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Get Cheap Car Insurance in Worcester, NY
We monitor insurance prices, helping the average driver in Worcester save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Worcester
The chart below shows the cheapest car insurance company in Worcester 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Worcester Insurer | Monthly Cost |
|---|---|
| Kemper | $80 |
| Plymouth Rock Assurance | $107 |
| Safeco Insurance | $115 |
| Geico | $120 |
Savings for Every Kind of Worcester Driver
Based on our extensive insurance data, we know the average Worcester driver will save about 30% 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, credit score, marital status, and age. The average driver will find themselves saving $650 per year by choosing the right vehicle insurance company. Some Worcester residents are paying out over $2,180 extra every year for auto insurance in Worcester. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Worcester, NY Savings / Yr. |
|---|---|
$650 |
|
$414 |
|
$828 |
|
$838 |
|
$2,053 |
|
$687 |
|
$1,094 |
Worcester Car Insurance vs. New York
People living in Worcester pay an average of 10.10% less than the typical driver in the state. The average driver in Worcester can expect to pay about $1,581 per year, or $2,180 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Worcester for most people.
Car Insurance Prices by Worcester Neighborhood
Insurance Prices
Where is insurance cheapest within Worcester?
The map shows insurance prices in and around Worcester, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $302 per year within the city boundaries, with insurance premiums ranging from a high of $2,413 to a low of $2,111. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Worcester.Pick the Best Car Insurance Company for You in Worcester
The best car insurance provider for most drivers in Worcester
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $650 over the average Worcester car insurance company.
The best car insurance provider for Worcester drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $414 over the competition.
The best car insurance company for Worcester drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $828 better than other car insurance companies.
The best auto insurance for Worcester drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $838 less each year.
The least expensive car insurance company for new and young drivers in Worcester
In Worcester, Progressive costs young drivers $2,053 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Worcester
Progressive gave the largest car insurance discounts to married couples, averaging $687 saved each year compared to an average Worcester couple's premiums.
The cheapest car insurance in Worcester for drivers with bad credit
The best Worcester car insurance company for customer service
Recent price drops
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The cheapest large national provider in Worcester
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Worcester driver can expect to pay about $183 per month.
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 Worcester, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Worcester
What Influences the Cost of Car Insurance in Worcester?
On average, car insurance in Worcester is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Worcester are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Worcester is one of the most densely populated areas in the state. The city’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 Worcester is $132 per month for minimum coverage and $182 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 Cities
- East Worcester: Insurance costs 0.09% less
- Tuscan: Insurance costs 2.52% less
- South Worcester: Insurance costs 0.92% more
- Lutheranville: Insurance costs 0.18% more
- Schenevus: Insurance costs 2.66% less
- Gothicville: Insurance costs 10.69% more
- Charlotteville: Insurance costs 0.46% less
- Simpsonville: Insurance costs 3.17% less
- Westford: Insurance costs 3.85% more
- Middlefield: Insurance costs 2.57% less
Cities with Similar Populations
- Bayfield: Insurance costs 46.83% less
- Beaumont: Insurance costs 24.59% less
- Beverly: Insurance costs 49.17% less
- Blue Ridge Summit: Insurance costs 40.78% less
- Browns Valley: Insurance costs 14.04% less
- Buras: Insurance costs 53.39% more
- Cambria: Insurance costs 33.39% less
- Cecil: Insurance costs 38.62% less
- Chester: Insurance costs 23.21% less
- Choteau: Insurance costs 25.73% less