In our analysis, State Farm emerges as the most affordable option for young drivers, senior drivers, those with a speeding ticket and drivers with an accident. For drivers with a DUI, Hanover offers the cheapest rates.
High-Risk Car Insurance MA
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm, American Family and Plymouth Rock Assurance are the most affordable options for high-risk drivers seeking minimum and full coverage car insurance in the Bay State.
High-risk drivers can find annual premiums as low as $556 for state minimum coverage, while full coverage costs can reach up to $2,483, depending on the provider.
To secure the best deal on high-risk car insurance, identify your coverage needs, research average costs and discounts, and compare offers from multiple insurers.
Cheapest Car Insurance for High-Risk Drivers in MA
| State Farm | Young Drivers | $22 |
| State Farm | Senior Drivers | $17 |
| State Farm | Drivers With a Speeding Ticket | $22 |
| State Farm | Drivers With an Accident | $31 |
| Hanover | Drivers With a DUI | $35 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap MA High-Risk Car Insurance Providers
While our above table gives an overview of affordable companies for high-risk insurance, it doesn't cover every unique driver profile. Below, we've provided a table for you to compare rates from top providers, helping you find the best fit for your particular needs.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| State Farm | $61 | $732 |
| American Family | $108 | $1,300 |
| Plymouth Rock Assurance | $121 | $1,451 |
| Arbella | $144 | $1,731 |
| Safety Group | $157 | $1,878 |
How Much is High-Risk Car Insurance in MA?
Overall, high-risk car insurance costs in Massachusetts can range anywhere from $34 to $207, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $46 | $556 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you live in Massachusetts and have a driving record with violations, you might wonder how long these will affect your car insurance costs. Major offenses, like DUIs or reckless driving, can impact your rates for up to 10 years.
For smaller violations, your rates could be higher for about three to five years after the incident. Each insurance company has its own rules about this, so your rates could vary based on its policies.
Massachusetts High-Risk Car Insurance: Buyer's Guide
Finding car insurance as a high-risk driver can be challenging. Our guide helps you understand what makes you high-risk, find affordable providers and know your options if denied by insurers.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Insurance companies see these drivers as high-risk because they are more likely to file claims. This can lead to higher premiums. Understanding these factors can help drivers make informed decisions about their insurance coverage.
Tips To Find the Best High-Risk Car Insurance in MA
Below, you'll find key tips to save money and choose the best provider for high-risk car insurance in the Bay State.
- 1
Decide What Coverage You Need
To avoid getting influenced by others or meeting overbearing agents, determine the necessary car insurance coverage before comparing companies. Include considerations for add-ons like rideshare coverage and roadside assistance. Utilize tools like our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Knowing the average costs tailored to your profile along with potential discounts can empower you to evaluate deals when comparing providers. Also, consider enrolling in defensive driving courses certified in your state, which can help reduce premiums by as much as 10%. Being well-informed will guide you in identifying the best options available.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile and usage-based insurance programs is a viable way to cut expenses, especially for drivers with low mileage. Companies like Geico offer telematics programs that assess your driving behavior and provide as much as a 30% discount on auto policies. These options cater specifically to safe drivers, offering substantial savings opportunities.
- 4
Compare Multiple Providers
After evaluating your coverage needs, compare offerings from at least three providers to understand the market better. Use diverse channels like independent brokers and online comparison platforms, since rates can significantly differ even among similar companies. Ensure you compare equivalent coverage plans to accurately assess how each insurance provider measures up against the others.
What To Do if You Get Denied Coverage in Massachusetts
Car insurance companies can choose not to insure you if they find your details too risky. But don't worry, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:30 a.m.–4:30 p.m. ET
maipsupport@commauto.com
Phone
(617) 338-4000
Fax
(617) 338-5422
Mailing Address
101 Arch Street, Suite 400
Boston, MA 02110
Car Insurance for High-Risk Drivers in MA: Bottom Line
Research shows that State Farm, Safety Group, and Vermont Mutual are the most affordable for high-risk insurance in Massachusetts. While these companies offer competitive rates, it's wise to do your own research to find the best deal. If you're denied coverage, programs are available to help you secure affordable insurance.
MA Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Massachusetts.
What is the cheapest high-risk car insurance provider in Massachusetts?
State Farm is the cheapest high-risk car insurance provider in Massachusetts for drivers with a speeding ticket, offering rates at about $22 monthly.
Hanover offers the most affordable monthly premium for drivers with a DUI in Massachusetts, approximately $35.
What do I do if I get denied for coverage?
If denied coverage, contact AIPSO for options. State Farm offers young drivers a premium of $22 per month. Hanover is suitable for DUI drivers, costing $35 monthly.
How much more expensive is high-risk car insurance in Massachusetts?
High-risk car insurance in Massachusetts for adults between 30 and 50 is considerably more expensive. A clean record could have an average monthly premium of around $114 for full coverage, while high-risk profiles such as a DUI could see average rates up to $181 — about 59% higher.
For state minimum coverage, the increase is from approximately $46 to $76, a 65% jump.
How We Chose The Cheapest High-Risk Car Insurance in Massachusetts
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state's minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.