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