Springfield

Your Complete Guide to Buying Car Insurance in Springfield, MA

Find the right car insurance policy for you.

Springfield, MA is often called “The City of Firsts” because it’s been the birthplace of some very recognizable items. The first American gasoline-powered car was made here.  Things have come a long way in the auto market since that first car hit the road. Now, it's important that all drivers invest in Springfield, MA car insurance. Massachusetts law requires that all Springfield citizens have car insurance. If you need help finding a policy, consider working with an independent insurance agent. Your agent can compare multiple policies and Springfield auto insurance quotes to find what works for you at a price you can afford. Contact an agent today to get started.

Massachusetts Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: required
  • Minimum liability limits: 20/40/5
    • Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $5,000 coverage for property damage

These liability limits are required by law in Massachusetts. Drivers who do not meet these requirements face fines of $500 to $5,000 and possible jail terms of up to one year.

Why Springfield Car Insurance Is Important

The number of uninsured drivers in Massachusetts is well below the national figures, almost 1.91% of Massachusetts residents are uninsured. The average vehicle repair cost is $2,297. Without insurance, that comes out of your pocket. If you have Springfield car insurance, you’re required to meet your deductible and then insurance takes care of the rest. If you’re involved in a serious accident, the repair total may be nothing compared to medical bills. Springfield car insurance can help pay for medical expenses as well as lost income. Ultimately, insurance is meant to protect you in case the unexpected happens.

Car Thefts in Massachusetts

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Massachusetts vehicle thefts (per 1,000 registered vehicles): 1.91

Although Massachusetts has a lower car theft rate than the nation, there's always a risk that your car will be stolen. Comprehensive coverage, also called "other than collision" coverage, will protect you from this major financial loss and quickly compensate you. And a bonus is that it will also protect you from damage caused by weather, falling objects, and vandals.

How Much Does Insurance Cost in Massachusetts?

  • National average cost per year: $1,311
  • Massachusetts average cost per year: $1,460
  • 16th most expensive premiums in the US

Premium costs in Massachusetts are significantly higher than the national average, but keep in mind that cost really depends on several factors. Things like your driving history and the make and model of your car are factored into your premium, but your location matters as well. Be sure to ask your independent agent in our network if you qualify for any discounts. Insurance companies like to reward safe drivers because it helps keep premiums low for everyone. The next time you think about speeding through that yellow light, think about your Springfield car insurance rates.

How to Find Fast, Reliable Quotes

Everyone wants to save money, but don’t let cost dictate the amount of vehicle coverage you purchase. You may end up being underinsured, which can be just as bad as not having insurance in some situations. If you’re unsure of how much coverage you actually need, contact an agent. Your local member agent can help analyze your risks and recommend which policies are best for you.

If you need to stick to a budget, that’s not a problem when working with independent agents in our network. Members of this network are independent agents who can provide Springfield auto insurance quotes and policies from multiple companies, unlike “captive” agents who can only quote from one source. 

Contact an independent agent for personalized assistance with all your Springfield car insurance needs.

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