Cheapest and Best Car Insurance Companies in Worcester, MA (2024)

Hanover offers the cheapest minimum coverage, and Plymouth Rock Assurance has Worcester's least expensive full coverage car insurance. The latter is also the cheapest for military drivers. GEICO and Plymouth Rock Assurance are the best for drivers with violations, while Progressive is the top choice for teens.

Chubb offers the best customer service and is both the best overall and the best cheap option in Worcester. Your driving history and needs will determine the best option.

Cheapest Minimum Liability Car Insurance in Worcester

The following companies offer the most affordable minimum coverage auto insurance in Worcester:

• Hanover: $301 per year
• Plymouth Rock Assurance: $310 per year

Hanover's average price in Massachusetts is cheaper than in Worcester, at $271 annually. Meanwhile, at $1,018, Safety Group offers the city’s most expensive minimum coverage.

Worcester's minimum liability limits are defined by Massachusetts law and must include the following:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $5,000 property damage liability per accident

Minimum coverage only covers third-party damages. If your bodily injury liability coverage is $40,000 per accident and $20,000 per person, your insurer will only cover $20,000 in losses per individual, up to $40,000 per incident.

Cheapest Full Coverage Car Insurance in Worcester

The following are the cheapest options for full coverage car insurance in Worcester:

• Plymouth Rock Assurance: $929 per year
• Vermont Mutual: $987 per year

Safety Group has the city's highest yearly rates for full coverage, at $2,421.Plymouth Rock Assurance ranks as the fourth cheapest in Massachusetts, at $869 per year, demonstrating how location can affect premiums.

Although State Farm is the least expensive in our data, costing only $692 a year, it's only offered to current policyholders in Massachusetts.

Full coverage insurance includes comprehensive and collision coverage.

• Collision Insurance: Protects against collisions with objects and other moving vehicles.
• Comprehensive Insurance: Protects against theft and non-collision damages, like if a tree falls on your car.

Full coverage offers extra protection, but if your car is outdated, a full coverage policy may cost more than the car is worth.

Cheapest Car Insurance in Worcester After a Driving Offense

The best insurance companies in Worcester for drivers with violations on their records are:

• Speeding ticket: GEICO ($1,212 per year)
• At-fault accident: Plymouth Rock Assurance ($1,406 per year)
• DUI: Plymouth Rock Assurance ($1,474 per year)

Our research shows that State Farm is the most affordable option — $791 for a speeding ticket, $1,051 for an at-fault accident and $1,254 for a DUI — but its policies are only available to current Massachusetts customers.

Safety Group has the most expensive rates in the city: $2,881 after a speeding ticket, $4,379 after an at-fault accident and $5,416 with a DUI.

Cheapest Car Insurance in Worcester for Teens and Their Families

The following companies offer the lowest rates for families adding a teen to their policies:

• Progressive: $1,500 per year for female and male teens
• Allstate: $3,381 per year for female and male teens

State Farm is another affordable option for teen drivers in Worcester, at $1,422 annually, but it is exclusive to existing policyholders in Massachusetts.

Cheapest Car Insurance in Worcester for Military Drivers

The following companies offer the cheapest car insurance for military members in Worcester and their families:

• Plymouth Rock Assurance: $929 per year
• USAA: $932 per year

State Farm is another low-cost full-coverage alternative in Worcester, with a yearly premium of $692, although it is only available to existing Massachusetts policyholders. At $301 per year, Hanover is Worcester's cheapest option if you only intend to purchase minimum coverage.

How to Compare Cheap Worcester Car Insurance Quotes Online

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Worcester: Summary

The best car insurance in Massachusetts will depend on how much you value customer service, affordability and other factors. Chubb emerged as Worcester’s best option in several MoneyGeek categories:

• Best overall: Chubb (MoneyGeek score 79 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 82 out of 100)

A company’s MoneyGeek score can vary depending on how factors are weighted in each category. The best option for military personnel in Worcester is USSA, with a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Worcester

The following firms are the best overall car insurance companies in Worcester out of the 13 providers we analyzed:

• Chubb: MoneyGeek score 79 out of 100 ($1,238 per year)
• Amica Mutual: MoneyGeek score 77 out of 100 ($1,184 per year)

Chubb achieved the highest rank because of its exceptional client satisfaction scores and relative affordability. Amica also scores high for customer satisfaction and is more affordable than Chubb. Worcester military members will find the best insurance from USAA, with a MoneyGeek score of 80 out of 100.

How was this MoneyGeek score calculated?

Best Car Insurance in Worcester for Customer Service

After eliminating the affordability score, the following emerged as the best car insurance companies in Worcester for customer service:

• Chubb: MoneyGeek score 76 out of 100 ($1,238 per year)
• Capital Insurance Group: MoneyGeek score 71 out of 100 ($1,184 per year)

Although it is among the more expensive insurers in the city, Chubb consistently receives high marks for its service.

How was this MoneyGeek score calculated?

Best Cheap Car Insurance in Worcester

The following companies are the best minimum coverage auto insurance in Worcester:

• Chubb: MoneyGeek score 82 out of 100 ($432 per year)
• Hanover: MoneyGeek score 78 out of 100 ($301 per year)

Note that minimum coverage is inexpensive but may fail to cover car damage or provide enough liability coverage.

How was this MoneyGeek score calculated?

Average Cost of Car Insurance in Worcester