Springfield, MA Car Insurance

What's the average cost of car insurance in Springfield?


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 CAR INSURANCE RATES
Springfield Average (annual)Massachusetts AverageU.S. Average
$2,019$1,463$1,548

Jump to:

Compare rates side-by-side:

Location pin icon
No spam. We take your privacy seriously.


Springfield car insurance costs by provider


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.


SPRINGFIELD CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage 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 car insurance premiums by age

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.


CAR INSURANCE RATES BY AGE TIER IN SPRINGFIELD
Age bracketAverage 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.



Springfield car insurance rates by gender and marital status


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.


SPRINGFIELD CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.



Springfield car insurance costs by incident history


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.


SPRINGFIELD CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage 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.



Springfield auto insurance costs 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.


SPRINGFIELD AUTO INSURANCE PREMIUMS BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor$2,019
Fair$2,019
Good$2,019
Very Good$2,019
Exceptional$2,019

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



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.