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Get Cheap Car Insurance in Hampden County, MA

We monitor insurance prices, helping the average driver in Hampden County save up to 35.5% on car insurance.

 

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The Cheapest Minimum Coverage in Hampden County

The chart below shows the cheapest car insurance company in Hampden County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.

 
Hampden County Insurer Monthly Cost
Safety Insurance $42
Geico $45
Midvale Home & Auto $53
Travelers $66

Savings for Every Kind of Hampden County Driver

The table shows how much the average auto insurance customer in Hampden County might save by following our recommendations.

Based on our extensive insurance data, we know the average Hampden County driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $570 per year by choosing the right vehicle insurance company. Some Hampden County residents are paying out over $1,666 extra every year for auto insurance in Hampden County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hampden County, MA Savings / Yr.
Drivers with good records
$570
Drivers with accidents
$848
Drivers with speeding tickets
$705
Drivers with a DUI conviction
$936
Young drivers
$2,063
Married drivers
$0
Drivers with bad credit
$0

Hampden County Car Insurance vs. Massachusetts

People living in Hampden County pay an average of 7.29% more than the typical driver in the state. The average driver in Hampden County can expect to pay about $716 per year, or $1,666 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Hampden County for most people.

Car Insurance Prices by Hampden County Neighborhood

Hampden County, MA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hampden County?

The map shows insurance prices in and around Hampden County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $737 per year within the county boundaries, with insurance premiums ranging from a high of $2,193 to a low of $1,456. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Hampden County.

Pick the Best Car Insurance Company for You in Hampden County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hampden County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hampden County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $570 over the average Hampden County car insurance company.

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We use the average good driver, paying $91 per month, as our baseline for pricing in Hampden County. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Hampden County drivers with accidents on their records

In Hampden County getting into an accident will raise premiums an average 32% for a yearly cost of $2,446. That's $780 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Safety Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $848 over the competition.

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The best car insurance company for Hampden County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $705 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hampden County, tickets raise premiums on new quotes about $306. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $1,972 per year.

The best auto insurance for Hampden County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,773 per year in auto insurance premiums, which was $1,107 more than a driver with no major issues. State Farm, Geico, and Progressive penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $936 less each year.

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The least expensive car insurance company for new and young drivers in Hampden County

In Hampden County, State Farm costs young drivers $2,063 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Hampden County. With an average cost of $5,814 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Plymouth Rock Assurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hampden County

The state of Massachusetts does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Hampden County for drivers with bad credit

The state of Massachusetts does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Hampden County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hampden County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Hampden County.

Nationwide was the best company for customer service in Hampden County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hampden County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hampden County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hampden County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 37% of Hampden County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hampden County driver can expect to pay about $85 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hampden County, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Hampden County

What Influences the Cost of Car Insurance in Hampden County?

On average, car insurance in Hampden County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Hampden County is 28 minutes, which is a little less than average for a driver in the state.
  • Massachusetts state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Hampden County has an average population density in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Hampden County is $60 per month for minimum coverage and $139 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Hampden County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hampden County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.