Worcester, MA Car Insurance

The average cost of car insurance in Worcester is $155 per month. Read on for more information on how insurance premiums are determined.

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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 CAR INSURANCE RATES
Worcester Average (annual)Massachusetts AverageNational 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.

 
WORCESTER AUTO INSURANCE RATES BY COMPANY
CompanyAverage 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.

 
WORCESTER AUTO INSURANCE COSTS BY AGE
Age TierAverage 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.

 
WORCESTER AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.

 
AVERAGE WORCESTER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage 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.

 

Compare auto insurance quotes today!

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.