Springfield Auto Insurance Rates, Quotes, Agents & Reviews in MA

Springfield, MA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Springfield, MA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Springfield, MA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Springfield, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Springfield, MA with that of other cities in and around Springfield.

Springfield East Longmeadow Longmeadow West Springfield Town Chicopee Ludlow
Average Insurance Rates $1,233 $1,978 $1,676 $2,270 $1,185 $2,169

Springfield, MA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Springfield, MA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Springfield $1,686 $1,424
East Longmeadow $1,265 $1,068
Chicopee $2,229 $1,883
Longmeadow $1,481 $1,251
Hampden County $1,060 $895
Wilbraham $998 $843
West Springfield Town $1,164 $983
Ludlow $1,608 $1,358

Springfield, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Springfield, MA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,001
20 Years $1,584
30 Years $1,220
40 Years $1,174
50 Years $1,087
60 Years $1,102
70 Years $1,283

Springfield, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Springfield, MA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,145 $321
3 Vehicles $3,218 $481
4 Vehicles $4,291 $641

Savings on 2 Vehicles bundle:$321

Savings on 3 Vehicles bundle:$481

Savings on 4 Vehicles bundle:$641

Springfield, MA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Springfield, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Springfield $1,233 $2,232
East Longmeadow $1,978 $3,581
Chicopee $1,185 $2,146
Longmeadow $1,676 $3,035
Hampden County $2,290 $4,146
Wilbraham $1,289 $2,334
West Springfield Town $2,270 $4,110
Ludlow $2,169 $3,927

Springfield, MA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,058
Excellent (740-799) $1,208
Good (670-739) $1,285
Average (580-669) $1,676
Poor (300-579) $2,011

Springfield, MA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ross Insurance Agency Inc Liberty Mutual Independent 150 LOWER WESTFIELD RD STE 2, HOLYOKE, 1040 413-536-8380
John Slosek Jr Allstate 799 Front St, Chicopee, 1020 (413) 331-3900
John Slosek Jr Allstate 799 Front St, Chicopee, 1020 (413) 331-3900
John Slosek Jr Allstate 799 Front St, Chicopee, 1020 (413) 331-3900
Shaun Beauregard Liberty Mutual 771 Southbridge Street, Auburn, 1501 1-508-755-7326
Mancuso-Nowak Insurance Agency Liberty Mutual Independent JOE MANCUSO 252 BOSTON TURNPIKE, SHREWSBURY, 1545 508-756-4310
Pettengill Insurance Agency Inc None 460 Newton St , South Hadley, 1075 None
Rosanne Hamblin Lutcf Liberty Mutual 112 Turnpike Rd 2Nd Floor, Westborough, 1581 1-508-836-4195
Therich Besong Allstate 455 Lincoln St, Worcester, 1605 (508) 852-2222
J F Cove Insurance Agency Inc None P O Box 346, uxbridge, 1569 None
C D Whitney Agcy Inc Travelers 112 ELM ST, MILLBURY, 1527 508-865-4433

Springfield, MA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$54 $1,287
Driver's Failure In Showing Documents +$120 $1,353
Driving With An Expired Registration +$127 $1,360
Driving At A Considerably Slow Pace +$268 $1,501
Using A Cellphone While Driving +$282 $1,515
Running A Red Light +$287 $1,520
Speeding +$302 $1,535
Driving A Vehicle Without The Required Permission +$383 $1,616
Driving With An Expired/Suspended License +$831 $2,064

Springfield, MA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,184
Active Disabling Device $1,184
Tracking Device $1,159
Passive Disabling Device $1,147

Latest Auto Insurance Reviews in Springfield, MA | Back to Top

They were very focused on getting the case closed as quickly as possible. Even though the events that lead to the crash could be interpreted in different ways.
Liberty Mutual
I am not satisfied, as I have an 18 year old who has been driving for two and a half years now, has never had an accident or a ticket, and it's crazy outrageously priced.
We have a low deductible for comprehensive and collision of 250 for each.We are planning to try their snapshot program to get the rate down even more
The premium is discounted by having multiple cars and also home insurance with the same company. The deductible is variable and so is full glass after the car is fully owned.
They offer a plug in device which monitors driving for six months. Based on the submitted results rates can be lowered up to seven percent.
Narragansett Bay Insurance Company
I priced premiums from six different insurance companies with my defined coverages. New York Central Mutual was the cheapest by far.
The customer service is always awful! The support service talks down to people and makes it feel like they are having a hard time doing their jobs. They talk like you are inconveniencing them.
Aarp Auto Insurance
I like how you have the option of paying your auto insurance bill monthly or bi-annually for $18 less. The discounts I receive for bundling my homeowner's insurance, accident free driving record, and longevity with the company are pretty substantial in my book.
Arbella Insurance
My premium is roughly $1200 a year which works out to be about $100 a month which is pretty good. It has not gone down in a few years which makes me unhappy
There is an app for GEICO that you can put on your phone but I uninstalled it since I would MUCH rather have a REAL PERSON.