Cheapest car insurance companies in Worcester 

According to a study by Insurance.com, the cheapest car insurance companies in Worcester for 2023 are State Farm and Plymouth Rock Assurance

In Worcester, State Farm provides the cheapest auto insurance rates to drivers at an average annual premium of $999 annually

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.

CompaniesAverage 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 

State Farm offers the cheapest full coverage car insurance for teenage drivers in Worcester, with an average annual cost of $2,697 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Among the carriers analyzed, State Farm is the cheapest car insurance option for drivers in Worcester, at $1,304 a year for a full coverage policy.

An analysis of car insurance rates for Worcester drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. State Farm offers the cheapest full-coverage car insurance rates at $999 per year.

State Farm is the cheapest option for senior drivers in Worcester, with an average premium of $757 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
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.

Comparison shopping is the key to getting the cheapest car insurance rates in Worcester. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Here's a list of car insurance companies that offer cheap insurance rates in Worcester based on driver profile. 

State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Worcester. Its full coverage car insurance policy costs an average of $1,136 per year for drivers aged 30. 

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
State Farm$1,136
USAA$1,846
Geico$1,944
Progressive$2,953
Allstate$3,213
Travelers$3,792

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. 

CompanyAverage annual rates
State Farm$1,519
USAA$2,476
Geico$2,582
Progressive$3,741
Travelers$4,405
Allstate$5,066

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Worcester for drivers with a DUI, with an average annual premium of $2,037.

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.

CompanyAverage 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.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState 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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