Worcester Car Insurance

Your Complete Guide to Buying Car Insurance in Worcester, MA

Find the right car insurance policy for you.


Living in “The Heart of the Commonwealth” has many advantages. You’re treated to a multitude of cultural festivals, including the oldest music festival in the United States. There are a number of museums and nightlife activities. Perhaps the best thing about the city is the location. Living in the middle of Massachusetts, you’re within 50 to 100 miles or so of any part of the state. If you’re taking a weekend trip or making the daily commute to Boston, make sure you have Worcester, MA car insurance.

Have you stayed with the same Worcester car insurance company for years without changing your policy? Are you finally looking for a new provider but don’t know where to start? Consider working with an independent insurance agent. Your agent can help you identify which policies you need and how much coverage is appropriate. Independent agents in our network also have the ability to compare multiple Worcester auto insurance quotes because unlike “captive” agents, they can use different coverage sources. Find an agent in your area today.


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Massachusetts Car Insurance Costs

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

How Are My Premiums Calculated?

Premiums in Massachusetts are well above the national average, but it’s possible that your Worcester car insurance rates could be higher or lower. The types of policies you purchase and how much coverage they provide will impact your rates. A bare-bones Worcester car insurance policy is going to cost less than a coverage plan that's more inclusive, but with less insurance comes less protection. You have to decide which is more important to you. Certain personal factors are also taken into account. Your driving history greatly influences your premiums. If you’ve had several speeding tickets and a DUI, the insurance company usually considers it riskier to insure you than someone with a clean record.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Massachusetts Car Insurance Requirements

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

By state law, you must carry this liability coverage. Drivers who do not have the required insurance are subject to fines of $500 to $5,000 and a possible jail term of up to one year.

Do I Need More Coverage?

While maintaining the legal insurance limits helps you avoid license suspension, it may not provide enough protection if you get into an accident. But an accident isn’t the only reason to increase your Worcester car insurance protection. Natural disasters and vandals can wreak havoc on your car that may not be covered under a policy that just meets state requirements. And what if your car is stolen and never recovered? The car theft rate in Massachussetts is well above the national rate. This kind of loss is covered by the comprehensive, or "other than collision," coverage that you can get from an independent agent in our network.

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

If you aren’t sure how much coverage you should purchase, consider working with an agent. Our member agents can quickly compare Worcester auto insurance quotes from multiple carriers and tailor a policy to your individual needs. Your agent will help you develop a Worcester car insurance policy that provides the adequate protection at a price that's right for your budget. 

Contact a member agent today to get started.

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