For a 40-year-old driver with a clean record, car insurance in Worcester, MA, averages about $213 a month ($2,558 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Worcester table, at about $167 a month.
Worcester is the most expensive of the 45 Worcester County places we price, at about $31 a month more than the Massachusetts average for our benchmark driver. Leicester, at $184 a month, is next, and suburbs such as Shrewsbury ($169) and Holden ($157) cost much less.
Our data covers eight ZIP codes with a Worcester mailing address, priced within about $7 a month of each other, so in Worcester the insurer you choose matters far more than the neighborhood: the five insurers we price run from about $167 to $260 a month for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Worcester 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 Worcester averages $2,558 a year, or about $213 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $963 a year ($80 a month), and 50/100/50 liability with comprehensive and collision averages $2,505 ($209 a month).
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Worcester table. USAA*, which sells only to military families, is priced from published rate studies at about $163 a month, below Plymouth Rock; we don’t rank it. 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 $64 a month, followed by Arbella at $72.
Full-coverage averages by insurer in Worcester
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 | $764 | $64 | $2,009 | $167 |
| Progressive | $1,207 | $101 | $2,436 | $203 |
| Arbella | $859 | $72 | $2,564 | $214 |
| GEICO | $931 | $78 | $2,655 | $221 |
| Safety Insurance | $1,055 | $88 | $3,125 | $260 |
| USAA (military families)* | $833 | $69 | $1,954 | $163 |
| Norfolk & Dedham* | $1,318 | $110 | $3,196 | $266 |
| Amica* | $1,263 | $105 | $3,339 | $278 |
| Travelers* | $1,720 | $143 | $3,798 | $317 |
| Allstate* | $1,711 | $143 | $4,161 | $347 |
| Worcester average | $963 | $80 | $2,558 | $213 |
This table uses Worcester ZIP codes only. See how we calculated these rates.
Across the eight Worcester ZIP codes we price, full coverage for our driver ranges from about $209 a month in 01606 to $216 in 01603, a gap of $89 a year. 01606, on the city’s north side, is the least expensive Worcester ZIP code in our data, and 01603, southwest of downtown, the most expensive.
Lowest-priced Worcester ZIP code
Highest-priced Worcester ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Worcester’s average.
| ZIP Code: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 01602 | $962 | $80 | $2,551 | $213 | About average |
| 01603 | $969 | $81 | $2,595 | $216 | +1% |
| 01604 | $962 | $80 | $2,551 | $213 | About average |
| 01605 | $962 | $80 | $2,551 | $213 | About average |
| 01606 | $940 | $78 | $2,506 | $209 | -2% |
| 01607 | $958 | $80 | $2,541 | $212 | About average |
| 01609 | $976 | $81 | $2,584 | $215 | +1% |
| 01610 | $976 | $81 | $2,584 | $215 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $53 a year on average in our Worcester data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges 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 Worcester ZIP codes, full coverage averaged $2,530 a year in rates as of Nov. 30, 2025, and $2,558 as of Aug. 31, 2026, a 1.1% increase. Plymouth Rock raised its average 3.0% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.0%, led by Plymouth Rock, which raised its liability-only average 7.0%.
Worcester County averages about $166 a month for full coverage, the eighth-most expensive of the 14 Massachusetts counties we price, and Worcester costs about $47 a month more than its county’s average. Auburn averages $173, Millbury $168 and West Boylston $151.
Since 2008, Massachusetts insurers have set their own rates, each approved first by the Division of Insurance, so the same Worcester driver can pay very different prices: Plymouth Rock averages about $167 a month here and Safety Insurance $260, a gap of $1,116 a year.
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.
Framingham, about 20 miles east, averages $189 a month, and Lowell, about 35 miles northeast, $203. Boston, about 40 miles east, averages $252 across its 24 ZIP codes, and Springfield, about 42 miles west, $247. Shrewsbury, about five miles northeast, averages $169.
Drivers in Worcester 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 Worcester averages about $213 a month ($2,558 a year) and liability-only coverage at 20/40/5 limits about $80 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Worcester table, at about $167 a month, followed by Progressive at $203. USAA*, which sells only to military families, is priced from published rate studies at about $163 a month, below Plymouth Rock; we don’t rank it. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $64 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. Every other Worcester County place we price costs less than Worcester, where full coverage averages about $213 a month: Leicester averages about $184, Auburn $173, Shrewsbury $169, Millbury $168 and Holden $157.
In our data, 01606 has the lowest full-coverage average in Worcester, at about $209 a month, and 01603 the highest, at about $216. The ZIP code table on this page lists all eight.
In our Worcester data, full coverage (100/300/100 with $500 deductibles) averages about $213 a month and liability-only coverage at 20/40/5 limits about $80, a difference of about $133 a month ($1,595 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, Worcester full coverage rose 1.1% between November 2025 and August 2026, from about $2,530 to $2,558 a year. Plymouth Rock raised its average 3.0% and Safety Insurance 2.6%. Liability-only coverage at 20/40/5 limits rose 1.0%.
