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Cheap Car Insurance in Worcester, Massachusetts

It’s not hard to find cheap car insurance in Worcester, Mass., a suburb lying about 45 miles west of Boston. Named for Worcester, England, the U.S. version is home to about 181,000, making it the most populated city in New England behind Boston. Worcester is often mispronounced by visitors; the middle letters of the name are silent and it is pronounced “Woos-tuh” or “Wis-tuh.”. It’s home to the oldest musical festival in the U.S.; the Worcester Music Festival has been held since 1858.

Driving Conditions in Worcester

Worcester wasn’t considered a commuting option for Boston until interstate highways made the drive do-able. The Massachusetts Turnpike runs from Auburn south of the city straight into Boston. From the heart of Worcester, it is accessible via Interstate 290. The average commute time for Worcester is about 23 minutes, shorter than the national average of 26 minutes, according to Census Bureau data. For traffic maps and updates on accidents and construction and to learn about commuting options, visit

Unique Laws in Worcester

Since Massachusetts is one of the original 13 colonies, there are plenty of antiquated laws still on the books and many that are just plain odd. For example, Massachusetts laws prevent eating more than three sandwiches at a wake, scaring pigeons, wearing a goatee in public or spitting on the sidewalk. Thankfully, it is illegal for children to buy their own cigarettes. And if you’re going to hold a duel that will be carried out to death on a Sunday, make sure the governor is present, per state law.

Massachusetts also is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

Worcester Crime Statistics

Violent crime rates are higher in Worcester than the national average, but property crime rates are significantly lower than other U.S. cities its size, according to FBI data. The Worcester metro area reported 733 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 93 incidents per 100,000 people. The national average is 220 per 100,000 people. Worcester’s Police Department provides incident reports and data at

Worcester Safety Requirements

In Massachusetts, children must ride in a safety seat or booster under they are 8 years old or 57 inches tall. Everyone in the car must wear a seat belt, but seat belt laws in Massachusetts are “secondary,” meaning you can’t get pulled over and ticketed just for not wearing one. Texting while driving and more recently talking on the phone without a hands-free device is illegal.

Worcester Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with OUI, or operating under the influence, as it is called in Massachusetts. For minors under 21, that BAC drops to .02. Not that to make an arrest, police don’t need to wait for you to put your car in gear. First offenders get a 180-day license suspension, but there is no minimum jail term required. Ignition interlock devices are required for all drivers who are convicted of a second OUI offense. Regardless of your background or circumstances, it’s not impossible to find cheap car insurance in Worcester; contact us for rate comparisons.

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Car Insurance Worcester, Massachusetts Agents

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  • Knight-dik Insurance Agency, Inc.


    Ross Dik

    Knight-dik insurance agency, inc. Is full-service independent insurance agency serving worcester and the surrounding areas in massachusetts. Our new website is designed to make the process of purchasing coverage as simple as possible, with the ability to request fast, accurate quotes and pay your premiums directly through our site.

    our goal at knight-dik insurance agency, inc. Is to serve you—not those big insurance companies. We pride ourselves in helping customers find the best combination of policy and price for their auto, home, business and workers compensation insurance policies. Feel free to call or stop by our office during hours of operation, or use the tools on our website until we can get back to you.

    What makes your specific agency stand out from your competition?

    The knight-dik insurance agency is located in the heart of the commonwealth, worcester, massachusetts. For more than 90 years, we have satisfied the insurance needs of business and individual clients throughout massachusetts. We have built our reputation on quality products, responsive service and innovation.

    the coverage you need at competitive rates.

    did you know insurance premiums can vary widely from one company to the next? It’s true. The knight-dik insurance agency can help you to find the best coverage for the most competitive rates for a wide range of insurance products. We look forward to having an opportunity to serve you.

    • Discount and Special Program offered Auto Insurance Workers Compensation Insurance Homeowners Insurance

    • License Type


    • License Number


    446 Main St
    Worcester, MA 01608

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  • Mid-state Insurance Agency, Inc.


    James Pietro

    Mid-state insurance is an independent family owned agency with locations in worcester and taunton massachusetts. Our employees are knowledgeable in their fields. We provide a wide variety of insurance coverages including home, auto, umbrella, business, life, and employee benefits insurance.

    What makes your specific agency stand out from your competition?

    Mid-state is a five star and best practices insurance agency. We provide individualized solutions to give our customers the best value for their insurance needs.

    • Discount and Special Program offered Account Credit Safe Road Alliance Good Student

    • License Type

      Ma Resident Business Entity Producers

    • License Number


    93 Stafford Street
    Worcester, MA 01603

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  • Aaa Insurance

    25 E Mountain St
    Worcester, MA 01606

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    Renewed my license, in and out in a flash. What a pleasure.

    I recently went in to renew my registration which, accidently, had been expired for two weeks. I was attaching my new sticker to my plate in 5 (that’s right, FIVE) minutes. Amazing and totally unheard of at the registry. Thank you AAA!

  • Marc Alkes Insurance Agency

    1405 Main St
    Worcester, MA 01603

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    I have been doing business a long time with Marc and have always had all my needs fulfilled and questions answered. I feel like I’m copletely covered!

    I have my auto,home,and store insurance with them. Great people to work with. Very friendly!!

  • Earl V Atchue Jr Insurance Agency

    190 Park Ave
    Worcester, MA 01609

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    I was thoroughly displeased trying to sign up for business insurance here, the agent didn’t answer any of my questions directly, was clearly exhausted (yawning and stretching across the table from me), and when I asked how simple it was to cancel at the end of the application process, realizing I was making a mistake there, she responded telling me that she doubted I’d find a lower premium. If you want the cheapest option, maybe go here, but I’d prefer decent customer support and actual coverage over a low premium.

  • C M Cantiani Insurance Agency

    318 Plantation St
    Worcester, MA 01604

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    I had many Agents over the years, but Cantiani Insurance has been the best by far. I would highly recommend to anyone looking for an Agent.

  • Paul F Cantiani Insurance Agency

    318 Plantation St
    Worcester, MA 01604

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    I had many Agents over the years, but Cantiani Insurance has been the best by far. I would highly recommend to anyone looking for an Agent.

  • Mahoney & Obara Insurance Agency

    3-15 E Mountain St
    Worcester, MA 01606

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    Mahoney and Obara deserves No stars!!! Mike is a dishonest man chasing a dime. He spits out lies to make a problem go away rather than being honest and dealing with the situation at hand. I highly recommend finding a new agent and if you do leave be sure to check your paperwork because he forgets to cancel your policy and you will continue to get charged. He is impossible to contact once you want out. Very dishonest.

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Auto body shops Worcester, Massachusetts

Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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