Cheapest car insurance for high-risk drivers in Massachusetts

Which company has the cheapest car insurance in Massachusetts for a bad driving record?

State Farm offers the cheapest average car insurance rate for high-risk drivers in Massachusetts at $964 a year. GEICO and Safety Insurance also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

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

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How much is high-risk car insurance in Massachusetts?

The average cost of high-risk car insurance in Massachusetts is $2,639 per year. Depending on your driving history and insurer, you may be able to find rates as low as $964 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Massachusetts, MA is $2,695

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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

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Average annual rate

People ask

Who is considered a high-risk driver in Massachusetts?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Massachusetts after a DUI?

State Farm offers the cheapest average rate for drivers with multiple tickets at $785 annually or $65 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

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What is the cheapest car insurance in Massachusetts with multiple tickets?

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $785 a year or $65 a month.

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

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Massachusetts?

State Farm offers the cheapest average reckless driving insurance rates in Massachusetts at $1,207 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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

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Expert's Insight Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.

What company has the cheapest car insurance in Massachusetts after an accident?

State Farm has the cheapest average rates after an accident at $1,037 per year. GEICO also offers lower-than-average rates at $1,890 annually.

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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Massachusetts?

Newburyport has the cheapest average high-risk insurance premiums in Massachusetts at $2,237 annually. Meanwhile, Chelsea has the highest average rates at $4,105 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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

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How can high-risk drivers lower their car insurance rates in Massachusetts?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Massachusetts, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

People ask

How long are you considered a high-risk driver in Massachusetts?

Three years is common, but how long you are considered a high-risk driver in Massachusettsdepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Massachusetts's insurance requirements for high-risk drivers?

If you're a high-risk driver in Massachusetts, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Massachusetts

Can high-risk drivers get full coverage car insurance in Massachusetts?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Massachusetts?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.