Car Insurance in Worcester
Premiums in Massachusetts, which are 16% lower than the national average, are known for being low-cost. However, premiums run higher in the city, so understanding premium costs while insuring a vehicle in Worcester is critical. Keep some money in your pocket by following the tips below about how to save on car insurance in Worcester.
- City Average: $1,591
- State Average: $1,201
- National Average: $1,427
Worcester Car Insurance by Accident or Violation History
Prior accidents and violations can cost you in terms of prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. In general, a DUI in Worcester will cost you 100% more in car insurance premiums versus the city average ($1,591). Reckless driving will push your rates up as well, with typical rates of $3,141. That is 97% higher than the city average! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage was done in the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another 4% per year in premiums compared to an accident with damages less than $1,000.
- DUI: $3,176
- Reckless Driving: $3,141
- At-fault Accident (damages less than $1000): $2,606
- At-fault Accident (damages greater than $2000): $2,722
- Speeding Ticket (16-20 mph over speed limit): $1,992
Worcester Car Insurance by Age
Looking across all age groups, drivers in their 70s tend to have the smallest premiums. Their rates normally average $1,266/year. People in their 60s ($1,301) have premiums that aren't much higher. Worcester drivers see the greatest decrease in premiums when they reach their 20s, as they pay an average of $3,277 less after moving out of the teenage age range. The downward direction continues, as insurance rates in Worcester decrease the older a driver gets. Teenage drivers have the most expensive rates out of all the age groups. They have car insurance payments that average $5,265.
- Teenagers: $5,265
- 20s: $1,988
- 30s: $1,533
- 40s: $1,478
- 50s: $1,422
- 60s: $1,301
- 70s: $1,266
* Credit score, while used in other states, is considered discriminatory in Massachusetts and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.
* Insurance rates aren't influenced by either gender or marital status in Worcester.