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Auto insurance costs an average of $2,019 per year in Springfield. That's more than the average across Massachusetts ($1,463) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Springfield.
| Springfield Average (annual) | Massachusetts Average | U.S. Average |
| $2,019 | $1,463 | $1,548 |
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.
| Insurance Company | Average Rate (annual) |
| Plymouth Rock | $1,409 |
| Safety | $1,493 |
| GEICO | $1,561 |
| Arbella | $1,968 |
| Metropolitan | $2,203 |
Read our guide to finding the best cheap auto insurance.
Springfield drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,715per year, on average. Drivers in their age_50s pay marginally higher rates — $1,801 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 the second-most expensive rate paid by an age group.
| Age bracket | Average Annual Rate |
| Teens | $6,209 |
| 20s | $2,564 |
| 30s | $1,967 |
| 40s | $1,900 |
| 50s | $1,801 |
| 60s | $1,715 |
| 70s | $1,818 |
Learn more about the impact of age on car insurance premiums.
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Springfield pay $9 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Springfield, widowed drivers pay less than those who are single.
Gender is yet another factor that can affect auto insurance premiums.
| Gender/Marital Status | Average Yearly Rate |
| Female | $2,019 |
| Male | $2,019 |
| Single | $2,010 |
| Married | $2,010 |
| Divorced | $2,010 |
| Widowed | $2,010 |
Learn more about how gender and marital status have on auto insurance rates.
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, 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.
| Violation/Incident | Average Yearly Rate |
| DUI/DWI | $3,588 |
| Reckless Driving | $3,752 |
| At-fault Accident (damages less than $1,000) | $2,438 |
| At-fault Accident (damages greater than $2,000) | $3,400 |
| Speeding Ticket (16-20 mph over speed limit) | $2,645 |
Learn more about citations' impact on your auto insurance rates.
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.
| Credit Score | Average Annual Rate |
| Very Poor | $2,019 |
| Fair | $2,019 |
| Good | $2,019 |
| Very Good | $2,019 |
| Exceptional | $2,019 |
