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Once considered a unique Massachusetts region, as Boston’s suburbs expanded, Worcester became part of Greater Boston. However, the city has some unique architecture and characteristics that help it stand out. Massachusetts as a whole has a cost of living that is 20% higher than the national average, but Worcester residents find their town to be a bit more affordable (13% higher than the national average). This affordability stretches to the number of options for cheap insurance Worcester has to offer. Despite being in one of the most expensive U.S. regions, MA’s average insurance cost is only around $1,600 (depending on your coverage options).

Here are some ways to save in Worcester.

  • Know your neighborhood: Living in central Worcester will mean your rates will be higher for certain coverages, as opposed to living in Leicester or Boylston.
  • Know the coverage you need: There were around 465 stolen cars in 2012 which, for a town of 180,000, is a bit higher than it should be. Depending on where you live in the city, you may consider purchasing Comprehensive coverage.
  • Public Transportation: This the good part of living so close to Boston. You have plenty of access to the various public transportation options the region has available. Local routes are handled by WRTA (Worcester Regional Transit Authority). Taking public transportation to work each day will lower the miles you put on your car, and insurance companies will usually lower your rates accordingly. Even if you’re not traveling into Boston there are still a quarter million drivers on the road in Worcester each day (for a city with a population of 180k).
  • Know your discounts: You can save a lot of money if you know what discounts you are eligible for, so be sure to ask your agent, or check out our auto guide. For example, did you know that some companies give you a discount for being a member of a credit union?