Best Cheap Car Insurance in Springfield, Massachusetts | Bankrate

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Best cheap car insurance companies in Springfield

state farm, Plymouth Rock, Safety, Geico and The Norfolk & Dedham Group are among the cheapest policy companies in Springfield, according to Bankrate ’ s 2021 analysis of quadrant rates. Our policy column 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 ) fiscal persuasiveness ratings were assessed in combination with average rates and customer gratification 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 brassy car policy providers in the area .

State Farm

state farm is the largest car indemnity provider in the U.S., but it besides provides some of the cheapest car indemnity in Springfield. In accession to being one of the cheapest cable car indemnity companies, State Farm earns a 4.5 out of 5.0 Bankrate Score, partially due to being one of the highest rat insurance providers in the 2021 J.D. Power Auto Insurance Study. It besides receives a A++ ( Superior ) rate from AM Best, indicating its remarkable fiscal strength. A majority of State Farm ’ randomness discounts are for condom drive, which may not be the best choice for drivers without a clean drive record. however, if you like having options to discuss coverage with your agent via the customer service wrinkle, on-line or mobile app, State Farm offers these options. Learn more: State Farm Insurance Review

Plymouth Rock

Plymouth Rock is a regional carrier merely available in Massachusetts, New Jersey, Connecticut, New Hampshire, New York and Pennsylvania. Of all the indemnity carriers, Plymouth Rock offers the lowest average cost of car indemnity in Springfield for minimum coverage at $ 468 per year. It besides maintains an A- ( Excellent ) AM Best rate for fiscal military capability.

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 besides very ill rated, receiving a 1.3 out of 5 stars on the App Store, although it does provide digital ID cards and smartphone bill requital. Learn more: Plymouth Rock Insurance Review


guard offers a full-bodied range of car indemnity options for residents of Massachusetts, Maine and New Hampshire. In addition to having some of the cheapest rates in Springfield, it besides earns an A ( Excellent ) AM Best rate for fiscal strength. One of Safety ’ s standout features is the hanker number of coverage for car policies, ranging from towing and undertaking to pet policy if pets are traveling in the fomite. Although Safety does offer a mobile app, policyholders may be disappointed with its 2.6 out of 5 star denounce on the App shop, with several damaging reviews citing the inability to access account information as the exceed frustration. however, there are multiple options to access customer service, including through the app, telephone or on-line. Learn more: Safety Insurance reappraisal


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 fiscal persuasiveness, with an A++ ( Superior ) AM Best rat. Its big number of discounts is besides 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 ). presently, Geico earns a 1.70 evaluation, which is quite a bite higher than the 1.0 baseline. however, Geico does offer multiple ways to contact customer service, including through the app, on-line or calling an agentive role. Learn more: Geico Insurance Review

The Norfolk & Dedham Group

The Norfolk & Dedham Group is a local anesthetic mailman that relies on a bombastic local agent network, providing a viable option for customers who prefer more personalized serve. It besides offers a large image of car policy products and options, including accident forgiveness and discounts for paying in wide in advance. It earns an A ( Excellent ) AM Best evaluation, highlighting its fiscal potency. The Norfolk & Dedham Group offers a mobile app and on-line portal for policy management. The app may be a more commodious choice for many policyholders, although it presently earns only a 2.7 out of 5 star rate on the App Store, which may indicate frustration with its interface .

How to get and keep the cheapest car insurance in Springfield

When shop for the cheapest car policy, Springfield drivers should consider keeping the following strategies in judgment :

  • 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 retainer go into determining the best car insurance caller for your drive needs and fiscal position. Reviewing quotes from multiple carriers, coverage options, available discounts and third-party ratings is frequently an effective method. You may besides 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 indemnity, it helps to take advantage of all eligible discounts offered by the carrier. For model, there may be options to earn more discounts by taking a defensive drive course or going paperless. Another option is to raise your deductibles if you have comprehensive and collision policy. 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 sheath of a claim .

How can I get car insurance online?

many carriers offer opportunities to obtain quotes on-line by submitting some standard personal and vehicle information. From there, you could purchase a policy or contact a license indemnity agent to help answer questions. Most companies allow you to start the quote serve on-line and complete by setting up a call .


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 drive record, good credit rating and the follow 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 of matter ’ sulfur 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 chiefly reflect a slant rank and file of industry-standard ratings for fiscal military capability and customer know in addition to psychoanalysis 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 fiscal protective covering covers the likeliest risks, is priced competitively and is provided by a financially-sound caller with a history of positive customer support. To determine how well the best car policy 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 retainer 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, insurance company handiness, affordability and customer experience are often the top priorities, Bankrate besides analyzed each insurance company ’ randomness on-line and fluid resources for policy management and claims handling. indemnity is quickly evolving to keep pace with our digital world, so these aspects besides carried system of weights in determining Bankrate Scores .

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