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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Springfield?

Auto insurance costs an average of $1,009 for six months in Springfield. That's more than the average across Massachusetts ($731) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Springfield. Read on to learn more!

Car insurance in Springfield vs. Massachusetts Average 6 Mo. Premium
Springfield average $1,009
Massachusetts average $731

The Zebra's key takeaways about car insurance in Springfield:

  • The average cost of a car insurance policy in Springfield is $1,009 per six-month policy — $168 per month.
  • The cheapest company in Springfield is Plymouth Rock ($704).
  • 37% of Zebra customers in Springfield stated they used our product because they were paying too much for car insurance with their current provider.sdxxzzzzzzzzzzfgdcvvvvvvvvvvvvvv

Are you paying too much for auto insurance?

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Springfield car insurance rates by company

The difference in auto insurance rates from company to company can be substantial. In Springfield, Plymouth Rock offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Springfield. Don't forget to get car insurance quotes based on your unique driving profile.

Cheapest car insurance companies in Springfield, MA
Company Avg. 6 Mo. Premium
Plymouth Rock $704
Safety $746
GEICO $780
Arbella $984
Metropolitan $1,101

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Springfield.

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Springfield auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 36% of Springfield drivers. Springfield drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $857 per six-month policy, on average. Drivers in their 50s pay marginally higher rates — $900 per year.

Teenage drivers pay Springfield's most expensive car insurance rates. When Springfield drivers hit their 20s, their insurance rates drop substantially. In Springfield, teenage drivers pay $6,209 — a full $4,408 more than drivers in their 20s, the second-most expensive rate paid by an age group.

Springfield auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teens $3,104
20s $1,282
30s $983
40s $950
50s $900
60s $857
70s $909

Springfield car insurance rates by credit score

In many cases, a driver's credit level is closely correlated with their auto insurance rates. Springfield drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Springfield, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year. Our data tells us 61% of drivers in Springfield have a credit score of good (680-719). 

credit score
Springfield auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,009
Fair $1,009
Good $1,009
Very Good $1,009
Exceptional $1,009

Springfield car insurance rates by violation

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Springfield, a reckless driving citation results in an average insurance rate increase of $1,733 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,569 increase, and a speeding ticket triggers a $626 rate hike.

Springfield auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,794
Reckless Driving $1,876
At-fault Accident (damages less than $1,000) $1,219
At-fault Accident (damages greater than $2,000) $1,700
Speeding Ticket (16-20 mph over speed limit) $1,322

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.