Greatest low-cost car insurance in Worcester for 2021 – Bankrate.com
On a typical day in Worcester, Massachusetts, there are 43,770 vehicles on the area's roads, according to the Massachusetts Department of Transportation. With so many drivers on the road, the possibility of an accident underscores the importance of financial protection. The average cost of auto insurance in Worcester is $ 666 per year for minimum state insurance and $ 1,575 per year for fully comprehensive insurancewhich includes collision and full coverage.
To find the best auto insurance in Worcester, you may need to consider which providers offer the lowest cost. To help in our search for the best cheap auto insurance, Bankrate partnered with Quadrant Information Services to research the average cost based on reported annual premiums, as well as customer service reputation, breadth of insurance options and discounts.
The best auto insurance in Worcester
The top auto insurance companies included in Bankrate's review were Allstate, Amica, Plymouth Rock, The Hanover, and Vermont Mutual. Each of the cheapest auto insurance policies in Worcester studied had average minimum coverage rates that were below the city average based on the annual premiums reported. These providers were also based on the J.D. Power New England Auto Insurance Satisfaction Study 2020, which rates the quality of customer service. Finally, we looked for companies that offer a wide range of insurance options and multiple discounts to help drivers cut rates even further.
|insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|Allstate||807 / 1,000||$ 633||$ 1,708|
|Amica||863/1000||$ 577||$ 1,824|
|Plymouth Rock||808 / 1,000||$ 406 $||$ 1,120|
|The Hanover||816 / 1,000||$ 575||$ 1,769|
|Vermont reciprocity||N / A||$ 631||$ 1,575|
Amica offers low rates to drivers in Massachusetts, but their real differentiator is excellent customer service: it ranks first in JD Power's New England area study, meaning drivers are likely to be quick and efficient when speaking to a representative Receive service or submit a request.
While Amica lacks some of the additional coverage options offered by some other major insurers, it offers nearly 20 discount options, including up to 30% savings when you combine auto with home, condominium, or other policies. These options can help keep your rates at reasonable levels or lower the premiums overall.
Plymouth Rock is one of the smaller Worcester insurance companies, but as a regional insurer, its agents are particularly well aware of the needs of Worcester drivers. This can be a great advantage for drivers who prefer protection tailored to local hazards and risks.
Plymouth Rock has all of the basic liability insurance you need to meet the Massachusetts minimum requirements, along with optional covers for medical payments, collision and fully comprehensive insurance, replacement costs, rental cars, and towing and labor. The company's perks include pet coverage and child car seat replacement if your car is damaged in an accident.
As the fourth largest insurer in the US, Allstate offers a wide range of coverage that allows you to tailor your policy to your own situation. It cuts in the regional J.D. Power Study doesn't do as well as our other options, but has an A + (Superior) rating of AM best, reflecting exceptional financial strength ratings.
Allstate has also developed one of the best websites in the industry, making it easy for policyholders to manage their policies online and through the company's mobile app. Other extras include extended vehicle maintenance, a car purchase service and a six-monthly bonus to ensure that you are accident-free.
The Hanover is a regional insurer selling policies in 27 states, including Massachusetts. Its signature policy is called The Hanover Platinum Experience, a combined policy for homes and cars. It makes your life easy by paying a one-time premium and receiving a wide range of protection options like child seat swaps and $ 1,500 of custom equipment coverage for your vehicle.
The Hanoverian “Smart Savings” program offers discounts and credits such as a good student discount and a full-paying discount. A deductible dividend for collision insurance could save you up to $ 500 over five years, according to insurers. The Hanover website does not offer an online quotation tool, but you can easily register and manage claims online.
Vermont Mutual is another regional insurer selling policies across New England. Founded in 1828, the company has centuries of experience serving local policyholders in the Worcester area.
Having local agents can be essential as online policy management is limited compared to others in the industry. You can make a claim through the website but not pay your bill, and very little information about insurance options or discounts is available online. However, for drivers who prefer local agent interactions and competitive pricing, Vermont Mutual may be the ideal solution.
Cheapest car insurance in Worcester
Although Worcester's average annual premiums are $ 666 per year for minimum insurance and $ 1,575 per year for full coverage, your own rates may be more or less depending on personal factors. These variables include the model and age of your car, as well as your own age, marital status and driving history, and the specific zip code. Worcester rates are slightly higher than the Massachusetts state average, which is $ 1,223 per year for full coverage, but still cheaper than the national average of $ 1,674 per year.
The table below shows the cheapest car insurance in Worcester from insurers in the region, based on the stated annual premiums. While prices are in the foreground in the table below, these are the same providers that score high on customer service, financial strength ratings, and coverage and discount options.
The premiums listed below reflect 12 months of coverage, but depending on the provider, you may have the option to choose a 6 month premium instead.
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|The Hanover||$ 575||$ 1,769|
|Amica||$ 577||$ 1,824|
|Allstate||$ 633||$ 1,708|
|Geico||$ 724||$ 1,430|
Worcester Insurance Requirements
Like most states in the United States, Massachusetts requires drivers to have a certain minimum amount of auto insurance in order to legally operate a vehicle on the road. In Worcester, your policy will need at least the following to meet the minimum requirements:
Additionally, Worcester drivers may want to take out collision and fully comprehensive insurance that will protect your own vehicle. If you lease your car or have a car loan, the lender may ask you to bring it with you.
Note that the minimum levels of coverage may not protect you if you have a serious accident. For example, consider that the cost of a new car can range from $ 20,000 to $ 55,000. If you were putting together a new car, the $ 5,000 minimum property damage liability would not go very far to cover the cost of replacing the other driver's vehicle.
Car insurance discounts in Worcester
While Massachusetts is one of the cheaper states for auto insurance, you can also consider discounts to lower your rate even further. Almost all insurers offer at least some discounts, and many are easy to qualify. Here are some that Worcester drivers can likely benefit from:
- Bundling: Perhaps the most common discount is bundling when you get your auto and home (or renters) insurance from the same company, resulting in savings on both policies.
- Anti-theft devices: Your insurer does not want to pay compensation if your car is stolen; They will often reward you with an anti-theft device discount.
- Multi-car: If you have more than one car in your family, you can save money by insuring them all with the same company.
- Passive restraint devices: If your car is equipped with airbags or other devices that reduce the chances of you being injured in an accident, you can get a discount.
- Customer loyalty: Stay with the same company for a few years and you can get a discount. Some companies only offer one to switch from another insurer.
frequently asked Questions
What is the best car insurance?
The best car insurance will be different for every driver based on their circumstances, budget and driving history. In order to find the best auto insurance in Worcester it may be necessary to obtain several quotes from the companies you are interested in and see who can offer you the best rates for the coverage you need.
How much does car insurance cost in Worcester?
The average annual cost of auto insurance in Worcester is $ 666 for minimum state insurance and $ 1,575 for full insurance – However, your own rate will vary. It is determined differently by each company based on several factors such as your driving history and where you live.
How Much Auto Insurance Do I Need in Worcester?
Insurance experts usually recommend that you get more than the minimum insurance in Worcester if your budget allows. The cost of repairs can quickly exceed legal minimum liability amounts, putting you at risk of financial devastation.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
In order to set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of the individual states. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.