- Cheapest car insurance in Massachusetts for a bad driving record
- How much is high-risk car insurance in Massachusetts?
- Cheapest car insurance in Massachusetts with a DUI
- Cheapest car insurance in Massachusetts with multiple tickets
- Cheapest car insurance in Massachusetts with a reckless driving conviction
- Cheapest car insurance after an accident in Massachusetts
- Cheapest car insurance in Massachusetts by city
- How to reduce car insurance rates in Massachusetts for a bad driving record
- Massachusetts car insurance laws for high-risk drivers
Cheapest car insurance in Massachusetts for a bad driving record
If you have a bad driving record in Massachusetts, State Farm, Geico, Safety Insurance offer affordable car insurance. However, State Farm has the lowest average rate of $964.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| State Farm | $689 | $964 |
| Geico | $1,269 | $1,722 |
| Safety Insurance | $1,517 | $2,439 |
| Progressive | $2,016 | $2,702 |
| Arbella Insurance | $1,708 | $2,793 |
| Farmers | $1,966 | $3,116 |
| Travelers | $2,274 | $3,348 |
| Allstate | $2,694 | $5,579 |
| USAA | $1,442 | $2,219 |
How much is high-risk car insurance in Massachusetts?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $2,639 in Massachusetts, you can find rates as low as $964 from State Farm.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $689 | $1,037 |
| Geico | $1,269 | $1,890 |
| Arbella Insurance | $1,708 | $1,937 |
| USAA | $1,442 | $2,096 |
| Safety Insurance | $1,517 | $2,751 |
| Progressive | $2,016 | $3,072 |
| Travelers | $2,274 | $3,590 |
| Farmers | $1,966 | $3,760 |
| Allstate | $2,694 | $4,439 |
Cheapest car insurance in Massachusetts with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,257.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Massachusetts.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $689 | $1,257 |
| Geico | $1,269 | $2,175 |
| Progressive | $2,016 | $2,456 |
| Arbella Insurance | $1,708 | $2,866 |
| Safety Insurance | $1,517 | $3,347 |
| Travelers | $2,274 | $3,443 |
| Farmers | $1,966 | $4,109 |
| Allstate | $2,694 | $5,579 |
| USAA | $1,442 | $3,542 |
Cheapest car insurance in Massachusetts with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is State Farm, with rates averaging $785 or $65.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Massachusetts drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $689 | $785 |
| Geico | $1,269 | $1,419 |
| Safety Insurance | $1,517 | $1,889 |
| Farmers | $1,966 | $2,454 |
| Progressive | $2,016 | $2,699 |
| Travelers | $2,274 | $3,285 |
| USAA | $1,442 | $1,676 |
Cheapest car insurance in Massachusetts with a reckless driving conviction
State Farm has the cheapest rates for drivers with reckless driving convictions at $1,207.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $689 | $1,207 |
| Geico | $1,269 | $2,175 |
| Arbella Insurance | $1,708 | $2,719 |
| Progressive | $2,016 | $2,956 |
| Safety Insurance | $1,517 | $3,182 |
| Travelers | $2,274 | $3,443 |
| Farmers | $1,966 | $4,109 |
| USAA | $1,442 | $2,528 |
Cheapest car insurance after an accident in Massachusetts
State Farm has the lowest average rates after an accident at $1,037. Geico also offers affordable rates, averaging $1,890.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $689 | $1,037 | $1,291 |
| Geico | $1,269 | $1,890 | $2,333 |
| Arbella Insurance | $1,708 | $1,937 | $2,921 |
| Safety Insurance | $1,517 | $2,604 | $3,941 |
| Progressive | $2,016 | $3,072 | $4,608 |
| Travelers | $2,274 | $3,546 | $4,929 |
| Farmers | $1,966 | $3,760 | $6,412 |
| Allstate | $2,694 | $4,439 | $5,707 |
| USAA | $1,442 | $2,096 | $3,765 |
Cheapest car insurance in Massachusetts by city
Newburyport has the cheapest car insurance rates in Massachusetts, averaging $2,237. However, the most expensive city is Chelsea, with average insurance rates of $4,105.
Where you live in Massachusetts also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Newburyport | $1,470 | $2,237 |
| Andover | $1,587 | $2,422 |
| Leominster | $1,644 | $2,509 |
| Beverly | $1,696 | $2,591 |
| Fitchburg | $1,781 | $2,729 |
| Lowell | $1,971 | $3,014 |
| Boston | $2,103 | $3,206 |
| Worcester | $2,198 | $3,373 |
| Springfield | $2,400 | $3,687 |
| Chelsea | $2,693 | $4,105 |
How to reduce car insurance rates in Massachusetts for a bad driving record
Finding affordable car insurance in Massachusetts is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
Massachusetts car insurance laws for high-risk drivers
If you’re considered a high-risk driver in Massachusetts, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don’t need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
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