Cheapest car insurance for high-risk drivers in Massachusetts
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Massachusetts is State Farm, followed by Geico and Progressive.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,069 | $89 |
| Geico | $1,830 | $153 |
| Progressive | $2,366 | $197 |
| Allstate | $3,074 | $256 |
| American Family | $3,393 | $283 |
| Travelers | $3,574 | $298 |
| USAA | $2,077 | $173 |
Average rates for high-risk drivers in Massachusetts by driving record
Average cost of car insurance in Massachusetts for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,152 |
| USAA | $1,921 |
| Geico | $2,011 |
| Progressive | $2,761 |
| American Family | $3,114 |
| Travelers | $3,815 |
| Allstate | $4,168 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Massachusetts for a driver with a DUI is State Farm with an average annual of $1,391 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,391 | $116 |
| Progressive | $2,136 | $178 |
| Geico | $2,311 | $193 |
| Travelers | $3,680 | $307 |
| American Family | $3,910 | $326 |
| Allstate | $5,222 | $435 |
| USAA | $3,307 | $276 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Massachusetts, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $872 per year or $73 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $872 | $73 |
| Geico | $1,509 | $126 |
| Progressive | $2,358 | $197 |
| American Family | $3,114 | $260 |
| Travelers | $3,504 | $292 |
| USAA | $1,571 | $131 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Massachusetts, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,339 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,339 | $112 |
| Geico | $2,311 | $193 |
| Progressive | $2,622 | $219 |
| Travelers | $3,680 | $307 |
| American Family | $3,715 | $310 |
| USAA | $2,368 | $197 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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