An unusual day in Worcester, MassachusettsSees 43,770 vehiclesAccording to the Massachusetts Department of Transportation, there are approximately 40,000 drivers on Massachusetts’ roads. The possibility of an accident is high with so many drivers on the roads. This highlights the importance of financial protection.Worcester’s average car insurance cost is $666 per year for minimum coverage, and $1,575 for full coverage.This includescollisionAndcomprehensiveCoverage.
You may need to consider which providers have the lowest prices when searching for the best Worcester car insurance. Bankrate has partnered with Quadrant Info Services to help us find the most affordable car insurance. We will be looking at average prices based on annual premiums as well as customer service reputation and coverage options.
The best car insurance companies Worcester
Bankrate reviewed the best car insurance companies and included Allstate, Amica Plymouth Rock, The Hanover, Vermont Mutual, and Amica.. Each one of theCar insurance at the lowest priceCompanies in Worcester had average minimum coverage rates that were lower than the city average, based upon quoted annual premiums. The 2020 J.D. was used to compare these providers. These providers were also compared on the basis of the 2020 J.D.New England Auto Insurance Satisfaction StudyThe metric measures the quality of customer service. We also looked for companies with a wide range of coverage options, multiple discounts and a willingness to lower drivers’ rates.
Amica offers Massachusetts drivers low rates, but its true strength is exceptional customer service. It landed in the first place in J.D. The New England Power Study indicates that drivers can expect to get prompt and efficient service from representatives or when filing claims.
Although Amica does not offer the same coverage options as other large insurers like GEICO, it offers nearly 20 discount options, including discounts up to 30% when you combine auto and home policies with condo, condo, or other policies. These options can reduce your premiums or keep your rates reasonable.
Plymouth Rock is one the smaller insurance companies in Worcester. However, because it is a regional insurer, its representatives are well-versed in the needs of Worcester drivers. This can be an asset for drivers who want to have coverage that is tailored to their local risks and hazards.
Plymouth Rock offers all the necessary liability coverages to meet Massachusetts minimums. There are also optional coverages for medical payment, collision and comprehensive and replacement cost. Towing and labor are not included. You can get pet insurance and child seat replacement in the event of a collision.
The fourth largest insurer in the U.S., Allstate is able to offer a broad range of coverages that allow you to customize your policy to suit your own situation. This policy does not rank as well as the other options in the regional J.D. It does not score as high as the other options in the regional J.D., however, it has an A+ (Superior), rating from AMbest, which indicates exceptional financial strength ratings.
Allstate also has one of the most user-friendly websites in the business. This makes it easy for policyholders and employees to access their policies online or through their mobile app. Additional benefits include extended vehicle coverage, car buying services and a bonus each six months if you are not involved in an accident.
The Hanover is a regional insurance company that sells policies across 27 states, including Massachusetts. The Hanover Platinum Experience is its signature policy, which is a combined home/auto policy. This policy simplifies your life by only having to pay one premium and a variety of protection options, such as replacement child car seats and $1,500 for custom equipment.
Hanover’s Smart Savings program offers discounts and credits, such as a good student discount or paid-in-full credit. According to the insurer, a deductible dividend on collision coverage could help you save up to $500 over five years. Although the Hanover website doesn’t offer an online quote tool for collision coverage, you can file and manage claims online.
Vermont Mutual, another regional insurer, sells policies all over New England. The company was founded in 1828 and has many centuries of experience. There are also local agents available for policyholders in the Worcester region.
Local agents may be necessary, because online policy management is not as efficient as it could be. Although you can submit a claim online, you cannot pay your bill. There is also very little information online about coverage options and discounts. Vermont Mutual might be a good fit for drivers who value local agent interaction and competitive rates.
Worcester has the cheapest car insurance
Worcester’s annual premiums are on average $666 for minimum coverage and $1.575 for full coverage. However, individual factors can affect your rates. These factors include the model of your car, your marital status, driving record, and your ZIP code. Worcester rates are a little higher than the Massachusetts state average, which is $1,223 annually for full coverage, but it is still cheaper than the national average of $1,674 a year.
The following table highlights the cheapest car insurance in Worcester from insurers in the area, based on quoted annual premiums. These are the same providers that score high for customer service, financial strength ratings and coverage.
These premiums reflect coverage for 12 months. However, depending on your provider, you might be able to choose a premium that covers six months.
Worcester insurance requirements
Massachusetts, like most other states in the U.S. requires that drivers have a minimum amount of auto coverage to legally drive a car. To meet minimum requirements in Worcester, your policy must include the following:
- $20,000 bodily injury coverage per person in a single accident
- $40,000 for bodily injury from all accidents
- $5,000 property damage liability
- $20,000 uninsured motorist bodily injury per person in a single accident
- $40,000 bodily injury to a motorist uninsured for all injuries sustained in one accident
- $8,000 personal injury protection (PIP)
Worcester drivers might also want collision and comprehensive insurance. This protects your vehicle. Lenders may require you to have collision and comprehensive insurance if you lease your vehicle or take out a loan on it.
If you are involved in a serious accident, the minimum coverage may not cover you. Consider, for example, that the cost of a new car can range between $20,000 and $55,000. The minimum $5,000 in property damage liability for a new vehicle would not cover the cost of replacing the other driver’s car.
Worcester: Car insurance discounts
Although Massachusetts is one of the cheaper states in the nation for car insurance based on quoted annual premiums, you can also consider discounts to help bring your rate down even further. Nearly all insurance companies offer discounts and most are easy to get. These are the discounts that Worcester drivers may be able to benefit from:
- BundlingBundling: This is the most popular discount. It allows you to purchase both your homeowners and renters insurance from one company. This results in savings on both policies.
- Anti-theft devicesYour insurer won’t pay out a claim if you have your car stolen. They will often give you a discount on anti-theft devices.
- Multi-car: Insuring multiple cars with the same company can help you save money.
- Passive restraint devicesYou may be eligible for a discount if your car is equipped with airbags or other devices that reduce the chance of you being hurt in an accident.
- Customer loyaltyIf you stay with the same company for several years, you might be eligible to receive a discount. You may be able to get one if you switch from another insurance company.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company will differ for every driver based on their circumstances, budget and driving history. It may be necessary for you to obtain multiple quotes from different companies in Worcester in order to find the best price and coverage.
What is the cost of car insurance in Worcester?
Worcester’s average annual car insurance cost is $666 for state minimum coverage, and $1,575 full coverage.However, each company will have a different rate. Each company determines its own rate based on multiple factors, including your driving record and where you live.
What amount of Worcester car insurance do you need?
If your budget permits, insurance experts recommend that you buy more than the minimum Worcester car insurance. You run the risk of financial ruin if you don’t have enough insurance.