouth Rock | $704 |
| Safety | $746 |
| GEICO | $780 |
| Arbella | $984 |
| Metropolitan | $1,101 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Springfield.
Springfield auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 36% of Springfield drivers. Springfield drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $857 per six-month policy, on average. Drivers in their 50s pay marginally higher rates — $900 per year.
Teenage drivers pay Springfield's most expensive car insurance rates. When Springfield drivers hit their 20s, their insurance rates drop substantially. In Springfield, teenage drivers pay $6,209 — a full $4,408 more than drivers in their 20s, the second-most expensive rate paid by an age group.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teens | $3,104 |
| 20s | $1,282 |
| 30s | $983 |
| 40s | $950 |
| 50s | $900 |
| 60s | $857 |
| 70s | $909 |
Springfield car insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Springfield drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Springfield, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year. Our data tells us 61% of drivers in Springfield have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,009 |
| Fair | $1,009 |
| Good | $1,009 |
| Very Good | $1,009 |
| Exceptional | $1,009 |
Springfield car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Springfield, a reckless driving citation results in an average insurance rate increase of $1,733 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,569 increase, and a speeding ticket triggers a $626 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,794 |
| Reckless Driving | $1,876 |
| At-fault Accident (damages less than $1,000) | $1,219 |
| At-fault Accident (damages greater than $2,000) | $1,700 |
| Speeding Ticket (16-20 mph over speed limit) | $1,322 |
Compare over 100 insurance companies at once!
Related Content
- Cambridge, MA Car Insurance
- Car Insurance in Boston, MA
- Brockton, MA Car Insurance
- Lowell, MA Car Insurance
- Worcester, MA Car Insurance
- Car Insurance with a DUI in Massachusetts
- Massachusetts Car Insurance Laws
- Car Insurance for High-Risk Drivers in Massachusetts
- Temporary Car Insurance in Massachusetts
- Average Cost of Auto Insurance in Massachusetts
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.