Car Insurance in Worcester, MA

Comparing costs side by side can help you find the best deals on car insurance in Worcester, MA.
Compare, shop and customize quotes from top-rated insurance carriers.

Auto Insurance in Worcester That Fits Your Budget

Worcester, Massachusetts, is a mid-sized city located in the middle of the state. Its population of just over 200,000 mostly drives alone to work, and that results in a commute time of just over 24 minutes on average. With nearly an hour on the road going to and from work every day before you figure in errands and social activities, local drivers need robust car insurance in Worcester, MA, and VIU by HUB can help you compare quotes to find the right policy.

Protect Your Car in Every Season

Traffic accidents in Massachusetts have become more common in recent years, with severe accidents and deaths setting new records in both 2021 and 2022. That makes it more important than ever for every driver to have the right insurance protection and the right defensive driving strategy. The local weather is rarely severe enough to cause property damage, but winter storms and summer fog can still make driving perilous. Protect yourself with car insurance for Worcester, MA, that fits your driving style and your vehicle.

Coverage Costs in Worcester, MA

The average cost for all auto policies in Massachusetts is 21% higher than the national average. When you break down the difference between the cost of the state's minimal insurance requirements and the cost of the average comprehensive auto policy, it's clear that you can easily find auto insurance that fits any budget, you just have to adjust your coverage options. Comprehensive coverage often costs three or four times the state's minimum coverage.

Core Auto Coverage for Massachusetts

Cars registered in this state need to carry four specific kinds of coverage at or above the coverage levels specified in the legislation :

  • Bodily injury to others at $20,000 per person/$40,000 per accident
  • Personal injury protection at or above $8,000 per person per accident
  • Uninsured motorist coverage at $20,000 per person/$40,000 per accident
  • Property damage (to others) at $5,000 per accident

Full coverage usually includes comprehensive coverage at limits that protect your vehicle's value, with deductibles between $100 and $500, as well as coverage well above the state's requirements for these required insurance types. Adding optional coverage beyond collision or comprehensive damage protection for your vehicle will add to your price, even above the estimate for full coverage.

Optional Auto Coverage Provisions

If you use your vehicle for ridesharing income or app-based deliveries, you might want to consider adding a rideshare policy. While many of these services have some basic coverage for their contractors, your personal insurance policy typically excludes coverage for accidents that happen while you are on duty and using your vehicle for business. Without additional protection of your own, you run the risk of having to cover any costs that the platform's policy does not.

Many drivers also opt for add-ons that save time and trouble when your vehicle malfunctions. Roadside assistance is one example, and those who travel a lot will find many insurance companies also offer cost-sharing for overnight stays when you need repairs on the road. Even without that luxury, it's a good idea to consider coverage that takes care of rental cars whenever yours is in the shop.

Find Budget Friendly Car Insurance Quotes in Worcester, MA

When you search for car insurance in Worcester, MA, with VIU by HUB, you have the chance to see how the top auto insurance companies in Massachusetts quote similar coverage options. That means you can change your coverage levels to find the best balance of protection and cost, and you might be surprised by what you find.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA



Auto insurance in Massachusetts by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.