Cheapest Car Insurance Quotes in Springfield

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Springfield Car Insurance

^$ 24

/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 Springfield

The car insurance rate in Springfield is $2141 for a six-month policy, which is $633 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $633, making it a popular choice for budget-conscious drivers. Rates in Springfield 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 Springfield

$2141

Avg. Car Insurance in Massachusetts

$1508

National Average

$1278

Cheapest Car Insurance Companies in Springfield

1st place: Safety Group

At $633 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 $743 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 $1062 for six months, making it the third cheapest auto insurance company in Springfield.

Springfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Springfield, MA is Safety Group, offering policies at just $633 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $743.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1501 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Springfield drivers find the best deals.

Cheap Car Insurance Companies in Springfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$633	$105
Vermont Mutual	$743	$126
American Family	$1062	$179
Hanover	$1265	$213
State Farm	$1291	$217
Safety	$1299	$222
Arbella	$1375	$229
Norfolk & Dedham	$1417	$241
Norfolk and Dedham Mutual Fire Insurance Company	$1501	$250
Farmers	$1678	$285
Travelers	$1957	$327
Plymouth Rock	$1982	$334
Progressive	$2918	$491
USAA	$3864	$650
Allstate	$4866	$819
Amica Mutual	$7052	$1198
Norfolk & Dedham Mutl Fire Ins	$1501	$256

Key Takeaways

Way's key takeaways about car insurance in Springfield

The auto insurance costs in Springfield fall around $633 for six months.
The cheapest auto insurance company in Springfield is State Farm.
Teen drivers pay the highest rate in Springfield at $1072 per month.

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Cheapest Minimum Liability Car Insurance in Springfield

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 Springfield are given below.

State Farm provides the cheapest minimum car insurance coverage in Springfield. Their Average 6 Month Premium is $143. Norfolk & Dedham Mutl Fire Ins is the most expensive at $371 for the same period.

Cheapest Liability Coverage in Springfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$143	$24
Safety Group	$203	$34
Vermont Mutual	$212	$36
American Family	$253	$43
Amica Mutual	$338	$57
Chubb	$338	$57
Plymouth Rock	$338	$57
Norfolk and Dedham Mutual Fire Insurance Company	$371	$62
USAA	$396	$67
Hanover	$405	$68
Norfolk & Dedham	$413	$70
The Hanover	$413	$70
Amica	$422	$71
Farmers	$439	$75
Safety	$497	$84
Travelers	$548	$92
Arbella	$565	$94
Progressive	$683	$115
Allstate	$878	$148
Norfolk & Dedham Mutl Fire Ins	$371	$62

Cheapest Full Coverage Car Insurance in Springfield

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 Springfield is Safety Group at $105 per month and $633 for six months.

Cheapest Full Coverage Car Insurance Quotes in Springfield, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$633	$105
Vermont Mutual	$743	$126
American Family	$1062	$179
Hanover	$1265	$213
State Farm	$1291	$217
Safety	$1299	$222
Arbella	$1375	$229
Norfolk & Dedham	$1417	$241
Norfolk and Dedham Mutual Fire Insurance Company	$1501	$250
Farmers	$1678	$285
Travelers	$1957	$327
Plymouth Rock	$1982	$334
Progressive	$2918	$491
USAA	$3864	$650
Allstate	$4866	$819
Amica Mutual	$7052	$1198
Norfolk & Dedham Mutl Fire Ins	$1501	$256

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Average Car Insurance in Springfield 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 Springfield, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Springfield, 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, Springfield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Springfield

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	$518
30s	State Farm	$419
40s	State Farm	$419
50s	State Farm	$419
60s	State Farm	$369
70s	State Farm	$320

Cheapest Car Insurance Rates for Teen Drivers in Springfield,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Springfield at $37 per month. At $6435 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$219	$37
Vermont Mutual	$236	$40
Hanover	$270	$45
American Family	$295	$50
Safety	$379	$64
Farmers	$439	$72
State Farm	$633	$107
Plymouth Rock	$1012	$170
USAA	$1552	$261
Amica Mutual	$3442	$574
Progressive	$4335	$737
Allstate	$6435	$1072

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 Springfield.

As young drivers face the highest rates in Springfield, State Farm offers the cheapest auto insurance rates at $518 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.

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Car Insurance Rates with An Accident in Springfield

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 Springfield, MA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Springfield include American Family and Safety Group, offering $346 and $388, respectively. Allstate is an expensive provider with an average six-month premium of $3458.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$346	$58
Safety Group	$388	$65
Vermont Mutual	$396	$67
State Farm	$422	$71
Norfolk & Dedham	$666	$111
The Hanover	$717	$122
Plymouth Rock	$809	$136
Arbella	$1079	$182
USAA	$1265	$213
Safety	$1340	$226
Hanover	$1762	$297
Travelers	$1813	$305
Amica Mutual	$1882	$314
Progressive	$1957	$329
Farmers	$3096	$515
Allstate	$3458	$582

Springfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Springfield MA. For example, the car insurance in Springfield after a DUI increases to $1055 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

Springfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1122	$187
One Med/PIP claim	$1122	$190
Not-at-fault accident	$1156	$193
One comp claim	$1156	$196
Two Med/PIP claims	$1156	$193
Two comp claims	$1197	$203
At-fault accident - less than $1000	$1240	$207
Child safety restraint	$1282	$219
Driving without lights	$1282	$213
Failure to wear a seat belt	$1299	$222
Cell phone violation	$1392	$231
Texting while driving	$1392	$237
Driving too slowly	$1400	$233
Failure to stop at a red light	$1400	$239
Failure to yield	$1400	$233
Following too closely	$1400	$239
Illegal turn	$1400	$233
Improper passing	$1400	$239
Speeding 11 - 15 MPH over limit	$1400	$233
Speeding 16 - 20 MPH over limit	$1400	$239
Speeding 6 - 10 MPH over limit	$1400	$233
Speeding in school zone	$1400	$239
Wrong way/wrong lane	$1400	$233
In 65 MPH zone	$1409	$240
Speeding 21 - 25 MPH over limit	$1409	$234
Operating a vehicle without permission	$1417	$241
Passing school bus	$1477	$246
At-fault accident - $1000-$2000	$1738	$295
Failure to show documents	$1771	$295
At-fault accident - greater than $2000	$1779	$302
Driving with expired registration	$1788	$298
Open container	$1890	$321
Reckless driving	$2041	$341
Refusal to submit to a chemical test	$2083	$354
Driving with a suspended license	$2168	$361
Racing	$2168	$369
DUI	$2177	$362
Leaving scene of an accident/hit and run	$2201	$375

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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 Springfield 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 Springfield.

The cheapest car insurance premiums in Springfield are offered by American Family at $422 for a six-month policy. However, it can be as expensive as $4286 with companies like Allstate.

Springfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$422	$71
Safety Group	$464	$80
Vermont Mutual	$481	$80
State Farm	$514	$87
Plymouth Rock	$1004	$169
Progressive	$1088	$183
Hanover	$1451	$244
Arbella	$1578	$266
USAA	$2151	$362
Amica Mutual	$2455	$417
Travelers	$3027	$504
Safety	$3130	$533
Farmers	$3593	$599
Allstate	$4286	$721

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 Springfield are offered by State Farm at $186. However, it can be as expensive as $2590 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Springfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$186	$31
Safety Group	$244	$41
Vermont Mutual	$278	$47
American Family	$346	$58
Plymouth Rock	$961	$162
Arbella	$1375	$234
USAA	$1409	$234
Hanover	$1619	$273
Safety	$1695	$283
Progressive	$1830	$311
Farmers	$2117	$352
Allstate	$2438	$415
Travelers	$2590	$432

Car Insurance Price Trends in Springfield, Massachusetts

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

The average cost of full coverage in the Springfield remained steady at $327 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Springfield remained steady at $71 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Springfield by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Springfield. At $2227 for a six-month policy, insuring your car at 1129 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
1129	$2227	$375
1107	$2291	$385
1118	$2355	$396
1128	$2162	$364
1105	$2312	$389
1104	$2483	$418
1103	$2162	$364
1109	$2569	$432
1119	$2334	$393
1108	$2526	$425

Frequently Asked Questions

How much is car insurance in Springfield?

The car insurance in Springfield is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Springfield?

The cheapest car insurance in Springfield is $105 per month for full coverage.

How much is car insurance in Springfield for teenagers?

Car insurance for teenagers costs $219 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 Springfield?

The average cost of car insurance is $1508 for a six-month policy. It will cost around $361 per month to insure your car in Springfield.

Is car insurance expensive in Springfield?

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

What is the best car insurance in Springfield, MA?

The best car insurance company in Springfield MA is Safety Group, offering $633 for a six-month policy.