November 29, 2021

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Best Cheap Car Insurance in Springfield, Massachusetts – Bankrate

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The cheapest car insurance company in Springfield, Massachusetts, for full coverage is State Farm, according to Bankrate’s 2021 study of quoted annual premiums. The best car insurance in Springfield combines solid customer service and financial strength along with cheap rates. Drivers in Springfield pay on average $1,695 per year for a full coverage policy, or about $141 per month, making finding cheap coverage an important part of personal financial management for many drivers.

To find the most affordable and best car insurance companies in Springfield, Bankrate reviewed a number of factors, including rates, customer service ratings, financial strength indicators and coverage options. While cheap car insurance companies are readily available, finding one that offers extensive coverage and excellent customer service can be another challenge. Our research could make your search one step easier.

Best cheap car insurance companies in Springfield

State Farm, Plymouth Rock, Safety, Geico and The Norfolk & Dedham Group are among the cheapest insurance companies in Springfield, according to Bankrate’s 2021 analysis of Quadrant rates. Our insurance editorial team reviewed third-party ratings, including each company’s J.D. Power customer satisfaction scores in the New England region. Additionally, AM Best and Standard & Poor’s (S&P) financial strength ratings were assessed in combination with average rates and customer satisfaction to calculate a Bankrate Score out of 5.0 points for each insurance provider. Drivers in Springfield can use this information to find the best cheap car insurance providers in the area.

Insurance company Bankrate Score J.D. Power score (New England) Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.5 855/1,000 $1,090 $548
Plymouth Rock 4.7 804/1,000 $1,136 $468
Safety 3.6 817/1,000 $1,188 $598
Geico 4.5 841/1,000 $1,546 $916
The Norfolk & Dedham Group 2.8 Not rated $1,716 $770

State Farm

State Farm is the largest auto insurance provider in the U.S., but it also provides some of the cheapest car insurance in Springfield. In addition to being one of the cheapest car insurance companies, State Farm earns a 4.5 out of 5.0 Bankrate Score, partly due to being one of the highest rated insurance providers in the 2021 J.D. Power Auto Insurance Study. It also receives a A++ (Superior) rating from AM Best, indicating its remarkable financial strength.

A majority of State Farm’s discounts are for safe driving, which may not be the best option for drivers without a clean driving record. However, if you like having options to discuss coverage with your agent via the customer service line, online or mobile app, State Farm offers these options.

Learn more: State Farm Insurance Review

Plymouth Rock

Plymouth Rock is a regional carrier only available in Massachusetts, New Jersey, Connecticut, New Hampshire, New York and Pennsylvania. Of all the insurance carriers, Plymouth Rock offers the lowest average cost of car insurance in Springfield for minimum coverage at $468 per year. It also maintains an A- (Excellent) AM Best rating for financial strength.

Plymouth Rock has some of the lowest scores among the J.D. Power rankings, which could indicate a challenge with its customer service. The mobile app is also very poorly rated, receiving a 1.3 out of 5 stars on the App Store, although it does provide digital ID cards and smartphone bill payment.

Learn more: Plymouth Rock Insurance Review

Safety

Safety offers a robust range of auto insurance options for residents of Massachusetts, Maine and New Hampshire. In addition to having some of the cheapest rates in Springfield, it also earns an A (Excellent) AM Best rating for financial strength. One of Safety’s standout features is the long list of coverage for auto policies, ranging from towing and labor to pet insurance if pets are traveling in the vehicle.

Although Safety does offer a mobile app, policyholders may be disappointed with its 2.6 out of 5 star rating on the App store, with several negative reviews citing the inability to access account information as the top frustration. However, there are multiple options to access customer service, including through the app, telephone or online.

Learn more: Safety Insurance review

Geico

Although Geico has one of the most expensive rates in Springfield on average on our list, the carrier offers multiple advantages for policyholders. It receives some of the highest scores in customer satisfaction and financial strength, with an A++ (Superior) AM Best rating. Its large number of discounts is also another attractive feature, ranging from savings for bundling to affiliations and employer discounts.

One challenge facing Geico is the number of complaints registered with the National Association of Insurance Commissioners (NAIC). Currently, Geico earns a 1.70 rating, which is quite a bit higher than the 1.0 baseline. However, Geico does offer multiple ways to contact customer service, including through the app, online or calling an agent.

Learn more: Geico Insurance Review 

The Norfolk & Dedham Group

The Norfolk & Dedham Group is a local carrier that relies on a large local agent network, providing a viable option for customers who prefer more personalized service. It also offers a large range of auto insurance products and options, including accident forgiveness and discounts for paying in full in advance. It earns an A (Excellent) AM Best rating, highlighting its financial strength.

The Norfolk & Dedham Group offers a mobile app and online portal for policy management. The app may be a more convenient option for many policyholders, although it currently earns only a 2.7 out of 5 star rating on the App Store, which may indicate frustration with its interface.

How to get and keep the cheapest car insurance in Springfield

When shopping for the cheapest car insurance, Springfield drivers should consider keeping the following strategies in mind:

  • Shop around with multiple carriers. The rates from one insurance provider to another can be surprisingly different. Shopping around not only enables you to compare available coverage options, but also reveals which carrier offers the lowest rates for your driver profile.
  • Remain claims-free. One of the best methods for maintaining lower premiums is to maintain a claims-free and accident-free driving record. Not only do drivers with safe driving habits tend to get the cheapest rates from a carrier, there is also the potential to earn additional safe driving discounts.

Frequently asked questions

What is the best car insurance company?

Many points of consideration go into determining the best car insurance company for your driving needs and financial situation. Reviewing quotes from multiple carriers, coverage options, available discounts and third-party ratings is often an effective method. You may also want to consider the communication assets of each carrier, such as its mobile app or how easy it is to reach customer service.

How can I lower my car insurance rates in Springfield?

To lower your car insurance, it helps to take advantage of all eligible discounts offered by the carrier. For example, there may be options to earn more discounts by taking a defensive driving course or going paperless. Another option is to raise your deductibles if you have comprehensive and collision insurance. The higher the deductible, which is your out-of-pocket costs for a claim, the lower the premiums will be. However, you’ll want to ensure you have enough to pay the higher expense in case of a claim.

How can I get car insurance online?

Many carriers offer opportunities to obtain quotes online by submitting some standard personal and vehicle information. From there, you could purchase a policy or contact a licensed insurance agent to help answer questions. Most companies allow you to start the quote process online and finish by setting up a call.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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