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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Massachusetts residents pay an average of $127 per month for car insurance, but drivers in Springfield tend to pay quite a bit more — $167 per month, on average. Factors like traffic density, claim frequency, and poor road conditions affect rates across the state.[1] But car insurance premiums can vary significantly by company, and some insurers offer much lower premiums.
State Farm, GEICO, and USAA tend to offer some of the cheapest liability rates in Springfield, according to Compare.com data. But that doesn’t necessarily mean they’re the best (or cheapest) option for every Springfield driver.
Keep reading to learn the cheapest insurers for different drivers, how to choose the right coverage, and smart ways to save money on your car insurance.
Springfield drivers pay an average of $141 per month for liability insurance and $193 for full coverage.
Average rates skyrocket to $311 per month if you get a DUI.
Massachusetts requires drivers to have at least $25,000/$50,000 of bodily injury liability and $30,000 in property damage liability coverage. You also need $8,000 of personal injury protection (PIP) and $25,000/$50,000 of uninsured motorist protection.
Even with Springfield’s average rates, you can always look for cheaper car insurance. Springfield drivers have many options to save money on premiums, and several companies offer lower-than-average rates.
Here are the cheapest options for car insurance in Springfield, Massachusetts, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $79 |
| Safeco | $126 |
| USAA | $135 |
| GEICO | $135 |
| Liberty Mutual | $164 |
| Allstate | $288 |
| Travelers | $308 |
| Amica | $419 |
Get rates as low as $54 per month.
Your car insurance premium depends on more than just your insurer and location. Factors like your age, driving history, and credit also play major roles in determining costs.
We analyzed Compare.com data to find out which companies offer the cheapest rates in Springfield for various driver profiles and coverage levels. Let’s break down the cheapest options for each driver and coverage type to help you find the right insurer.
While liability insurance meets Massachusetts’ minimum requirements, it covers only the other driver when you cause an accident. You’d have to pay for your injuries and damages out of pocket.
If you need basic insurance that meets Massachusetts’ minimum requirements, we found Springfield’s five cheapest companies for minimum coverage, based on data from Compare.com.
Full-coverage car insurance offers better financial protection than minimum-coverage policies. Full coverage typically includes liability, collision, and comprehensive insurance. Collision insurance covers you if you hit another car or an object like a light pole. Comprehensive insurance covers damages from things like vandalism and severe weather.
If you finance or lease your vehicle, lenders and leasing companies usually require you to buy full coverage.
Here are the five cheapest full-coverage insurers in Springfield, according to Compare.com data.
Teen drivers face some of the highest insurance rates of any age group. Teens get into four times as many fatal crashes as drivers aged 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[2]
But you can still find good deals if you’re a teen driver or have one on your auto policy.
The chart below shows the five cheapest insurers for Springfield teens, according to Compare.com data.
Seniors often pay the lowest car insurance rates of any age group. Seniors tend to drive less frequently and get into fewer accidents.[3] [4]
But even with already low rates, seniors can often find an even better deal with one of the companies in the table below
Here are Springfield’s cheapest insurers for seniors, based on data from Compare.com.
Getting a speeding ticket can raise your rates when it’s time for your policy renewal. Insurers consider you a risky driver after a traffic violation and will raise your rates to cover that extra risk. Our research shows that a single ticket increases average premiums by about 37% nationwide.
But you can still look for below-average rates, even if you’re a risky driver.
The table below shows the five cheapest insurers in Springfield for drivers with a recent ticket, according to Compare.com data.
Your car insurance company will usually raise your rates if you cause an accident. Insurers consider at-fault accidents another sign of risky driving habits. Our research shows that a single at-fault accident increases average premiums by 41% nationwide.
But don’t worry, you might be able to find a cheaper rate with one of the companies in the chart below.
A driving under the influence (DUI) conviction leads to the steepest rate hike of any driving offense. Average rates increase by 61% nationwide after a DUI, according to Compare.com analysis.
But you’re not necessarily stuck with these higher rates. Some insurers specialize in high-risk drivers, including people with DUIs.
The table below shows the five cheapest insurance companies in Springfield for drivers with a DUI conviction, according to Compare.com data.
Find the cheapest rates for the coverage you need in Springfield.
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Like nearly every state, Massachusetts requires all drivers to have car insurance. The state increased its minimum coverage requirements on July 1, 2025. Here’s what you need to legally drive in the Bay State:[5]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $30,000 per accident
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Personal injury protection (PIP): $8,000 per person, per accident
You must meet the state’s coverage requirements to register and drive a vehicle in Massachusetts. The state also requires insurance companies to report active coverage to the Registry of Motor Vehicles.
Massachusetts officials and insurance experts agree — minimum coverage usually falls short in a serious accident. Minimum coverage covers only the other driver’s injuries and damages, and you’d be responsible for anything exceeding your coverage limits.
For example, imagine you cause a crash resulting in $40,000 in medical bills. Even the new limits wouldn’t cover the full cost, forcing you to pay the remaining $15,000 out of pocket.
We answered some of the most common questions about car insurance in Springfield. Check them out below.
Springfield drivers pay an average of $167 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $141 per month, and full coverage costs $193 per month.
It depends. Factors like your driving record, location, and age determine how much you pay for car insurance. Springfield drivers pay an average of $67 per month for car insurance, according to Compare.com data. That’s compared to the national average of $150 per month.
Massachusetts drivers pay an average of $127 per month for car insurance, according to Compare.com data. But your actual rate may vary based on various factors, including your age, location, credit, and driving history.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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