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Jerry Data & Research
Cheapest car insurance in Greenfield, Massachusetts (Apr 2024)
Cheapest car insurance in Greenfield, Massachusetts (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Greenfield, Massachusetts.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance in Greenfield
- Best car insurance companies in Greenfield
- Best cheap car insurance quotes in Greenfield
- Average cost of car insurance in Greenfield
- Car insurance quotes in Greenfield by rating factors
- How do different factors impact your car insurance costs in Greenfield?
- Cheap car insurance quotes in Greenfield after driving violations
- Cheap car insurance quotes in Greenfield by age
- Cheap auto insurance quotes in Greenfield based on insurance history
- Cheap car insurance quotes in Greenfield for popular cars
- How to lower car insurance costs in Greenfield
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Greenfield
The cheapest
car insurance
in Greenfield, Massachusetts
, is minimal liability coverage, but the company varies. Different companies use different formulas, resulting in vastly different quotes for different drivers.Rather than asking for a personalized car insurance quote from every single company, smart shoppers use
Jerry
. The App Store’s number one (and only) AllCar App gives you quotes from over 55 top providers for free in less than a minute.The Greenfield, MA drivers below used Jerry to help them find the right coverage at the right price.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Safeco | $73 | Lou, 31 Zip: 01301 | Jeep Compass Sport | • State Minimum Liability • Comp / Collision |
| Travelers | $77 | Nell, 32 Zip: 01301 | Hyundai Genesis 3.8L | • State Minimum Liability • Comp / Collision |
Last Updated Apr 18, 2024Best car insurance companies in Greenfield
The best car insurance companies in Greenfield balance affordability with customer service and a hassle-free claims experience. If you need a wide variety of products—like life insurance, business insurance, and commercial insurance—go with a bigger company, like
Allstate
. if you don’t mind a barebones experience, go with a smaller one, like Clearcover.You can see how Bay State drivers rated their car insurance companies in the table below.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Travelers | 4.8 | 4.3 | N/A | 4.5 |
| Safeco | 4.7 | 4.6 | N/A | 4.6 |
| Progressive | 4.6 | 4.2 | 4.6 | 4.4 |
Liberty Mutual | 3.9 | 3.4 | 3.2 | 4 |
| Geico | 3.6 | 3.1 | 3.7 | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Greenfield
The cheapest auto insurance policy in every state usually sticks closely to the
state minimum insurance requirements
. You don’t have to pay extra costs without any extra coverage options.However, just as the cheapest insurance company comes with some downsides, the cheapest car insurance policy can cost you more in the long run.
Cheap minimum liability insurance quotes in Greenfield
Massachusetts’s minimum car insurance requirements
include three types of coverage:- Liability car insurancepays for the other person’s injuries or damages in a car accident where you’re at fault.
- Uninsured Motorist Coverage (UM)pays for you and your passengers’ injuries in a car accident where the other person is at fault. It only applies if the at-fault driver isn’t carrying car insurance (i.e. they’re uninsured) and it doesn’t apply to property damages.
- Personal Injury Protection (PIP) insurancepays for you and your passengers’ injuries after a car accident regardless of who was at fault.
The law also specifies the minimum amounts of coverage you need to carry of each type. A legally-compliant auto insurance policy in Greenfield provides at least:
- $40,000 of bodily injury liability coverage per accident
- $20,000 of UM bodily injury coverage per person
- $40,000 of UM bodily injury coverage per accident
- $8,000 of PIP coverage per person, per accident
You might see the minimum liability coverage limits shortened to “20/40/5”, while UM coverage limits are shortened to “20/40”.
Massachusetts insurance laws give you much to remember, but the Jerry app makes it simple. PriceProtect gives you the top five to seven quotes from insurance companies in your area—drawn from a pool of more than 55 providers—on a single screen.
Nell (32 years old)
$77
per month
Do you need more than minimum coverage in Greenfield?
You probably need more than the minimum insurance coverage in Greenfield. There are many types of insurance coverage mandated in the Bay State, but they won't cover much if you get into an accident.
For example, a minimum-liability insurance policy pays for $5,000 of property damage, but the average car accident costs $5,700 to fix.1 Meanwhile, an accident with serious injuries could outstrip your liability, UM, or PIP coverage by over $100,000.
As
Massachusetts' car accident laws
are no-fault
, your top priority should be to increase your PIP coverage, since you'll be responsible for your injuries and those of your passengers. At least 50/100/50 (or 100/300/100) liability coverage and 40/80 UM coverage is even better.Cheap full coverage car insurance quotes in Greenfield
Full-coverage car insurance
is a blanket term for two of the most common extra coverage options that help protect your assets first.- Collision coveragepays for damage caused by collisions with other vehicles or stationary objects.
- Comprehensive coveragepays for damages associated with things like severe weather, theft, and hitting an animal with your car.
Lease and financing agreements usually require you to purchase a full-coverage insurance policy to protect your car. Seeking the help of a
licensed insurance broker
can help you find car insurance rates like the ones below. | Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Travelers | $77 | Nell, 32 Zip: 01301 | Hyundai Genesis 3.8L |
• State Minimum Liability • Comp / Collision | Safeco | $73 | Lou, 31 Zip: 01301 | Jeep Compass Sport |
Last Updated Apr 18, 2024Whatever your reason for seeking full coverage, the best way to find an affordable plan is to compare multiple car insurance quotes. Jerry presents only the best five to seven deals in Greenfield drawn from a pool of over 55 providers, making your final choice much easier.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Greenfield
The average cost of car insurance in Greenfield starts at $100 per month ($1,200 per year) for minimum liability coverage. If you choose a full coverage policy, the average cost increases to $150 per month or $1,800 per year.
Although they’re useful for understanding overall price trends, you shouldn't rely on average costs for planning your finances. That’s because the formula auto insurance companies use to
calculate your car insurance premiums
can change drastically depending on your location and driver profile.Car insurance quotes in Greenfield by rating factors
Your driver profile is what insurers use to calculate your car insurance rates. It’s a collection of facts that make up your identity as a driver and includes ratings factors like:
- Demographics: Your likelihood of getting into a car accident depends on your age, gender, and even your marital status, and so do your chances of getting a low car insurance rate.
- Driving habits: Your driving history helps predict your chances of getting into an accident in the future, so car insurance companies use it to determine your rates.
- Your zip code: Move to Bernardston, MA, and the lack of traffic and crime will cause your auto insurance rates to plummet. Rent an apartment in Boston, on the other hand, and they’ll go in the opposite direction.
- Parking space: The more public and unprotected your parking spot, the higher your chances of suffering theft or vandalism, and the higher your insurance rates.
- Vehicle make and model: The cheapest cars to insure are cheap to buy and repair; if you want to save money on car insurance, stay away from luxury and performance models.
How do different factors impact your car insurance costs in Greenfield?
How do different factors impact your car insurance costs in Greenfield?
Allowed (with applicable limitations): Driving experience.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status, residential status.
Learn more about the car insurance rating factors in Greenfield:
Cheap car insurance quotes in Greenfield after driving violations
Your
Massachusetts driving record
is one of the most important personal documents used to determine your car insurance rates. High-risk drivers
with a history of small infractions (or several major ones) usually have a tough time finding low rates.Your auto insurance premiums will climb if you get convicted for any of the following:
- A DUI
- An at-fault accident
- Driving on a suspended license
- Speeding
- And many other traffic violations
Cheapest car insurance in Greenfield after speeding ticket
The penalties for a
Massachusetts speeding ticket
include fines and driver violation points, but even worse is the 27% premium it could add to your car insurance rates.If your insurance premiums go up after a speeding ticket, you could see them go slightly back down by switching insurance providers. Using an automatic quote comparison tool like Jerry gives you the best five to seven deals in Greenfield, so you can see whether you’re missing out on savings at a glance.
Last Updated Apr 18, 2024Cheapest car insurance in Greenfield after DUI
Just like a speeding ticket, the penalties for a
DUI in Massachusetts
don’t end with fines and jail time. You’ll also need to file an SR-22 form
.SR-22 forms aren't as complicated as they sound; essentially, you pay your car insurance company to file your insurance directly with the Massachusetts Department of Transportation on your behalf. By shopping around for great deals, you can offset the increase in your car insurance premiums. After a DUI, Jerry helped these Greenfield drivers do just that.
Cheapest car insurance in Greenfield after an at-fault accident
Because Massachusetts is a no-fault state, you
file car insurance claims
with your own car insurance company, whether you were at fault or not. This can play havoc with your driving history and your insurance premiums.There’s no easy fix for driver’s remorse, but you can prevent buyer’s remorse by comparing multiple car insurance quotes before making your choice. Jerry automatically shows the five to seven cheapest deals in your area and simplifies the
insurance shopping
process.| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Safeco | $73 | Daniel, 31 Zip: 01301 | Jeep Compass Sport | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $77 | James, 32 Zip: 01301 | Hyundai Genesis 3.8L | • State Minimum Liability • Comp / Collision |
Last Updated Apr 14, 2024Cheapest car insurance in Greenfield after other driving violations
Several violations can cause a significant increase in insurance rates, such as speeding tickets, DUIs, and driving without insurance. As long as they appear on your driving record, all of these can result in higher-than-average car insurance rates.
Below are some examples of how Jerry helped Greenfield drivers obtain affordable insurance after their respective driving violations.
Last Updated Apr 15, 2024Cheap car insurance quotes in Greenfield by age
When you first begin driving, your chances of getting into a car accident are at their peak. Afterward, they steadily decline into middle age until your 75th birthday, at which point they begin to rise again.
Your car insurance rates follow the same pattern. Using discounts and comparing quotes can help you find the best coverage at the lowest price if you’re outside of the golden age bracket of 25 to 75.
Cheapest car insurance in Greenfield for young drivers
Drivers under 25 pay the most for car insurance in Greenfield. A lack of driving experience puts them at a higher risk for accidents, and therefore, a higher claim risk.
However, a teen driver with only a provisional license may find lower premiums. Because provisional license holders can only operate a vehicle under supervision, they’re considered a lower-risk group than young, unrestricted license holders.
- Adding new drivers to your policy instead of purchasing a separate plan
- Adding collision coverage to pay for self-inflicted car damages
- Looking for good student and good driver discounts
Betty (24 years old)
$179
per month
Cheapest car insurance in Greenfield for senior drivers
Older drivers benefit from years of experience, but as they age, their chances of getting into a car accident and suffering serious injuries increase—and so do their insurance premiums.
The best car insurance companies for seniors
offer cost-cutting low-mileage and retiree discounts. The Jerry app can help you compare quotes and discounts all in one place, with a team of expert insurance agents ready to assist you at a phone call.
Cheap auto insurance quotes in Greenfield based on insurance history
A long, uninterrupted insurance history marks a low-risk policyholder who pays their bills and doesn’t drive uninsured. By contrast, a
car insurance lapse
indicates risky behavior.If you’re looking for insurance coverage after a hiatus, make sure to ask potential providers about late payment fees and forgiveness periods. The Jerry app can help you find cheap quotes and set automatic reminders so you never miss a payment again.
Agnes (32 years old)
$77
per month
James (32 years old)
$77
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Good Insurance!
Corey
Great price. Quick and easy.
Mike
Great rates offered and quality customer service
Angela
Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
Andrew
Cheap car insurance quotes in Greenfield for popular cars
The
cheapest cars to insure
tend to be the cheapest to buy and repair, but those aren’t the only important factors. Insurers also give better rates to cars with assistive driver technology, higher safety ratings, and robust anti-theft measures.The five most popular cars in Massachusetts2 score highly in all three categories, as you can see in the list below
Last Updated Apr 14, 2024How to lower car insurance costs in Greenfield
1. Shop around and compare quotes
The cost of an auto insurance policy can vary by hundreds of dollars per year depending on the provider. Different companies prioritize different types of drivers, and the only way to find the best match for you is to compare multiple offers.
Comparing over 55 personalized car insurance quotes is just as easily said as done. Jerry’s PriceProtect™ tool lets you view the best five to seven deals in Greenfield after a signup process that takes less than a minute.
2. Hunt for car insurance discounts
There’s a
car insurance discount
for almost every kind of driver. All you need to do is call your insurance provider and ask if they offer any savings programs, such as:- Good student discount: High school and college students can trade a B grade or higher for small monthly insurance discounts.
- Homeowners discount: Buying acar and home insurance bundle(or a car and renters insurance bundle) lets you save money on two insurance products at once.
- Military discount: Depending on your insurance provider, you could receive a discount for active or retired military service.
- Safe driver discount: A clean driving record goes a long way towards lowering your monthly premiums, but you can add even more savings by signing up for a telematics program or completing a defensive driving course.
3. Increase your deductible for comprehensive and collision coverage
Last but not least, you can lower the price of full coverage by
choosing a higher car insurance deductible
. Before you commit, take some time to consider how much time you spend on the road, your risk of getting into an accident, and the value of your car.
FAQ
How much is car insurance in Greenfield?
Car insurance in Greenfield costs an average of $1,200 per year for minimum liability coverage and $1,800 per year for full coverage. However, your actual costs probably won’t look anything like the average.
The formula for calculating car insurance rates changes from company to company. Jerry can help you make sure you’re getting the best rates by gathering quotes from over 55 top insurance partners.
What is the cheapest car insurance in Greenfield?
The cheapest car insurance in Greenfield sticks to the minimum insurance requirements set by the state of Massachusetts, which costs an average of $1,200 per year. If you have a clean driving record, a great credit score, or a private parking garage, your rates will likely be even lower.
If you’re missing one or more of those things (and even if you’re not), it never hurts to compare car insurance quotes. Jerry helps you shop with free quote comparisons and a team of expert insurance agents who can answer all your questions by phone.
What is the best car insurance in Greenfield?
The best car insurance in Greenfield depends on whether you prioritize price, customer service, or overall rating. The Massachusetts drivers who responded to Jerry’s nationwide survey gave the gold to USAA for the best policy cost, Travelers for the best customer service, and Safeco for one of the best overall scores.
What is the minimum car insurance in Greenfield, Massachusetts?
The minimum car insurance required in Massachusetts includes liability coverage, Uninsured Motorist Bodily Injury coverage (UMBI), and Personal Injury Protection (PIP). Your policy must include at least:
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
