Cheapest Car Insurance Quotes in Chicopee

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Chicopee Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Chicopee

The car insurance rate in Chicopee is $1702 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $504, making it a popular choice for budget-conscious drivers. Rates in Chicopee can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Chicopee

$1702

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Chicopee

1st place: Safety Group

At $504 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $591 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $845 for six months, making it the third cheapest auto insurance company in Chicopee.

Chicopee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chicopee, MA is Safety Group, offering policies at just $504 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $591.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1194 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chicopee drivers find the best deals.

Cheap Car Insurance Companies in Chicopee, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$504	$84
Vermont Mutual	$591	$101
American Family	$845	$142
Hanover	$1007	$169
State Farm	$1027	$173
Safety	$1034	$176
Arbella	$1094	$182
Norfolk & Dedham	$1128	$192
Norfolk and Dedham Mutual Fire Insurance Company	$1194	$199
Farmers	$1336	$227
Travelers	$1557	$260
Plymouth Rock	$1577	$266
Progressive	$2295	$386
USAA	$3075	$518
Allstate	$3873	$652
Amica Mutual	$5612	$954
Norfolk & Dedham Mutl Fire Ins	$1194	$203

Key Takeaways

Way's key takeaways about car insurance in Chicopee

The auto insurance costs in Chicopee fall around $504 for six months.
The cheapest auto insurance company in Chicopee is State Farm.
Teen drivers pay the highest rate in Chicopee at $853 per month.

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Cheapest Minimum Liability Car Insurance in Chicopee

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Chicopee are given below.

State Farm provides the cheapest minimum car insurance coverage in Chicopee. Their Average 6 Month Premium is $114. Norfolk & Dedham Mutl Fire Ins is the most expensive at $295 for the same period.

Cheapest Liability Coverage in Chicopee, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$114	$19
Safety Group	$162	$27
Vermont Mutual	$168	$28
American Family	$201	$34
Amica Mutual	$269	$45
Chubb	$269	$45
Plymouth Rock	$269	$45
Norfolk and Dedham Mutual Fire Insurance Company	$295	$50
USAA	$315	$53
Hanover	$322	$54
Norfolk & Dedham	$329	$55
The Hanover	$329	$55
Amica	$336	$56
Farmers	$349	$60
Safety	$395	$67
Travelers	$436	$73
Arbella	$450	$75
Progressive	$544	$92
Allstate	$698	$118
Norfolk & Dedham Mutl Fire Ins	$295	$50

Cheapest Full Coverage Car Insurance in Chicopee

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Chicopee is Safety Group at $84 per month and $504 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chicopee, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$504	$84
Vermont Mutual	$591	$101
American Family	$845	$142
Hanover	$1007	$169
State Farm	$1027	$173
Safety	$1034	$176
Arbella	$1094	$182
Norfolk & Dedham	$1128	$192
Norfolk and Dedham Mutual Fire Insurance Company	$1194	$199
Farmers	$1336	$227
Travelers	$1557	$260
Plymouth Rock	$1577	$266
Progressive	$2295	$386
USAA	$3075	$518
Allstate	$3873	$652
Amica Mutual	$5612	$954
Norfolk & Dedham Mutl Fire Ins	$1194	$203

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Average Car Insurance in Chicopee by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Chicopee, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Chicopee, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Chicopee's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chicopee

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$412
30s	State Farm	$333
40s	State Farm	$333
50s	State Farm	$333
60s	State Farm	$294
70s	State Farm	$254

Cheapest Car Insurance Rates for Teen Drivers in Chicopee,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Chicopee at $29 per month. At $5121 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$174	$29
Vermont Mutual	$188	$32
Hanover	$215	$36
American Family	$235	$40
Safety	$302	$51
Farmers	$349	$58
State Farm	$504	$85
Plymouth Rock	$806	$136
USAA	$1235	$208
Amica Mutual	$2739	$457
Progressive	$3450	$586
Allstate	$5121	$853

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Chicopee.

As young drivers face the highest rates in Chicopee, State Farm offers the cheapest auto insurance rates at $412 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Chicopee.

Car Insurance Rates with An Accident in Chicopee

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Chicopee, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chicopee

The cheapest car insurance companies after an at-fault accident in Chicopee include American Family and Safety Group, offering $276 and $308, respectively. Allstate is an expensive provider with an average six-month premium of $2752.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$276	$46
Safety Group	$308	$52
Vermont Mutual	$315	$53
State Farm	$336	$56
Norfolk & Dedham	$530	$88
The Hanover	$571	$97
Plymouth Rock	$644	$108
Arbella	$859	$145
USAA	$1007	$169
Safety	$1067	$180
Hanover	$1402	$236
Travelers	$1443	$243
Amica Mutual	$1497	$250
Progressive	$1557	$262
Farmers	$2463	$410
Allstate	$2752	$463

Chicopee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chicopee MA. For example, the car insurance in Chicopee after a DUI increases to $839 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Chicopee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$893	$149
One Med/PIP claim	$893	$151
Not-at-fault accident	$920	$154
One comp claim	$920	$156
Two Med/PIP claims	$920	$154
Two comp claims	$953	$162
At-fault accident - less than $1000	$986	$165
Child safety restraint	$1020	$174
Driving without lights	$1020	$169
Failure to wear a seat belt	$1034	$176
Cell phone violation	$1107	$184
Texting while driving	$1107	$189
Driving too slowly	$1114	$185
Failure to stop at a red light	$1114	$190
Failure to yield	$1114	$185
Following too closely	$1114	$190
Illegal turn	$1114	$185
Improper passing	$1114	$190
Speeding 11 - 15 MPH over limit	$1114	$185
Speeding 16 - 20 MPH over limit	$1114	$190
Speeding 6 - 10 MPH over limit	$1114	$185
Speeding in school zone	$1114	$190
Wrong way/wrong lane	$1114	$185
In 65 MPH zone	$1121	$191
Speeding 21 - 25 MPH over limit	$1121	$186
Operating a vehicle without permission	$1128	$192
Passing school bus	$1175	$195
At-fault accident - $1000-$2000	$1383	$235
Failure to show documents	$1409	$235
At-fault accident - greater than $2000	$1416	$241
Driving with expired registration	$1423	$237
Open container	$1504	$255
Reckless driving	$1624	$271
Refusal to submit to a chemical test	$1658	$281
Driving with a suspended license	$1726	$287
Racing	$1726	$294
DUI	$1732	$288
Leaving scene of an accident/hit and run	$1751	$298

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Chicopee after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Chicopee.

The cheapest car insurance premiums in Chicopee are offered by American Family at $336 for a six-month policy. However, it can be as expensive as $3410 with companies like Allstate.

Chicopee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$336	$56
Safety Group	$370	$63
Vermont Mutual	$383	$63
State Farm	$409	$69
Plymouth Rock	$799	$134
Progressive	$866	$146
Hanover	$1155	$194
Arbella	$1255	$211
USAA	$1712	$288
Amica Mutual	$1954	$332
Travelers	$2409	$401
Safety	$2491	$424
Farmers	$2859	$477
Allstate	$3410	$574

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Chicopee are offered by State Farm at $148. However, it can be as expensive as $2061 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Chicopee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$148	$25
Safety Group	$194	$33
Vermont Mutual	$221	$37
American Family	$276	$46
Plymouth Rock	$765	$129
Arbella	$1094	$186
USAA	$1121	$186
Hanover	$1288	$217
Safety	$1349	$225
Progressive	$1457	$247
Farmers	$1685	$280
Allstate	$1940	$330
Travelers	$2061	$344

Car Insurance Price Trends in Chicopee, Massachusetts

Car insurance rates in Chicopee have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Chicopee rose by $260 in February compared to $246 of January. In other words, there has been an increase by $14 when you compare February and January.

The average cost of liability insurance in the Chicopee rose to $56 in February, compared to $49 in January. This represents an increase of $7 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Chicopee?

The car insurance in Chicopee is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Chicopee?

The cheapest car insurance in Chicopee is $84 per month for full coverage.

How much is car insurance in Chicopee for teenagers?

Car insurance for teenagers costs $174 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Chicopee?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $287 per month to insure your car in Chicopee.

Is car insurance expensive in Chicopee?

Car insurance can be expensive in Chicopee if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Chicopee can be affordable.

Cheapest Car Insurance Quotes in Chicopee

Why you can trust Way?

How Much Is Car Insurance in Chicopee

Avg. Car Insurance in Chicopee

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Chicopee

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Chicopee Car Insurance Rates by Company

Cheap Car Insurance Companies in Chicopee, MA

Way's key takeaways about car insurance in Chicopee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chicopee

Cheapest Liability Coverage in Chicopee, MA

Cheapest Full Coverage Car Insurance in Chicopee

Cheapest Full Coverage Car Insurance Quotes in Chicopee, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chicopee by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Chicopee, MA increasing?

Car Insurance Premiums by Age in Chicopee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chicopee,MA

If you are in your twenties State Farm is the best choice for car insurance in Chicopee.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Chicopee

Cheapest Car Insurance Companies after an At-Fault Accident in Chicopee

Chicopee Car Insurance Rates by Violation

Chicopee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chicopee after a DUI

Chicopee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chicopee after Speeding ticket

Car Insurance Price Trends in Chicopee, Massachusetts

Average Car Insurance Cost in Chicopee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chicopee, MA

Car Insurance Rates by State in the USA (2025 Update)

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