Best Cheap Car Insurance Companies for High-Risk Drivers in Massachusetts


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ByMark Fitzpatrick
Edited byKatherine Kurtz
ByMark Fitzpatrick
Edited byKatherine Kurtz

Updated: May 20, 2024

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Insurance companies perceive you as risky to insure based on your driving record and may charge you higher rates. Shopping around and comparing quotes from different providers is the only way to find the best deal for you.

In Massachusetts, State Farm offers the best blend of affordability and customer service for high-risk drivers. On the other hand, Plymouth Rock Assurance is the cheapest auto insurer. On average, its policies for high-risk drivers cost $1,128 annually. Your actual rate may vary depending on your unique situation.

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2024

Best Companies for High-Risk Drivers in 2023

Insurers often view high-risk drivers as more likely to file an auto insurance claim. You may qualify as high risk if you have a history of at-fault accidents, tickets, violations or a DUI conviction. Being a teen driver also makes you risky to insure due to a lack of experience on the road.

Insurance companies usually charge more expensive premiums to offset the costs of covering you in an anticipated accident. In Massachusetts, expect to pay 35% more for car insurance if you're a high-risk driver.

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WHAT EXACTLY IS A HIGH-RISK DRIVER?

A high-risk driver is someone who has severe violations on their driving record. These include driving under the influence of alcohol or drugs (DUI), driving with a suspended or revoked license, driving recklessly or drag racing.

In some cases, insurance providers may still consider you risky with a clean driving record. Some examples of high-risk drivers include:

  • 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
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Massachusetts for High-Risk Drivers

Based on MoneyGeek’s analysis, the most affordable car insurance for high-risk drivers in Massachusetts is Plymouth Rock Assurance. This company offers policies to various high-risk driver profiles with an average annual premium of $1,128.

Visit MoneyGeek’s in-depth review of Plymouth Rock Assurance to learn more about its pros, cons and rates.

Plymouth Rock AssuranceAnnual Premium$1,128
State FarmAnnual Premium$1,184
GEICOAnnual Premium$1,283
Safety GroupAnnual Premium$1,701
AllstateAnnual Premium$1,733
Arbella Insurance GroupAnnual Premium$1,761
ProgressiveAnnual Premium$1,875
TravelersAnnual Premium$3,268
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SR-22 INSURANCE

Drivers convicted of a serious traffic violation or caught driving without insurance or a license often need SR-22 insurance. SR-22 is a form your insurer files to prove you have car insurance that meets your state's minimum requirements.

Although SR-22 insurance is not mandatory in Massachusetts, a driver registered there may have to file if convicted of a DUI in a state where it is required.

Best Car Insurance in Massachusetts for High-Risk Drivers

According to MoneyGeek's study, the best car insurance company for high-risk drivers in Massachusetts is State Farm, which received a 92 out of 100. Our State Farm review provides an in-depth look at its coverage, average rates and customer service to help you learn more about the company.

The next-best Massachusetts insurer for high-risk drivers is GEICO. GEICO also earned a MoneyGeek score of 92 out of 100 but is slightly less affordable than State Farm.


1
State FarmBest for High-Risk Drivers
Score:96

5/5

Affordability Rating

5/5

Satisfaction Rating

4.5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

In Massachusetts, State Farm's high-risk auto insurance costs around $1,184 annually. Its insurance rates tend to increase by 33% for high-risk drivers versus those with clean records.

More About State Farm

Available in 50 states and Washington, D.C., State Farm offers inexpensive rates for most drivers. It also provides rideshare insurance and several discounts for students and good drivers. However, the insurer lacks common coverages like accident forgiveness, gap insurance and better car replacement.

2
GEICO
Score:51

0.8/5

Affordability Rating

5/5

Satisfaction Rating

5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

GEICO offers car insurance for high-risk drivers in Massachusetts at approximately $1,283 per year, which is 30% higher than the rate for those with clean records.

More About GEICO

GEICO has affordable policies for all types of drivers. It offers mechanical breakdown insurance, roadside assistance, rental car reimbursement and accident forgiveness. Furthermore, GEICO gives rare discounts when you wear your seatbelt, install anti-lock brakes or have daytime running lights.

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MONEYGEEK EXPERT TIP

You shouldn’t have to sacrifice quality on a budget. Looking for low-income car insurance in Massachusetts can help. Although there’s no government-supported car insurance program in the state to assist low-income drivers, shopping for minimum coverage or pay-per-mile insurance may be ideal for those who don't travel much.

Cheapest Car Insurance in Massachusetts for Drivers With a DUI

MoneyGeek found that Plymouth Rock Assurance offers the cheapest car insurance in Massachusetts for drivers following a DUI conviction, costing $1,175 per year on average. Browse our Plymouth Rock Assurance review to learn more about the insurance company’s coverages, discounts and customer service.

For current and former military members with a DUI, another affordable option for high-risk car insurance in the state is USAA.

Plymouth Rock AssuranceAnnual Premium$1,175
State FarmAnnual Premium$1,444
GEICOAnnual Premium$1,523
ProgressiveAnnual Premium$1,649
Safety GroupAnnual Premium$2,098
AllstateAnnual Premium$2,245
Arbella Insurance GroupAnnual Premium$2,295
TravelersAnnual Premium$3,468
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LOOK-BACK PERIODS

A look-back period is the window of time wherein a DUI remains on your driving record. Look-back periods vary depending on the state, but they are usually long to accommodate criminal sentencing for repeat offenders. Massachusetts has a lifetime look-back period, meaning all prior DUI convictions are counted.

Cheapest Car Insurance in Massachusetts for Teenage Drivers

MoneyGeek's study identified GEICO as the cheapest car insurance company in Massachusetts for teenage drivers. GEICO offers auto insurance policies for teens at an average of $2,555 per year.

Your actual rate will depend on your age and other factors. Learn more about this insurer by checking out our GEICO review.

GEICOAnnual Premium$2,555
State FarmAnnual Premium$2,642
AllstateAnnual Premium$4,633
ProgressiveAnnual Premium$7,931
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MONEYGEEK EXPERT TIP

Auto insurance premiums can get expensive, especially for teenagers and students. Nevertheless, choosing full coverage car insurance over state minimum coverage is advisable — the extra coverage in case of an accident will give you priceless peace of mind. Shop around and compare quotes to find the best cheap car insurance for teenage and student drivers.

How Much Does Car Insurance Cost for High-Risk Drivers in Massachusetts?

Insurance companies usually consider a driver’s history and profile when determining car insurance rates. As a result, high-risk drivers tend to get more expensive premiums.

Case in point, high-risk drivers in Massachusetts pay an average of $1,742 per year for coverage compared to those with a clean record, who pay $1,141. That’s a difference of over $600.

Annual Car Insurance Cost in MA for Low-Risk vs. High-Risk Drivers

car2Colored
Annual Premium

Low-Risk Driver

$1,143
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Annual Premium

High-Risk Driver

$1,742
In Massachusetts, high-risk drivers pay:$599 more

This is 52% more expensive.

MoneyGeek's Massachusetts car insurance calculator can help you estimate how much you'll pay for a policy based on personal details, such as age, driving record, vehicle type and coverage level. Our tool can also help you identify which factor has the most significant impact on your rates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 24, 2024

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Can You Still Get Car Insurance in Massachusetts if Insurers Refuse to Insure You?

Because car insurance is a voluntary market, companies may refuse to cover you if they consider you too risky to insure. If this happens, your best option is to look for a residual market plan through the Automobile Insurance Plan Service Office (AIPSO). For the past 48 years, this national, not-for-profit corporation has provided services to the auto insurance residual market and helped high-risk drivers find coverage.

Massachusetts Automobile Insurance Plan

AIPSO has a state-by-state database to help you find a residual market plan based on your location. In Massachusetts, the residual market plan is called the Massachusetts Automobile Insurance Plan (MAIP), offered by Commonwealth Automobile Reinsurers (CAR).

To be eligible for MAIP coverage, you need certification showing you could not obtain insurance in the voluntary market within 15 days prior to your MAIP application. After assessing that your application is in good faith, you will be assigned an insurance company.

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Frequently Asked Questions

Getting insurance coverage when you’re considered a high-risk driver can be challenging. To help ease this process, MoneyGeek answered some frequently asked questions about high-risk car insurance in Massachusetts.

Which car insurance company is best for high-risk drivers in Massachusetts?
How much does car insurance in Massachusetts cost for high-risk drivers?
Who do insurers classify as a high-risk driver?
Where do I get car insurance coverage in Massachusetts if insurers reject my application?

Methodology

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.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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