Springfield Car Insurance Cost (2025 Rates + Comparisons)

How much does auto insurance cost in Springfield? We compare insurance rates for over 150 different cars, trucks, and SUVs to find Springfield's cheapest car insurance quotes.

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How much is car insurance in Springfield, MA?

The average car insurance cost in Springfield is $2,850 per year, or around $238 per month for full coverage auto insurance. It costs 24.8% more to insure the average vehicle in Springfield, MA, than the national average rate of $2,221.

The average car insurance cost in Massachusetts is $2,634 per year, so Springfield, MA, drivers pay an average of $216 more per year than the overall Massachusetts state-wide average rate. The cost of auto insurance in Springfield compared to other Massachusetts locations is around $354 per year more than in Lowell, $152 per year more expensive than in Worcester, and $246 per year more expensive than in Boston.

Driver age is probably the number one factor that determines the price of auto insurance, so the list below illustrates this point by showing the difference in average car insurance rates for different driver ages.

Springfield car insurance cost by driver age

  • 16 year old – $10,147 per year or $846 per month
  • 17 year old – $9,830 per year or $819 per month
  • 18 year old – $8,810 per year or $734 per month
  • 19 year old – $8,025 per year or $669 per month
  • 20 year old – $5,732 per year or $478 per month
  • 30 year old – $3,038 per year or $253 per month
  • 40 year old – $2,850 per year or $238 per month
  • 50 year old – $2,526 per year or $211 per month
  • 60 year old – $2,366 per year or $197 per month

The next chart shows average Springfield auto insurance cost broken out not only for different driver ages, but also for different policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury models.

Average full-coverage car insurance premium in Springfield, MA for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Springfield, MA for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Springfield, MA Zip Codes.

Average Car Insurance Cost in Springfield, MA
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,852$404
$500$5,732$478
$250$6,666$556
30$1,000$2,546$212
$500$3,038$253
$250$3,550$296
40$1,000$2,396$200
$500$2,850$238
$250$3,322$277
50$1,000$2,136$178
$500$2,526$211
$250$2,934$245
60$1,000$2,002$167
$500$2,366$197
$250$2,746$229

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Springfield, MA Zip Codes. Updated June 26, 2025

In the chart above, the cost of car insurance in Springfield ranges from $2,002 per year for a 60-year-old driver with a policy with high physical damage deductibles to $6,666 per year for a 20-year-old driver with low physical damage deductibles. From a monthly point of view, the average cost in the prior chart ranges from $167 to $556 per month.

Springfield car insurance rates have extreme variability and are impacted by many different factors. Since the chances of having many different rates is high, this emphasizes the need to get multiple auto insurance quotes when shopping around for the cheapest car insurance in Springfield.

The car insurance rates discussed up to this point are an average for all 2024 vehicle models, which is handy when making big picture comparisons such as the average cost difference by driver age or location.

Average auto insurance rates are great when presented with a question like “is car insurance cheaper in Springfield or Cambridge?” or “is Massachusetts car insurance cheaper than Colorado?”.

But for more in-depth auto insurance rate comparisons, the data will be better if we compare rates for the specific vehicle being insured. Each individual vehicle model has a unique risk profile for liability and physical damage claims, and this data allows us to make insurance cost comparisons.

The following chart shows the cost of car insurance in Springfield for some of the more popular vehicles. Towards the end of this article, there is a section that analyzes the ins-and-outs of insuring some of these models in much more detail.

Average cost to insure popular 2024 model year vehicles in Springfield.
Figure 2: Average cost to insure popular 2024 model year vehicles in Springfield. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Springfield Zip Codes.

Springfield, MA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,430$203
Subaru Forester$2,538$212
Nissan Rogue$2,560$213
Ford Explorer$2,586$216
Toyota Highlander$2,592$216
Nissan Sentra$2,610$218
Toyota RAV4$2,626$219
Jeep Grand Cherokee$2,850$238
Toyota Tacoma$2,884$240
Hyundai Santa Fe$2,900$242
Toyota 4Runner$3,054$255
Toyota Camry$3,060$255
Hyundai Elantra$3,094$258
GMC Sierra$3,146$262
Chevrolet Silverado$3,150$263
Ford Bronco$3,160$263
Ford F150$3,186$266
Jeep Wrangler$3,254$271
Ram Truck$3,294$275

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Which autos have the cheapest car insurance in Springfield?

When comparing makes and models from all segments, the vehicles with the lowest cost average insurance quotes in Springfield, MA, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, Buick Envision, and Hyundai Venue.

Average auto insurance rates for those compact SUVs cost $2,314 or less per year ($193 per month) to have full coverage.

Examples of other models that have affordable car insurance quotes in our car insurance price comparison are the Volkswagen Taos, Buick Encore, Honda HR-V, and Nissan Murano. Average rates are slightly more for those models than the crossovers and small SUVs that rank at the top, but they still have average rates of $2,478 or less per year ($207 per month) in Springfield.

The following table details the 40 models with the cheapest car insurance in Springfield, sorted by annual and monthly insurance cost.

Cheapest Auto Insurance Rates in Springfield
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,106$176
2Chevrolet Trailblazer$2,142$179
3Kia Soul$2,226$186
4Nissan Kicks$2,244$187
5Honda Passport$2,270$189
6Buick Envision$2,286$191
7Toyota Corolla Cross$2,298$192
8Hyundai Venue$2,314$193
9Mazda CX-5$2,326$194
10Ford Bronco Sport$2,334$195
11Volkswagen Tiguan$2,360$197
12Acura RDX$2,384$199
13Nissan Murano$2,394$200
14Buick Encore$2,420$202
15Honda CR-V$2,430$203
16Subaru Outback$2,430$203
17Buick Envista$2,436$203
18Volkswagen Taos$2,440$203
19Kia Niro$2,454$205
20Toyota GR Corolla$2,476$206
21Honda HR-V$2,478$207
22Subaru Ascent$2,480$207
23Nissan Leaf$2,496$208
24Chevrolet Colorado$2,512$209
25Honda Civic$2,522$210
26Lexus NX 250$2,522$210
27Volkswagen Atlas$2,528$211
28Acura Integra$2,534$211
29Subaru Forester$2,538$212
30Volkswagen Atlas Cross Sport$2,540$212
31Kia Seltos$2,546$212
32GMC Terrain$2,550$213
33Nissan Rogue$2,560$213
34Hyundai Kona$2,564$214
35Mazda CX-30$2,568$214
36Cadillac XT4$2,574$215
37Ford Explorer$2,586$216
38Volkswagen ID4$2,586$216
39Toyota Highlander$2,592$216
40Ford Escape$2,600$217

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in Springfield, MA with the Subaru Crosstrek ranking first at $2,106 per year
Top 40 cheapest vehicles to insure in Springfield, MA with the Subaru Crosstrek ranking first at $2,106 per year

The above table containing 40 vehicle models with cheap Springfield car insurance is fine if you just want the lowest rates. But considering we track over 700 vehicles, the majority of models get omitted from the list. Let’s dig deeper into the data and list the vehicles with the best rates a better way, by automotive segment.

The next section illustrates the average cost of car insurance by vehicle segment. This will provide a better understanding of the general vehicle types that have the overall least expensive rates. The sections after the chart rank the 20 models with the cheapest car insurance in each segment.

Auto insurance rates by vehicle segment

When shopping for a new or used vehicle, it’s useful to have a basic understanding of which categories of vehicles are more affordable to insure.

For example, some common questions are if compact SUVs are cheaper to insure than minivans or if half-ton pickups have more affordable insurance than heavy duty pickups.

The next chart displays average car insurance rates in Springfield for different vehicle segments. From an overall average perspective, small SUVs, vans, and midsize pickups tend to have the best rates, while exotic performance cars have the highest average cost of insurance.

Car insurance average cost by automotive segment in Springfield, MA.
Figure 3: Car insurance average cost by automotive segment in Springfield, MA. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Springfield Zip Codes.

Car Insurance Rates by Automotive Segment in Springfield, MA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,620$218
Midsize SUV$2,812$234
Compact Car$2,816$235
Minivan$2,818$235
Midsize Pickup$2,874$240
Midsize Car$2,906$242
Compact Luxury SUV$3,090$258
Compact Luxury Car$3,136$261
Large SUV$3,144$262
Half-ton Pickup$3,158$263
Heavy Duty Pickup$3,276$273
Midsize Luxury SUV$3,382$282
Midsize Luxury Car$3,494$291
Sports Car$3,914$326
Large Car$4,098$342
Large Luxury SUV$4,410$368
Large Luxury Car$4,556$380

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Springfield, MA Zip Codes. Updated June 26, 2025

Segment rates can be used for getting an initial comparison, but cost varies quite a lot within each automotive segment displayed in the previous chart.

For example, in the midsize SUV segment, average Springfield insurance rates range from the Honda Passport costing $2,270 per year up to the Rivian R1S costing $3,504 per year, a difference of $1,234 within that segment. Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe at $2,676 per year to the Toyota Sequoia at $3,566 per year, a difference of $890 within that segment.

In the next sections, we eliminate a lot of this variability by looking at car insurance cost in Springfield for specific makes and models of vehicles.

Cheapest cars to insure in Springfield, MA

Ranking at the top of the list for the cheapest Springfield car insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Nissan Leaf, Toyota GR Corolla, Honda Civic, and Subaru Impreza. Auto insurance quotes for these vehicles average $2,618 or less per year, or around $218 per month.

Not the cheapest in the list, but still ranking well, are models like the Kia K5, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $2,776 per year or less.

Full-coverage auto insurance in Springfield for this segment will start around $206 per month, depending on where you live and the company you use.

When vehicle size is considered, the most affordable compact car to insure in Springfield is the Toyota GR Corolla at $2,476 per year, or $206 per month. For midsize models, the Kia K5 has the best rates at $2,744 per year, or $229 per month. And for large cars, the Chrysler 300 is most affordable to insure at $2,716 per year, or $226 per month.

The rate comparison table below ranks the twenty cars with the most affordable car insurance in Springfield, starting with the Toyota GR Corolla at $2,476 per year ($206 per month) and ending with the Mazda 3 at $2,946 per year ($246 per month).

Cheapest Cars to Insure in Springfield, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,476$206
Nissan LeafCompact$2,496$208
Honda CivicCompact$2,522$210
Nissan SentraCompact$2,610$218
Subaru ImprezaCompact$2,618$218
Toyota PriusCompact$2,662$222
Kia K5Midsize$2,744$229
Honda AccordMidsize$2,752$229
Chevrolet MalibuMidsize$2,762$230
Toyota CorollaCompact$2,776$231
Kia ForteCompact$2,780$232
Volkswagen ArteonMidsize$2,802$234
Nissan VersaCompact$2,808$234
Subaru LegacyMidsize$2,812$234
Hyundai Ioniq 6Midsize$2,834$236
Mitsubishi Mirage G4Compact$2,876$240
Volkswagen JettaCompact$2,880$240
Toyota CrownMidsize$2,884$240
Hyundai SonataMidsize$2,888$241
Mazda 3Compact$2,946$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, MA, with the Toyota GR Corolla ranking first at $2,476 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Springfield, MA, with the Toyota GR Corolla ranking first at $2,476 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from the best companies in Massachusetts.

Cheapest SUV insurance rates in Springfield, MA

The top four non-luxury SUVs with the lowest-cost insurance rates in Springfield are the Subaru Crosstrek at $2,106 per year, Chevrolet Trailblazer at $2,142 per year, Kia Soul at $2,226 per year, and Nissan Kicks at $2,244 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Buick Envision, Mazda CX-5, Hyundai Venue, and Toyota Corolla Cross, with average rates of $2,334 per year or less.

In the bottom half of the top 20, SUVs like the Volkswagen Tiguan, Volkswagen Taos, Buick Encore, Nissan Murano, Subaru Outback, and Buick Envista cost between $2,334 and $2,480 per year for insurance.

Auto insurance rates in this segment for an average middle-age driver starts at an average of $176 per month, depending on the company. The comparison table below ranks the SUVs with the most affordable average insurance rates in Springfield, starting with the Subaru Crosstrek at $176 per month and ending with the Subaru Ascent at $207 per month.

Cheapest SUVs to Insure in Springfield, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,106$176
Chevrolet TrailblazerCompact$2,142$179
Kia SoulCompact$2,226$186
Nissan KicksCompact$2,244$187
Honda PassportMidsize$2,270$189
Buick EnvisionCompact$2,286$191
Toyota Corolla CrossCompact$2,298$192
Hyundai VenueCompact$2,314$193
Mazda CX-5Compact$2,326$194
Ford Bronco SportCompact$2,334$195
Volkswagen TiguanCompact$2,360$197
Nissan MuranoMidsize$2,394$200
Buick EncoreCompact$2,420$202
Honda CR-VCompact$2,430$203
Subaru OutbackMidsize$2,430$203
Buick EnvistaMidsize$2,436$203
Volkswagen TaosCompact$2,440$203
Kia NiroCompact$2,454$205
Honda HR-VCompact$2,478$207
Subaru AscentMidsize$2,480$207

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, MA, with the Subaru Crosstrek ranking first at $2,106 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Springfield, MA, with the Subaru Crosstrek ranking first at $2,106 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Springfield car insurance quotes from top auto insurance companies in Massachusetts.

Cheapest pickup trucks to insure in Springfield

The #1 ranking in Springfield for the lowest-cost insurance in the pickup segment is the Chevrolet Colorado, coming in at $2,512 per year. Second place is the Nissan Titan at $2,666 per year, and third place goes to the Nissan Frontier, at an average of $2,694 per year.

Not the cheapest to insure, but still ranked well, are models like the Hyundai Santa Cruz, GMC Canyon, GMC Sierra 2500 HD, and Toyota Tacoma, with average insurance cost of $2,932 per year or less.

From a monthly standpoint, car insurance in Springfield on this segment for an average middle-age driver will start around $209 per month, depending on the company and your location.

The comparison table below ranks the twenty pickups with the lowest-cost average auto insurance rates in Springfield, starting with the Chevrolet Colorado at $2,512 per year ($209 per month) and ending with the Ram Truck at $3,294 per year ($275 per month).

Cheapest Pickups to Insure in Springfield, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,512$209
Nissan TitanFull-size$2,666$222
Nissan FrontierMidsize$2,694$225
Ford RangerMidsize$2,722$227
Ford MaverickMidsize$2,764$230
Honda RidgelineMidsize$2,826$236
Hyundai Santa CruzMidsize$2,874$240
Toyota TacomaMidsize$2,884$240
GMC Sierra 2500 HDHeavy Duty$2,898$242
GMC CanyonMidsize$2,932$244
Jeep GladiatorMidsize$3,002$250
GMC Sierra 3500Heavy Duty$3,018$252
Chevrolet Silverado HD 3500Heavy Duty$3,044$254
Chevrolet Silverado HD 2500Heavy Duty$3,126$261
GMC SierraFull-size$3,146$262
Chevrolet SilveradoFull-size$3,150$263
Nissan Titan XDHeavy Duty$3,150$263
Ford F150Full-size$3,186$266
GMC Hummer EV PickupFull-size$3,266$272
Ram TruckFull-size$3,294$275

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, MA, with the Chevrolet Colorado ranking first at $2,512 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Springfield, MA, with the Chevrolet Colorado ranking first at $2,512 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Massachusetts.

Cheapest sports cars to insure in Springfield

The top four sports cars with the most affordable insurance rates in Springfield are the Mazda MX-5 Miata at $2,638 per year, Toyota GR86 at $3,004 per year, Ford Mustang at $3,128 per year, and BMW Z4 at $3,148 per year.

Not the cheapest, but still in the top 10, are models like the Toyota GR Supra, Nissan Z, Subaru BRZ, and Lexus RC F, with an average cost to insure of $3,406 per year or less.

Full-coverage auto insurance in Springfield for this segment for an average middle-age driver starts at around $220 per month, depending on the company and where you live.

The comparison table below ranks the sports cars with the cheapest auto insurance rates in Springfield, starting with the Mazda MX-5 Miata at $220 per month and ending with the Porsche Taycan at $402 per month.

Cheapest Sports Cars to Insure in Springfield, Massachusetts
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,638$220
Toyota GR86Sports Car$3,004$250
Ford MustangSports Car$3,128$261
BMW Z4Sports Car$3,148$262
Subaru WRXSports Car$3,194$266
Toyota GR SupraSports Car$3,200$267
BMW M2Sports Car$3,292$274
Nissan ZSports Car$3,300$275
Lexus RC FSports Car$3,368$281
Subaru BRZSports Car$3,406$284
BMW M3Sports Car$3,598$300
Porsche 718Sports Car$3,668$306
Chevrolet CamaroSports Car$3,704$309
Chevrolet CorvetteSports Car$3,946$329
Porsche 911Sports Car$4,084$340
BMW M4Sports Car$4,252$354
Lexus LC 500Sports Car$4,276$356
Jaguar F-TypeSports Car$4,496$375
Mercedes-Benz AMG GT53Sports Car$4,716$393
Porsche TaycanSports Car$4,824$402

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Springfield, MA, with the Mazda MX-5 Miata ranking first at $2,638 per year.
Ranking of the cheapest sports cars to insure in Springfield, MA, with the Mazda MX-5 Miata ranking first at $2,638 per year.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Massachusetts.

Cheapest luxury car insurance rates

Out of all 2024 models, the top five most affordable luxury cars to insure in Springfield are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Auto insurance rates for these vehicles range from $2,534 to $2,948 per year.

Some other luxury cars that have cheaper rates include the Cadillac CT4, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with average rates of $2,996 per year or less.

On a monthly basis, auto insurance rates on this segment in Springfield for an average middle-age driver can cost as low as $211 per month, depending on the company and where you live.

If rates are ranked based on vehicle size, the cheapest small luxury car to insure in Springfield is the Acura Integra at $2,534 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,934 per year. And for large luxury car models, the Audi A5 has the most affordable rates at $3,386 per year.

The table below ranks the luxury cars with the most affordable average auto insurance rates in Springfield, starting with the Acura Integra at $2,534 per year and ending with the Audi S3 at $3,196 per year.

Cheapest Luxury Cars to Insure in Springfield, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,534$211
BMW 330iCompact$2,902$242
Mercedes-Benz CLA250Midsize$2,934$245
Lexus IS 300Midsize$2,938$245
Acura TLXCompact$2,948$246
Cadillac CT4Compact$2,976$248
Lexus ES 350Midsize$2,976$248
Genesis G70Compact$2,984$249
Mercedes-Benz AMG CLA35Midsize$2,990$249
Lexus RC 300Midsize$2,996$250
Lexus IS 350Compact$3,010$251
Jaguar XFMidsize$3,016$251
Cadillac CT5Midsize$3,070$256
Lexus ES 250Midsize$3,082$257
Lexus RC 350Compact$3,092$258
BMW 330eCompact$3,094$258
BMW 228iCompact$3,098$258
BMW 230iCompact$3,124$260
Lexus ES 300hMidsize$3,126$261
Audi S3Compact$3,196$266

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, MA, with the Acura Integra ranking first at $2,534 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Springfield, MA, with the Acura Integra ranking first at $2,534 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Springfield car insurance quotes from top auto insurance companies in Massachusetts.

Cheapest luxury SUVs to insure

The four highest ranking luxury SUVs with the lowest-cost insurance rates in Springfield are the Acura RDX at $2,384 per year, Lexus NX 250 at $2,522 per year, Cadillac XT4 at $2,574 per year, and Jaguar E-Pace at $2,666 per year.

Other models that rank well are the Mercedes-Benz GLB 250, Lexus UX 250h, Lincoln Corsair, and Lexus NX 350h, with average annual insurance rates of $2,748 per year or less.

Additional vehicles that make the list include the Mercedes-Benz GLA250, Infiniti QX50, Mercedes-Benz GLA35 AMG, and Cadillac XT6, which cost between $2,748 and $2,860 per year to insure in Springfield.

As a cost per month, car insurance rates in this segment for a safe driver will start around $199 per month, depending on the company.

When vehicle size is considered, the most budget-friendly compact luxury SUV to insure in Springfield is the Acura RDX at $2,384 per year, or $199 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,666 per year, or $222 per month. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $3,196 per year, or $266 per month.

The table below ranks the twenty SUVs with the cheapest insurance in Springfield, starting with the Acura RDX at $2,384 per year ($199 per month) and ending with the Lexus RX 350 at $2,860 per year ($238 per month).

Cheapest Luxury SUVs to Insure in Springfield, Massachusetts
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,384$199
Lexus NX 250Compact$2,522$210
Cadillac XT4Compact$2,574$215
Jaguar E-PaceMidsize$2,666$222
Cadillac XT5Midsize$2,690$224
Lexus NX 350hCompact$2,690$224
Lincoln CorsairCompact$2,724$227
Mercedes-Benz GLB 250Compact$2,728$227
Lexus UX 250hCompact$2,730$228
Lexus NX 450hCompact$2,748$229
Infiniti QX50Midsize$2,770$231
Mercedes-Benz GLA250Compact$2,780$232
Mercedes-Benz GLA35 AMGCompact$2,788$232
Cadillac XT6Midsize$2,790$233
Infiniti QX60Midsize$2,804$234
Mercedes-Benz AMG GLB35Midsize$2,808$234
Land Rover EvoqueCompact$2,846$237
Acura MDXMidsize$2,848$237
Lexus NX 350Compact$2,858$238
Lexus RX 350Midsize$2,860$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Springfield, MA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, MA, with the Acura RDX ranking first at $2,384 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Springfield, MA, with the Acura RDX ranking first at $2,384 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Springfield car insurance quotes from top-rated companies in Massachusetts.

Variability and car insurance rates

To help illustrate how much the cost of identical auto insurance can vary for different drivers (and also underscore the importance of getting plenty of rate quotes), the charts below visualize a wide range of rates for three popular vehicles in Springfield: the Nissan Sentra, Toyota RAV4, and Honda Pilot.

Each illustration displays rates for a variety of different driver profiles to demonstrate the cost difference with only minor changes in the driver profile.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Springfield costs an average of $2,610 per year (about $218 per month) and has a range of $2,170 to $5,932.

Average 2024 Nissan Sentra insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Sentra insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Springfield, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,932$494
Safe Driver Age 20$5,160$430
At-fault Accidents Age 40$3,696$308
Low Deductibles Age 40$3,300$275
Safe Driver Age 30$2,770$231
Safe Driver Age 40$2,610$218
Safe Driver Age 50$2,334$195
High Deductibles Age 40$2,246$187
Safe Driver Age 60$2,178$182
Discount Rate Age 40$2,170$181

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra is a compact car, and additional similar models from the same segment include the Toyota Corolla, Hyundai Elantra, Honda Civic, and Chevrolet Cruze.

Toyota RAV4 insurance rates

Auto insurance for a Toyota RAV4 in Springfield costs an average of $2,626 per year ($219 per month) and has a range of $2,184 to $6,044 annually.

Average 2024 Toyota RAV4 insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota RAV4 insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Springfield, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,044$504
Safe Driver Age 20$5,280$440
At-fault Accidents Age 40$3,730$311
Low Deductibles Age 40$3,400$283
Safe Driver Age 30$2,798$233
Safe Driver Age 40$2,626$219
Safe Driver Age 50$2,336$195
High Deductibles Age 40$2,228$186
Safe Driver Age 60$2,188$182
Discount Rate Age 40$2,184$182

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

The Toyota RAV4 is classified as a compact SUV, and other models popular in Springfield include the Subaru Forester, Ford Escape, Mazda CX-5, and Chevrolet Equinox.

Honda Pilot insurance rates

Insurance for a Honda Pilot in Springfield averages $2,776 per year, or around $231 per month, and varies from $2,304 to $6,412 per year.

Average 2024 Honda Pilot insurance premiums in Springfield for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Pilot insurance premiums in Springfield for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Springfield includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Springfield, MA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,412$534
Safe Driver Age 20$5,620$468
At-fault Accidents Age 40$3,928$327
Low Deductibles Age 40$3,670$306
Safe Driver Age 30$2,966$247
Safe Driver Age 40$2,776$231
Safe Driver Age 50$2,452$204
High Deductibles Age 40$2,318$193
Discount Rate Age 40$2,304$192
Safe Driver Age 60$2,300$192

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 27, 2025

The Honda Pilot is a midsize SUV, and other popular models in the same segment include the Kia Telluride, Ford Explorer, and Kia Sorento.

Tips for getting cheaper Springfield auto insurance quotes

Springfield drivers are always looking to reduce the monthly expense for insurance So browse the money-saving ideas in this next list and maybe you can save a little dough on your next car insurance policy.

  • Your job could earn you discounts. Just about all auto insurance providers offer discounts for having a job in professions like police officers and law enforcement, architects, scientists, lawyers, high school and elementary teachers, and others. Obtaining this discount may save between $86 and $277 on your annual auto insurance cost, depending on your policy.
  • Compare insurance cost before you buy the car. Different cars, trucks, and SUVs can have significantly different car insurance premiums, and car insurance companies can price policies with a wide range of prices. Check the price before you purchase in order to prevent price shock when insuring your new car.
  • Excellent credit scores get the best rates. Drivers who have credit scores over 800 may save $447 per year when compared to a credit rating between 670-739. Conversely, a less-than-perfect credit history could cost around $519 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Remove unneeded coverage on older cars. Removing physical damage coverage from older vehicles that are no longer worth much can cut the cost of car insurance significantly.
  • The real world isn’t Grand Theft Auto. If you want affordable auto insurance in Springfield, it’s necessary to drive within the law. Just a few blemishes on your motor vehicle report could raise auto insurance rates by as much as $756 per year. Serious convictions like driving under the influence or reckless driving could raise rates by an additional $2,646 or more.
  • Shop around and save. Setting aside a few minutes every year or so to get a few free car insurance quotes is our best recommendation for saving money. Rates change often and you can switch companies very easily.