Cheapest Car Insurance Quotes in Chicopee

Finding the cheapest car insurance quotes in Chicopee shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

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 $1731 for a six-month policy, which is $199 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

$1731

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

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: Safety

Safety offers auto insurance rates at $751 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, Amica Mutual is the most expensive, with rates reaching $5612 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
Safety	$751	$125
American Family	$845	$142
Hanover	$933	$157
Arbella	$947	$160
State Farm	$1027	$173
Norfolk & Dedham	$1128	$192
Farmers	$1188	$198
Norfolk & Dedham Mutl Fire Ins	$1194	$203
Travelers	$1336	$223
Plymouth Rock	$1550	$261
Progressive	$2255	$380
USAA	$3014	$507
Allstate	$4840	$815
Amica Mutual	$5612	$954

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 $871 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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. Allstate is the most expensive at $516 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
Hanover	$228	$38
Plymouth Rock	$249	$42
Amica Mutual	$269	$45
Chubb	$269	$45
USAA	$288	$49
Norfolk & Dedham Mutl Fire Ins	$295	$50
Farmers	$308	$52
Safety	$322	$54
Norfolk & Dedham	$329	$55
The Hanover	$329	$55
Amica	$336	$56
Arbella	$349	$60
Travelers	$370	$62
Progressive	$497	$84
Allstate	$516	$86

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
Safety	$751	$125
American Family	$845	$142
Hanover	$933	$157
Arbella	$947	$160
State Farm	$1027	$173
Norfolk & Dedham	$1128	$192
Farmers	$1188	$198
Norfolk & Dedham Mutl Fire Ins	$1194	$203
Travelers	$1336	$223
Plymouth Rock	$1550	$261
Progressive	$2255	$380
USAA	$3014	$507
Allstate	$4840	$815
Amica Mutual	$5612	$954

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Chicopee Instantly!

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	$406
30s	State Farm	$328
40s	State Farm	$328
50s	State Farm	$328
60s	State Farm	$289
70s	State Farm	$250

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	$60
State Farm	$504	$85
Plymouth Rock	$806	$136
USAA	$1235	$208
Amica Mutual	$2739	$466
Progressive	$3450	$575
Allstate	$5121	$871

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 $406 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 $2309.

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	$617	$104
Arbella	$772	$130
Safety	$812	$137
USAA	$940	$158
Travelers	$1249	$210
Hanover	$1269	$214
Progressive	$1429	$241
Amica Mutual	$1497	$254
Farmers	$2188	$365
Allstate	$2309	$392

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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $2866 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	$745	$125
Progressive	$819	$138
Hanover	$1041	$175
Arbella	$1128	$190
USAA	$1598	$269
Safety	$1671	$284
Amica Mutual	$1954	$325
Travelers	$2048	$348
Farmers	$2537	$423
Allstate	$2866	$487

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 $1765 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	$664	$112
Safety	$940	$159
Arbella	$947	$158
USAA	$973	$165
Hanover	$1162	$195
Progressive	$1242	$211
Farmers	$1497	$250
Travelers	$1765	$301

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 dipped by $246 in December compared to $251 of November. In other words, there has been an decrease by $5 when you compare December and November.

The average cost of liability insurance in the Chicopee rose to $49 in December, compared to $47 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

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 $1532 for a six-month policy. It will cost around $292 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: Safety

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)

Featured Blogs

Data Sources