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Get Cheap Car Insurance in Liberty Heights, Springfield, MA

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

 

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The Cheapest Minimum Coverage in Liberty Heights

The chart below shows the cheapest car insurance company in Liberty Heights 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.

 
Liberty Heights Insurer Monthly Cost
Safety Insurance $47
Geico $51
Midvale Home & Auto $60
Travelers $75

Savings for Every Kind of Liberty Heights Driver

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

Based on our extensive insurance data, we know the average Liberty Heights 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 $646 per year by choosing the right vehicle insurance company. Some Liberty Heights residents are paying out over $1,888 extra every year for auto insurance in Liberty Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Liberty Heights, Springfield, MA Savings / Yr.
Drivers with good records
$646
Drivers with accidents
$960
Drivers with speeding tickets
$799
Drivers with a DUI conviction
$1,060
Young drivers
$2,338
Married drivers
$0
Drivers with bad credit
$0

Liberty Heights Car Insurance vs. Springfield

People living in Liberty Heights pay an average of 21.57% more than the typical driver in the state. The average driver in Liberty Heights can expect to pay about $811 per year, or $1,888 for full coverage.

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

Car Insurance Prices by Liberty Heights Neighborhood

Liberty Heights, Springfield, MA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Liberty Heights?

The map shows insurance prices in and around Liberty Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $548 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,174 to a low of $1,626. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of Liberty Heights.

Pick the Best Car Insurance Company for You in Liberty Heights

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 Liberty Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Liberty Heights

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $646 over the average Liberty Heights car insurance company.

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We use the average good driver, paying $104 per month, as our baseline for pricing in Liberty Heights. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Liberty Heights drivers with accidents on their records

In Liberty Heights getting into an accident will raise premiums an average 32% for a yearly cost of $2,772. That's $884 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 $960 over the competition.

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The best car insurance company for Liberty Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $799 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 Liberty Heights, tickets raise premiums on new quotes about $346. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $2,234 per year.

The best auto insurance for Liberty Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,143 per year in auto insurance premiums, which was $1,255 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 $1,060 less each year.

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The least expensive car insurance company for new and young drivers in Liberty Heights

In Liberty Heights, State Farm costs young drivers $2,338 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 Liberty Heights. With an average cost of $6,588 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 Liberty Heights

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

The cheapest car insurance in Liberty Heights 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 Liberty Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Liberty Heights, 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 Liberty Heights.

Nationwide was the best company for customer service in Liberty Heights 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 Liberty Heights, 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 Liberty Heights. 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 Liberty Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 50% of Liberty Heights residents who are renting, and don't plan to be in the neighborhood or city 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 Liberty Heights 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 Liberty Heights, 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 Liberty Heights

What Influences the Cost of Car Insurance in Liberty Heights?

On average, car insurance in Liberty Heights 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 neighborhood are influenced by the following factors:

  • The average commute time in Liberty Heights is 25 minutes, which is far less than average for a driver in the city.
  • 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 B+ according to CrimeGrade.org.
  • Liberty Heights is one of the most densely populated areas in the state. The neighborhood’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 Liberty Heights is $68 per month for minimum coverage and $157 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Liberty Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Liberty Heights 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.