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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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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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How much does car insurance cost in Worcester?


The typical Worcester driver pays $1,864 per year for car insurance. That's more expensive than the average across Massachusetts ($1,463) and more expensive than the national average of $1,548. Our guide to Worcester car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

Worcester Average (annual) Massachusetts Average National Average
$1,864 $1,463 $1,548
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Worcester auto insurance premiums by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Worcester, Safety offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Worcester. Don't forget to get car insurance quotes based on your driving profile.

Company Average Yearly Rate
Safety $1,358
Plymouth Rock $1,359
GEICO $1,397
Arbella $1,740
Metropolitan $2,015

Check out our guide to learn how to find the best cheap car insurance.


Worcester car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Worcester are drivers in their 60s, who pay an average of $1,583 per year. Those in their 50s don't pay significantly more ($1,659).

Teenage drivers pay Worcester's most expensive car insurance rates. When Worcester drivers hit their 20s, their insurance rates drop substantially. In Worcester, teenage drivers pay $6,058 — a full $4,399 more than the second-most expensive rate paid by an age group.

Age Tier Average Annual Rate
Teens $6,058
20s $2,388
30s $1,813
40s $1,747
50s $1,659
60s $1,583
70s $1,676

Learn more about the impact of age on auto insurance rates.


Worcester auto insurance costs by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. 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 Worcester pay $7 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 Worcester, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates.

Marital Status/Gender Average Annual Rate
Female $1,864
Male $1,864
Single $1,857
Married $1,857
Divorced $1,857
Widowed $1,857

Learn more about how gender and marital status have on insurance rates.


Worcester car insurance rates by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. 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 costly citations to receive are DUI and reckless driving. Worcester drivers found guilty of reckless driving face insurance rate increases of $1,600 per year, compared to the citywide average. A DUI violation may lead to a $1,442 increase, while a citation for speeding leads to a $583 rate hike.

Incident Average Yearly Rate
DWI/DUI $3,306
Reckless Driving $3,464
At-fault Accident (damages less than $1,000) $2,247
At-fault Accident (damages > $2,000) $3,156
Speeding Ticket (16-20 mph over speed limit) $2,447

Learn more about the impact of driving violations on car insurance rates.


Worcester auto insurance premiums by credit level


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit.

However, Massachusetts numbers among several states that have outlawed this practice of allowing credit score to influence a driver's premium. In Worcester, drivers with poor and excellent credit pay the same premium, given all other rating factors remain constant.

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.


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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.