- 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
- Compare Massachusetts high-risk driver car insurance rates with other states
Cheapest car insurance in Massachusetts for a bad driving record
State Farm, Geico, Safety Insurance provides affordable car insurance for high-risk drivers with bad driving record in Massachusetts.
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 problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Massachusetts, high-risk car insurance costs $2,639. However, you can get rates as low as $964 from State Farm.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Massachusetts?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Massachusetts with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,257.
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 |
Cheapest car insurance in Massachusetts with multiple tickets
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $785 or $65.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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 offers 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 and Geico have the lowest car insurance rates after an accident at $1,037 and $1,890, respectively.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean 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 at $2,237. But the most expensive city is Chelsea with rates of $4,105.
Your location in Massachusetts also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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.
PEOPLE ASK:
How long are you considered a high-risk driver in Massachusetts?
Three years is common, but how long you're seen as a high-risk driver in Massachusetts depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Massachusetts car insurance laws 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.
Compare Massachusetts high-risk driver car insurance rates with other states
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