Jerry SummaryThe cheapest car insurance company in Worcester, Massachusetts, is Safeco with an average monthly quote of $193, according to Jerry’s August 2025 analysis of full coverage auto insurance quotes.
Worcester, known as the “Heart of the Commonwealth” for its location between Boston and Springfield, is connected by Interstate 90, with north-south destinations served by interstates 190, 290 and 395.
Cheapest full coverage insurance in Worcester
Safeco offers the cheapest full coverage in Worcester with an average monthly quote of $193, according to Jerry’s data analysis.
Cars are increasingly expensive to maintain and repair. If you’re in an accident, you may have to pay out of pocket for repairs to your vehicle unless you have full coverage auto insurance, which includes:
- Collision insurance: Covers the cost to repair your vehicle after an accident involving another vehicle or property like a guardrail or tree. Collision coverage pays for the damages regardless of fault.
- Comprehensive insurance: Pays for direct and accidental damage to your vehicle due to something other than a collision, which can include theft, vandalism, fire, falling objects, larceny or hitting an animal.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $206 |
| Geico | $249 |
| Bristol West | $272 |
| Liberty Mutual | $288 |
| Embark General | $424 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest minimum coverage insurance in Worcester
Safeco offers the cheapest minimum coverage in Worcester with an average monthly quote of $100, according to quotes customers have received via Jerry.
In Massachusetts, these are the state-mandated minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $30,000 in property damage liability.
- $8,000 in personal injury protection.
- Uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Before you can drive your car in Massachusetts, you will need at least the minimum required coverage, but bear in mind that this level of coverage may not be enough to pay for damage you cause in an accident and doesn’t cover your vehicle’s repairs afterward. These are the cheapest insurers for minimum coverage in Worcester, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $100 |
| Bristol West | $106 |
| Geico | $115 |
| Embark General | $194 |
More: How to save money by comparing car insurance quotes
Average cost of car insurance in Worcester
The average cost of car insurance in Worcester is $250 per month, according to a August 2025 analysis of real Jerry customer quotes.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $169 |
| Geico | $212 |
| Bristol West | $231 |
| Liberty Mutual | $270 |
| Embark General | $327 |
More: How much is car insurance in 2025? Average costs
Cheapest insurance for young drivers in Worcester
Safeco offers the cheapest quotes for drivers under 30 in Worcester, with an average quote of $186 per month, according to an analysis of full coverage policies quoted to real Jerry customers.
Young drivers tend to pay higher premiums for auto insurance. These insurers offer the cheapest rates to drivers under 30 for full coverage, based on data analyzed by Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $186 |
| Geico | $289 |
| Bristol West | $341 |
| Liberty Mutual | $386 |
| Embark General | $526 |
More: Why is my car insurance so high? 10 reasons (+ how to save)
Cheapest insurance for 30 to 64 year olds
Geico offers the cheapest quotes for drivers between 30 and 64 years old in Worcester, with an average quote of $222 per month, based on an analysis of full coverage quotes to real Jerry customers.
To keep your rates low, make sure to get quotes from multiple insurers before your policy renews. Here are the cheapest full coverage quotes customers between 30 and 64 years old have received via Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $221 |
| Safeco | $222 |
| Bristol West | $227 |
| Liberty Mutual | $250 |
| Embark General | $341 |
Cheapest insurance for older drivers (65+)
Geico offers the cheapest quotes for drivers aged 65 and older in Worcester, averaging $108 per month, according to an analysis of full coverage quotes provided to Jerry customers.
Insurers typically charge older drivers a bit more every year starting around 70 years old because of increased accident risk. Here are the average quotes in Worcester that older drivers have received via Jerry for full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $108 |
| Bristol West | $150 |
| Safeco | $161 |
| Liberty Mutual | $162 |
| Embark General | $284 |
More: The best car insurance for seniors in August 2025
Cheapest car insurance for speeding tickets
Safeco offers the cheapest full coverage quotes for drivers with speeding citations in Worcester, averaging $224 per month, according to data from Jerry.
Getting a speeding ticket usually raises your rates, especially if you were traveling well above the speed limit. The amount your premium will rise depends on your insurer — some providers treat these infractions more severely than others — so it’s wise to shop around for quotes. Check out the cheapest full coverage quotes that drivers in Worcester with a speeding citation have received via Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $224 |
| Geico | $271 |
| Bristol West | $316 |
| Embark General | $418 |
How to choose car insurance coverage
Though Massachusetts has its own minimum liability insurance requirements, buying more than the minimum liability coverage can protect your finances if you cause an accident. Many drivers choose limits of $100k/$300k/$100k, which provides $100,000 of bodily injury per person, $300,000 of bodily injury per accident and $100,000 of property damage coverage.
Alternatively, you can match your liability coverage to your net worth. This ensures that, if you cause an accident, your hard-earned assets are protected.
Then, consider whether you want full coverage, which is most helpful if you can’t afford to pay out of pocket to fix or replace your vehicle after a wreck. If your vehicle is leased or financed, your lender usually also requires this.
Other types of car insurance — uninsured/underinsured motorist coverage (UM/UIM), medical payments (MedPay) and personal injury protection (PIP) — may be required by your state, but you can add them to your policy if they aren’t. UM/UIM insurance covers your own losses if an at-fault driver is uninsured or doesn’t have enough liability coverage, while MedPay and PIP cover your medical bills.
More: How much car insurance do I need?
How to find cheap insurance in Worcester
Here are three steps to get cheap car insurance in Worcester.
1. Shop around and compare quotes
Insurance companies use different rules to set premiums, which are constantly changing. To ensure the cheapest car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six to 12 months.
2. Hunt for car insurance discounts
Many car insurance companies offer premium discounts. Some are more common than others, but the exact qualification requirements and rate reductions vary by company. Some common discounts include:
- Good driver discount. If you have a relatively clean driving record, meaning no at-fault accidents or citations, you may qualify for a good driver discount.
- Telematics discount. Using an insurer’s telematics program can lower your policy costs if you stick to what the insurer considers “good driving habits.” Insurers may look for different things — limited nighttime driving, no hard braking or accelerating — so it’s wise to see what yours is looking for before you participate. You may receive a discount just for enrolling in the program. However, if the insurer perceives your habits to be too risky, a telematics program could cause your rates to rise.
- Good student discount. If you insure a full-time student in high school or college with a B average or higher, you could be eligible for a good student discount.
- Bundling discount. Drivers can bundle their home and auto insurance for a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Worcester, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage. You must pay your deductible before an insurer will provide coverage, so be sure you could afford to pay your deductible after an accident.
Factors affecting premiums in Worcester
Ten main factors affect your premium.
- Coverage level: More coverage (like full coverage or higher liability limits) costs more than minimum coverage.
- Deductible: Lower deductibles lead to higher premiums, while higher deductibles lower your rates.
- Driving record: A driver with a clean history often pays less for coverage than a driver with violations, accidents or claims.
- Driving experience: Younger or inexperienced drivers pay more than drivers with more time on the road.
- Vehicle type: Expensive, luxury or high-performance cars cost more to insure, but older or safer vehicles tend to cost less.
- Driving frequency: The more you drive, the higher your risk and premium. Some insurers offer special discounts to low-mileage drivers.
- Location: Drivers who live in areas that are densely populated, have high crime rates or frequently experience severe weather often pay more for car insurance than those in rural areas with fewer natural disasters.
- Credit score: A low credit score often leads to a higher premium if you live in a state that allows insurers to use credit-based insurance scoring.
- Inflation: Rising costs of parts and labor mean it’s more expensive to repair your car after a wreck, which contributes to higher premiums.
FAQ
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How can I get cheap car insurance in Worcester?
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Is car insurance cheaper if paid in full?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
