Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Holyoke, MA are $302/month
  • The cheapest car insurance company in Holyoke for teen drivers is State Farm
  • The cheapest car insurance company in Holyoke after a DUI is State Farm

Average car insurance rates in Holyoke, Massachusetts are $302 a month. But with a little research you can get a great deal from the top car insurance companies in Holyoke, MA. Before you buy Holyoke, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.

It may even be helpful to compare Holyoke car insurance rates with Fall River car insurance rates, Lynn car insurance rates, or New Bedford car insurance rates to make sure you’re getting the best Holyoke, MA car insurance quotes available.

Need affordable Holyoke, MA car insurance? Enter your ZIP code to compare Holyoke car insurance quotes from multiple car insurance companies near you.

Holyoke, MA Minimum Car Insurance Coverage

Holyoke, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Holyoke, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Holyoke, MA Car Insurance Rates by Coverage Level

Some Holyoke drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your Holyoke, Massachusetts car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Holyoke, Massachusetts

Insurance Company Low Medium High
Allstate $3,560 $3,983 $4,217
GEICO $3,123 $3,458 $3,627
Liberty Mutual $4,549 $4,988 $5,217
Progressive $4,595 $5,153 $5,465
State Farm $1,514 $1,702 $1,805
Travelers $3,464 $3,953 $4,232
USAA $2,334 $2,564 $2,677

Holyoke, MA Car Insurance Rates by Age, Gender, and Marital Status

Holyoke, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Holyoke, MA car insurance, get quotes from multiple car insurance companies in the Holyoke area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Holyoke, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,634 $2,634 $2,634 $2,634 $7,472 $7,472 $2,940 $2,940
GEICO $2,469 $2,469 $2,327 $2,327 $6,276 $6,276 $2,539 $2,539
Liberty Mutual $3,524 $3,524 $3,068 $3,068 $9,392 $9,392 $3,688 $3,688
Progressive $2,954 $2,954 $2,841 $2,841 $11,310 $11,310 $3,179 $3,179
State Farm $1,192 $1,192 $1,192 $1,192 $3,118 $3,118 $1,192 $1,192
Travelers $3,107 $3,107 $2,741 $2,741 $6,276 $6,276 $3,409 $3,409
USAA $1,850 $1,850 $1,822 $1,822 $4,383 $4,383 $2,046 $2,046

Holyoke, MA Car Insurance Rates for Teens

How much is Holyoke, Massachusetts car insurance for teens? Compare rates from top Holyoke car insurance companies below to help find the cheapest teen car insurance in Holyoke, MA.

Annual Car Insurance Rates for Teen Drivers in Holyoke, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,472 $7,472
GEICO $6,276 $6,276
Liberty Mutual $9,392 $9,392
Progressive $11,310 $11,310
State Farm $3,118 $3,118
Travelers $6,276 $6,276
USAA $4,383 $4,383

Holyoke, MA Car Insurance Rates for Seniors

Before seniors buy Holyoke, Massachusetts car insurance, they should make sure to shop around. Some Holyoke, MA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Holyoke, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,634 $2,634
GEICO $2,327 $2,327
Liberty Mutual $3,068 $3,068
Progressive $2,841 $2,841
State Farm $1,192 $1,192
Travelers $2,741 $2,741
USAA $1,822 $1,822

Holyoke, MA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Holyoke, Massachusetts car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Holyoke.

Annual Holyoke, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,020 $4,559 $5,081 $3,020
GEICO $2,704 $3,757 $4,290 $2,860
Liberty Mutual $3,849 $5,320 $6,362 $4,140
Progressive $4,240 $6,026 $4,765 $5,254
State Farm $1,323 $1,808 $2,142 $1,420
Travelers $3,010 $4,165 $4,532 $3,825
USAA $1,788 $2,332 $3,976 $2,004

Holyoke, MA Car Insurance Rates With a DUI

Even a single DUI can increase your Holyoke, MA car insurance rates. Compare rates below to see which Holyoke car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Holyoke, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,081
GEICO $4,290
Liberty Mutual $6,362
Progressive $4,765
State Farm $2,142
Travelers $4,532
USAA $3,976

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Holyoke, MA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Holyoke, MA car insurance rates may be. Let’s take a look at average car insurance rates from top Holyoke companies based on commute time.

Annual Car Insurance Rates by Commute Length in Holyoke, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,786 $4,054
GEICO $3,334 $3,472
Liberty Mutual $4,724 $5,112
Progressive $5,071 $5,071
State Farm $1,634 $1,713
Travelers $3,691 $4,075
USAA $2,455 $2,596

Holyoke, MA Cheapest Car Insurance Rates

How do the top Holyoke, Massachusetts car insurance companies’ average rates stack up against the Holyoke average monthly car insurance rates of $302? Take a look and see.

Best Annual Car Insurance Rates by Company in Holyoke, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Holyoke, MA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Holyoke, Massachusetts car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Holyoke, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,920
GEICO $3,403
Liberty Mutual $4,918
Progressive $5,071
State Farm $1,673
Travelers $3,883
USAA $2,525

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Other Factors Affecting Holyoke, MA Car Insurance Rates

Before you buy Holyoke, Massachusetts car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Holyoke, MA Commute Time

How does your Holyoke, MA commute time compare with the average driver? In Holyoke, the average commute is 19.9 minutes.

Holyoke, MA Car Insurance Quotes

Compare Holyoke, MA car insurance quotes from multiple companies by entering your ZIP code now.