No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Worcester drivers found guilty of reckless driving face insurance rate increases of $1,600 per year, compared to the citywide average. A DUI violation may lead to a $1,442 increase, while a citation for speeding leads to a $583 rate hike.

 
AVERAGE WORCESTER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident Average Yearly Rate
DWI/DUI $3,306
Reckless Driving $3,464
At-fault Accident (damages less than $1,000) $2,247
At-fault Accident (damages > $2,000) $3,156
Speeding Ticket (16-20 mph over speed limit) $2,447
 

Learn more about the impact of driving violations on car insurance rates.

 

Worcester auto insurance premiums by credit level

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit.

However, Massachusetts numbers among several states that have outlawed this practice of allowing credit score to influence a driver's premium. In Worcester, drivers with poor and excellent credit pay the same premium, given all other rating factors remain constant.

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

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