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Get Cheap Car Insurance in Metro Center, Springfield, MA

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

 

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The Cheapest Minimum Coverage in Metro Center

The chart below shows the cheapest car insurance company in Metro Center 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.

 
Metro Center Insurer Monthly Cost
Safety Insurance $50
Geico $54
Midvale Home & Auto $64
Travelers $80

Savings for Every Kind of Metro Center Driver

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

Based on our extensive insurance data, we know the average Metro Center 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 $689 per year by choosing the right vehicle insurance company. Some Metro Center residents are paying out over $2,015 extra every year for auto insurance in Metro Center. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Metro Center, Springfield, MA Savings / Yr.
Drivers with good records
$689
Drivers with accidents
$1,025
Drivers with speeding tickets
$852
Drivers with a DUI conviction
$1,131
Young drivers
$2,495
Married drivers
$0
Drivers with bad credit
$0

Metro Center Car Insurance vs. Springfield

People living in Metro Center pay an average of 29.75% more than the typical driver in the state. The average driver in Metro Center can expect to pay about $865 per year, or $2,015 for full coverage.

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

Car Insurance Prices by Metro Center Neighborhood

Metro Center, Springfield, MA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Metro Center?

The map shows insurance prices in and around Metro Center, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $359 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,174 to a low of $1,815. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Metro Center.

Pick the Best Car Insurance Company for You in Metro Center

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 Metro Center insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Metro Center

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $689 over the average Metro Center car insurance company.

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We use the average good driver, paying $111 per month, as our baseline for pricing in Metro Center. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Metro Center drivers with accidents on their records

In Metro Center getting into an accident will raise premiums an average 32% for a yearly cost of $2,958. That's $943 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 $1,025 over the competition.

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The best car insurance company for Metro Center drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $852 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 Metro Center, tickets raise premiums on new quotes about $370. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $2,385 per year.

The best auto insurance for Metro Center drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,354 per year in auto insurance premiums, which was $1,339 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 $1,131 less each year.

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The least expensive car insurance company for new and young drivers in Metro Center

In Metro Center, State Farm costs young drivers $2,495 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 Metro Center. With an average cost of $7,031 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 Metro Center

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

The cheapest car insurance in Metro Center 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 Metro Center car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Metro Center, 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 Metro Center.

Nationwide was the best company for customer service in Metro Center 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 Metro Center, 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 Metro Center. 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 Metro Center

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 92% of Metro Center 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 Metro Center 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 Metro Center, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Metro Center

What Influences the Cost of Car Insurance in Metro Center?

On average, car insurance in Metro Center 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 Metro Center is 28 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 very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Metro Center is a fairly densely populated area 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 Metro Center is $72 per month for minimum coverage and $168 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 Metro Center driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Metro Center 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.