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.
Factors Influencing The Cost of Auto Insurance in Springfield, MA
The average cost of auto insurance in Springfield, MA, is $1,233. This is much lower than the average cost of auto insurance in neighboring places such as East Longmeadow, Longmeadow, West Springfield Town, Chicopee, and Ludlow. The cost of auto insurance in Springfield depends on numerous factors ranging from the make and model of the car to the driver’s age. Below is a list of factors that influence the cost of auto insurance in Springfield.
Deductibles:
The rate of the deductible is one of the most common factors affecting the cost of auto insurance in Springfield. A low deductible tends to increase the cost of auto insurance, while a high deductible decreases it. For instance, in Springfield, the cost of auto insurance for a low deductible, say $500, is $1,686, while it is $1,424, against a higher deductible of $1,000.
Age of the Driver:
The driver’s age is another factor that affects the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of driving experience. With an increase in experience, the cost of auto insurance decreases. As the above infographic indicates, the cost of auto insurance for teenagers in Springfield is $4,001. In contrast, it is lowest for car owners in their fifties and sixties. The former pays $1,087 on an average, while the latter pays $1,102. Women are considered to be safe drivers, which makes auto insurance cheap for them.
Driving Record:
A poor driving record can also lead to a massive increase in auto insurance costs for car owners in Springfield. Post-DUI, the cost of auto insurance increase rises to $2,232. Other major driving violations can also cause a massive increase in rates. Driving with an expired license can increase auto insurance by $831 while speeding and running a red light can increase the cost of auto insurance by $302 and $287, respectively.
Being a safe driver has its benefits since the amount of risk being covered by the insurer is less when the driver does not have too many violations.
Credit Score:
Having an “average” or “poor” credit score can also lead to a massive increase in auto insurance premiums for drivers in Springfield. The cost of auto insurance for drivers with an “average” credit score is $1,676 and $2,011 for drivers with a “poor” credit score.
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 Rates
- Springfield, MA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Springfield, MA
- Multi Vehicle Insurance Savings in Springfield, MA
- How Credit Score Affects Car Insurance Rates in Springfield, MA
- How DUI Affects Auto Insurance Premiums in Springfield, MA
- Top Auto Insurance Agents Near Springfield, MA
- How Driving Violations Affect Auto Insurance Rates in Springfield, MA
- Springfield, MA Auto Insurance Discounts on Anti Theft Feature
- Springfield, MA Auto Insurance Company Reviews
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
ProgressiveThey 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 MutualI 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.
ProgressiveWe 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
TravelersThe 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.
ProgressiveThey 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 CompanyI priced premiums from six different insurance companies with my defined coverages. New York Central Mutual was the cheapest by far.
AllstateThe 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 InsuranceI 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 InsuranceMy 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
GeicoThere 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.