+120 more*These quotes are from Compare.com users in and around Worcester, Massachusetts within the last 10 days. Updated on June 11, 2026
*These quotes are from Compare.com users in and around Worcester, Massachusetts within the last 10 days. Updated on June 11, 2026
The average Worcester driver pays $113 per month for basic liability insurance and $196 per month for full-coverage insurance, according to our data. Compare that to Massachusetts’ statewide averages of $110 and $141 per month, respectively.
Given that Worcester is the second-largest city in Massachusetts, it makes sense that drivers typically pay more for coverage. Insurance companies tend to charge higher rates for drivers in large cities. But fortunately, some insurers may offer rates well below the citywide average.
In this article, we’ll tell you about the cheapest insurers in Worcester for various driver types, how to choose the right company, and how to save on your auto insurance.
The average auto insurance policy runs $154 per month in Worcester.
Worcester teens pay the most for car insurance of any age group, at an average of $203 per month for liability-only coverage. Senior drivers pay the least, averaging $88 per month.
Massachusetts requires that drivers buy 25/50/30 of liability coverage. You also need personal injury protection (PIP) and uninsured/underinsured motorist coverage.[1]
Average car insurance rates may be slightly high in Worcester, but that doesn’t mean you can’t find ways to save on your coverage. Several companies offer rates below the citywide average.
The table below shows the insurers with the lowest average monthly premiums in Worcester, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| USAA | $116 |
| GEICO | $118 |
| Safeco | $132 |
| Progressive | $155 |
| Liberty Mutual | $160 |
| Allstate | $250 |
| Travelers | $268 |
| Embark | $271 |
| Amica | $364 |
While these companies offer the cheapest average rates, they may not be the cheapest option for everyone. Your unique driver profile, including your age, location, and driving record, affects your rates.
Below, we highlight some of the cheapest car insurance companies in Worcester for different drivers and coverage types.
Compare quotes from Worcester’s top insurance companies.
It’s worth getting quotes from the companies above if you’re shopping for new car insurance, but remember that your personal rates will vary widely. That’s because several factors — including your age, driving record, address, and more — will determine your auto premiums.
We’ve included further breakdowns for each driver type in the following sections to help you as you compare options.
State-minimum coverage is typically the cheapest car insurance option for Worcester drivers. That said, experts usually recommend buying more coverage than the state requires. That’s because minimum coverage may not be enough if you get into an accident — especially if you drive a newer car.
Worcester drivers pay an average of $113 per month for minimum liability coverage, according to our research. Massachusetts requires drivers to buy bodily injury and property damage liability insurance, uninsured/underinsured motorist coverage, and PIP.
The chart below shows the five cheapest car insurance companies in Worcester for state-minimum coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| USAA | $116 |
| GEICO | $118 |
| Safeco | $132 |
| Progressive | $155 |
| Liberty Mutual | $160 |
| Allstate | $250 |
| Travelers | $268 |
| Embark | $271 |
| Amica | $364 |
Full-coverage car insurance is more expensive than minimum coverage, but it also offers more financial protection. These policies typically include liability insurance, collision, and comprehensive coverage. Lenders and leasing companies usually require you to buy full coverage if you finance or lease your car.
We found that Worcester drivers pay an average of $196 per month for full-coverage car insurance. But some insurers offer full-coverage policies for close to the average liability rate in Worcester.
Here are Worcester’s five cheapest options for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $101 |
| USAA | $170 |
| GEICO | $171 |
| Safeco | $202 |
| Progressive | $215 |
| Liberty Mutual | $233 |
| Allstate | $367 |
| Travelers | $391 |
| Amica | $532 |
Teenage drivers typically pay the highest insurance rates of any age group. Younger drivers lack experience on the road, making them a higher risk to insure. Teen drivers are four times more likely to get into a crash than drivers aged 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[2]
Our data shows that Worcester teens pay an average of $203 per month for car insurance. But you may be able to find much more affordable rates depending on which company you choose.
The chart below shows the five cheapest insurers in Worcester for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $131 |
| GEICO | $209 |
| USAA | $210 |
| Safeco | $263 |
| Progressive | $271 |
| Liberty Mutual | $274 |
| Embark | $473 |
| Allstate | $485 |
| Travelers | $548 |
| Amica | $660 |
Worcester seniors benefit from some of the lowest rates of any age group. This makes sense since seniors often drive fewer miles and drive less at night, according to the IIHS.[3] That means they’re less likely to get into an accident, so insurance companies view them as a lower risk and charge them less for coverage.
Seniors in Worcester pay an average of $88 per month for car insurance, according to our data. But even with these cheaper rates, you might find cheaper coverage with one of the companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| State Farm | $53 |
| GEICO | $91 |
| USAA | $92 |
| Safeco | $113 |
| Progressive | $128 |
| Liberty Mutual | $130 |
| Allstate | $198 |
| Travelers | $209 |
| Embark | $223 |
| Amica | $278 |
Unfortunately, a speeding ticket will likely hike your insurance rates when your policy renews. Insurance companies view drivers with speeding tickets as having a higher risk of causing an accident, hence the higher rates. Our research shows that a single speeding ticket increases car insurance costs by 37% nationwide.
Worcester drivers with recent tickets pay an average of $151 per month for car insurance, according to our data. But some companies offer lower rates.
Here’s a look at the five cheapest insurance companies for Worcester drivers with a speeding ticket.
Company | Average Monthly Premium |
|---|---|
| State Farm | $89 |
| USAA | $152 |
| GEICO | $157 |
| Safeco | $176 |
| Progressive | $200 |
| Liberty Mutual | $207 |
| Allstate | $330 |
| Embark | $351 |
| Travelers | $353 |
| Amica | $503 |
Worcester drivers who have recently been in an at-fault accident can also expect substantially higher car insurance rates. Nationwide, average car insurance rates increase 41% after an at-fault crash.
Drivers in Worcester who’ve had a recent at-fault accident pay an average of $162 per month for car insurance, according to our research. Fortunately, certain insurers still offer decent deals on auto coverage.
These five companies have the cheapest rates for drivers with a recent at-fault accident.
Company | Average Monthly Premium |
|---|---|
| State Farm | $86 |
| GEICO | $146 |
| USAA | $146 |
| Safeco | $172 |
| Progressive | $178 |
| Liberty Mutual | $199 |
| Embark | $312 |
| Allstate | $315 |
| Travelers | $339 |
| Amica | $469 |
If you’re a Worcester driver with a driving under the influence (DUI) conviction on your record, you’ll likely pay the highest car insurance rates. Average car insurance rates increase by a staggering 61% nationwide after a DUI conviction.
Worcester drivers with a DUI conviction pay an average of $182 per month for car insurance. Because rates can be significantly higher with a past DUI, it’s important to compare your options. Many companies specialize in high-risk drivers (like people with DUIs), so you can still find a good deal on coverage.
This chart shows the five most affordable companies for drivers with a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $104 |
| USAA | $175 |
| GEICO | $177 |
| Safeco | $211 |
| Liberty Mutual | $242 |
| Progressive | $245 |
| Allstate | $378 |
| Travelers | $405 |
| Embark | $428 |
| Amica | $565 |
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Like most states, Massachusetts requires all drivers to buy car insurance. Minimum coverage requirements in the Bay State include:
Bodily injury liability: This coverage protects other drivers and their passengers if you injure them in an accident. In Massachusetts, you need $25,000 per person and $50,000 per accident of bodily injury liability coverage.
Property damage liability: This coverage protects others’ property if you damage it in an accident. Massachusetts drivers need at least $30,000 per accident of property damage liability coverage.
Uninsured/underinsured motorist (UM/UIM): Uninsured/underinsured motorist coverage protects you if another driver who doesn’t have adequate coverage hits your car. You need to buy at least $25,000 per person and $50,000 per accident of (UM/UIM) coverage.
Personal injury protection (PIP): Personal injury protection can cover the cost of your medical bills or lost wages due to a car accident, no matter who’s at fault. You need a minimum of $8,000 of PIP coverage.
Meeting Massachusetts’ state-minimum coverage requirements won’t necessarily give you the most financial protection. For instance, let’s say you cause an accident with $50,000 of damage to the other vehicle. A basic liability with state-minimum limits would cover only $30,000, and you’d have to pay the remaining $20,000 out of pocket.
Plus, if you finance or lease your car, lenders and leasing companies typically require you to buy full coverage to help protect their collateral.
Below are the answers to some of the most common questions from Worcester drivers about car insurance.
Car insurance in Worcester costs an average of $154 per month, according to Comapre.com data. Liability-only coverage costs an average of $113 per month, and full coverage averages $196.
It depends. The cost of your car insurance in Worcester varies depending on several factors, including your address, driving history, and age. Worcester drivers pay an average rate of $154 per month for car insurance, according to Compare.com data. Compare that to the Massachusetts average of $126 per month.
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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