For a 40-year-old driver with a clean record, car insurance in Springfield, MA, averages about $247 a month ($2,965 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 36% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average of the five insurers we price, at about $162 a month.
Springfield costs more than all but 18 of the 285 Massachusetts places we price for our benchmark driver: about $65 a month more than the Massachusetts average. Of the 15 Hampden County places we price, only Springfield’s Indian Orchard neighborhood (ZIP code 01151), which has its own mailing name, costs more, at $249 a month; our Springfield figures cover the eight ZIP codes with a Springfield mailing address. Hampden County is the second-most expensive of the 14 counties, after Suffolk.
All eight Springfield ZIP codes in our data (01104, 01105, 01107, 01108, 01109, 01118, 01119 and 01129) are priced the same for our benchmark driver, about $247 a month for full coverage, so there’s no ZIP code table on this page. What matters in Springfield is the insurer: Plymouth Rock averages about $162 a month and Arbella $338 for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Springfield ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Springfield averages $2,965 a year, or about $247 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,206 a year ($101 a month), and 50/100/50 liability with comprehensive and collision averages $2,886 ($241 a month).
Plymouth Rock has the lowest full-coverage average among the five insurers in our Springfield rate data. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $69 a month, followed by GEICO at $94.
Full-coverage averages by insurer in Springfield
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $832 | $69 | $1,949 | $162 |
| Progressive | $1,397 | $116 | $2,597 | $216 |
| GEICO | $1,131 | $94 | $2,731 | $228 |
| Safety Insurance | $1,187 | $99 | $3,489 | $291 |
| Arbella | $1,485 | $124 | $4,057 | $338 |
| USAA (military families)* | $965 | $80 | $2,002 | $167 |
| Norfolk & Dedham* | $1,526 | $127 | $3,275 | $273 |
| Amica* | $1,462 | $122 | $3,422 | $285 |
| Travelers* | $1,992 | $166 | $3,893 | $324 |
| Allstate* | $1,981 | $165 | $4,265 | $355 |
| Springfield average | $1,206 | $101 | $2,965 | $247 |
This table uses Springfield ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $79 a year on average in our Springfield data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Plymouth Rock and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Springfield ZIP codes, full coverage averaged $2,937 a year in rates as of Nov. 30, 2025, and $2,965 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.7% and Safety Insurance 2.5%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 0.8%, led by Plymouth Rock, which raised its liability-only average 5.9%.
Hampden County averages about $204 a month for full coverage. Holyoke averages $213, Chicopee $192 and West Springfield $191, while Monson ($153), Westfield ($155) and Palmer ($162) cost the least in the county.
Plymouth Rock’s lead over the next insurer we rank, Progressive at $216 a month, is about 25%, the widest of the 16 Massachusetts cities with an InsuranceQuotes guide. Massachusetts insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Worcester, about 42 miles east, averages $213 a month, and Framingham, about 60 miles east, $189. Closer to Springfield, Chicopee, about three miles north, averages $192, West Springfield, about two miles west, $191, and Longmeadow, about four miles south, $164.
Drivers in Springfield follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Springfield averages about $247 a month ($2,965 a year) and liability-only coverage at 20/40/5 limits about $101 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 36% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average in our Springfield rate data, at about $162 a month, followed by Progressive at $216 among insurers open to all drivers. USAA*, which sells only to military families, is priced at about $167 a month from published rate studies. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $69 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. All 13 Hampden County places we price outside the city cost less than Springfield, where full coverage averages about $247 a month: Holyoke averages about $213, Chicopee $192, West Springfield $191, Agawam $177, Ludlow $176, East Longmeadow $172, Wilbraham $166 and Longmeadow $164.
Yes, in our data. All eight Springfield ZIP codes we price (01104, 01105, 01107, 01108, 01109, 01118, 01119 and 01129) average about $247 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
In our Springfield data, full coverage (100/300/100 with $500 deductibles) averages about $247 a month and liability-only coverage at 20/40/5 limits about $101, a difference of about $146 a month ($1,759 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Springfield full coverage rose 1.0% between November 2025 and August 2026, from about $2,937 to $2,965 a year. Plymouth Rock raised its average 2.7% and Safety Insurance 2.5%. Liability-only coverage at 20/40/5 limits rose 0.8%.
