Plymouth Rock Assurance offers the most affordable car insurance for Massachusetts drivers with a DUI, with monthly rates at approximately $59 for minimum coverage. GEICO, Amica Mutual and Progressive also provide competitive rates, with monthly premiums for minimum coverage at roughly $97, $109 and $111.
DUI Car Insurance in Massachusetts
Updated: June 25, 2025
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Key Takeaways
Our research shows Plymouth Rock Assurance offers Massachusetts DUI drivers the lowest rate at $59 per month.
The average monthly cost for minimum coverage with a DUI is $113, while full coverage costs around $239.
After a DUI in Massachusetts, you must file an SR‑22 and maintain minimum liability coverage of 20/40/5, along with $8,000 personal injury protection (PIP) as required by the state.
Cheapest DUI Car Insurance in Massachusetts
| Plymouth Rock Assurance | $59 | $178 |
| GEICO | $97 | $195 |
| Amica Mutual | $109 | $230 |
| Progressive | $111 | $177 |
| Arbella | $118 | $223 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Massachusetts
We understand that your profile may not match the ones we used for the table above. So we’ve broken down the cheapest car insurance for a DUI for combinations including coverage level, age group and credit.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Plymouth Rock Assurance | $59 | $704 |
| Safety Group | $95 | $1,144 |
| GEICO | $97 | $1,158 |
| Amica Mutual | $109 | $1,304 |
| Progressive | $111 | $1,335 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Massachusetts law for most drivers.
How Much Does DUI Car Insurance Cost in Massachusetts?
In Massachusetts, expect to pay roughly $1,356 annually for DUI car insurance, varying with your driver profile. Such an infraction can hike your rates by an average rate of 74% for minimum liability. We've laid out the average costs for you, detailing by coverage level and age group.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $113 | $1,356 | $48 | $576 | 74% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Massachusetts law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN MASSACHUSETTS?
In Massachusetts, a conviction for driving under the influence remains on your driving record permanently. However, most insurers in the state typically use a six-year look-back period when calculating your car insurance premiums.
During this time, your premiums may increase by 80% to 100%, with an average hike of around 96%. Insurers often rely on the safe driver insurance plan (SDIP), which assigns surcharge points for violations and accidents within the previous six years. After the six-year period, if you maintain a clean driving record, your rates may gradually begin to drop.
Additional Costs to Consider When Having a DUI in Massachusetts
A DUI conviction in Massachusetts has consequences well beyond insurance hikes. Here's a refined breakdown of costs you should prepare for:
- Fines and court costs. First-time DUI (OUI) convictions come with base fines from $500 up to $5,000, depending on your BAC level and case severity. Courts also impose a mandatory $250 offender surcharge and a $50 victim impact assessment on top of that.
- Jail time, probation and monitoring. First-time convictions carry up to 2½ years of potential jail time, but are often reduced to probation. Offenders may need to log in-person check-ins, participate in breath monitoring, or complete up to 30 hours of community service.
- Towing or vehicle forfeiture. Police-ordered tow fees can reach $108, and storage costs are capped at $35 per day. After 30 days, unclaimed vehicles might be sold or forfeited.
- Ignition interlock device (IID). Under Massachusetts law, offenders must install an IID. The device costs around $75–$100 to install, plus lease fees ranging from $50 to $100 monthly. Monthly administrative fees to the RMV are an additional $30.
- License reinstatement. Fees to restore your license depend on offense count: about $500 after the first OUI, rising to $700 for a second, and $1,200 for a third.
- Education and treatment programs. All OUI offenders must complete a state-approved alcohol or substance education program (up to 90 days), with costs varying by provider, usually several hundred dollars.
- Attorney fees and restitution. Legal representation for DUI cases typically costs between $1,500 and $5,000. If your OUI involves an accident, you are liable for medical bills, vehicle repairs, and civil claims.
Massachusetts DUI Car Insurance Requirements
After a DUI in Massachusetts, you are required to carry an SR‑22 for three years (longer for repeat offenses) and maintain minimum liability coverage: $20,000/$40,000 bodily injury, $5,000 property damage, $20,000/$40,000 uninsured motorist coverage, and $8,000 PIP. Starting July 1, 2025, injury limits rise to $25,000/$50,000 and property damage to $30,000, while PIP remains unchanged. Missing a payment or filing lapse can immediately suspend your privilege to drive.
Other Massachusetts DUI Laws to Know
Massachusetts takes operating under the influence (OUI) offenses seriously, and beyond drugged-driving penalties, strict rules govern fines, imprisonment, monitoring devices and license reinstatement rules.
Fines
A first-time OUI carries a base fine of $500 to $5,000 depending on your blood-alcohol content, plus mandatory surcharges (e.g., $250 for offenders, $50 for victim impact). Repeat offenses bring larger fines and additional court fees.
Imprisonment and release
OUI convictions can lead to up to 2.5 years in jail, though first offenders often receive probation with conditions like breath monitoring, electronic tracking, or up to 30 hours of community service.
Impounding of vehicles
Authorities can impound your vehicle for up to 30 days following an OUI. You’ll be responsible for towing fees (up to around $108) and daily storage (up to $35/day), and repeated offenses may result in permanent vehicle forfeiture.
Suspension periods
A first OUI typically results in a 45 to 90 day suspension if conditions are met, or up to one year for a conviction. Multiple offenses result in longer suspension periods, including limited hardship licenses after hearings. Third or subsequent convictions trigger multi-year or even lifetime revocations.
DUI education requirements
All OUI offenders must complete a state-approved alcohol education or treatment program, mandatory before reinstatement. First offenders attend an initial session, while repeat offenders require more intensive or long-term treatment.
Ignition interlock device (IID)
Under Melanie’s Law, first-time offenders seeking hardship licenses with high BAC may be required to install and maintain an IID for the duration of license restrictions. Repeat offenders must install the device for at least two years post-reinstatement. Installation costs about $75 to $100, plus $50 to $100 monthly, and a $30 monthly RMV administration fee.
Vehicle registration cancellation
Under Melanie's Law, a third or subsequent OUI can result in cancellation of vehicle registration for the duration of the suspension, and a fourth OUI may lead to full forfeiture of vehicle ownership.
How to Get the Best Cheap Massachusetts Car Insurance With a DUI
Getting affordable car insurance after a DUI in Massachusetts isn’t always easy but it’s possible to find coverage that fits your budget and meets legal requirements.
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Understand your needs
Following a DUI conviction in Massachusetts, you’ll be required to carry at least the minimum liability coverage, but you may need more depending on your situation. Consider your income, driving habits and location when assessing whether you need more coverage. We also provide an auto insurance coverage needs calculator to help you begin.
- 2
Research costs and discounts
Start by researching average car insurance premiums for drivers in your profile and location. While you won’t find discounts specifically for DUI drivers, many insurers offer other savings opportunities.
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Compare multiple providers
Don’t settle for the first policy you’re offered. Collect quotes from multiple providers—through comparison tools, independent brokers, or company websites. Be sure to match coverage levels when comparing so you're seeing an accurate picture of your options.
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Use state high-risk car insurance programs if denied
If you’re unable to find standard coverage, Massachusetts participates in the Massachusetts Automobile Insurance Plan (MAIP). This state-assigned risk plan ensures that high-risk drivers can still obtain legally required insurance, though premiums are typically higher than market rates.
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Make lifestyle or vehicle changes
Some cars are more expensive to insure than others. In Massachusetts, if you're shopping for a new vehicle, consider choosing one from our list of the cheapest cars to insure to help save you money.
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Consider non-traditional coverage types
If you don’t drive often (say, fewer than 7,000 miles annually) you could save money with a pay-per-mile policy. Some insurers also offer usage-based discounts for safe driving habits, tracked through apps or devices.
Cheap DUI Insurance in Massachusetts: Bottom Line
Plymouth Rock Assurance, GEICO and Amica Mutual are the most affordable car insurance providers for Massachusetts drivers with a DUI. We encourage you to compare rates and research costs to ensure you snag the best deal. Knowing the coverage you need in advance can lead to more savings.
DUI Insurance in Massachusetts: FAQ
Below are MoneyGeek's expert answers to common questions about DUI insurance in Massachusetts.
Who has the cheapest car insurance for Massachusetts drivers with a DUI?
For Massachusetts drivers with a DUI, Plymouth Rock Assurance often provides the most affordable minimum coverage, while for full coverage, it's Progressive that tends to be the cheapest.
How much does a DUI increase rates in Massachusetts?
A DUI in Massachusetts can increase your rates up to 74% for minimum coverage and 73% for full coverage.
How much does DUI car insurance in Massachusetts Cost?
In Massachusetts, minimum coverage car insurance for drivers with a DUI averages $113 monthly, while full coverage typically costs $239 per month.
How We Chose the Cheapest Car Insurance for Massachusetts' DUI Drivers
To determine the top companies for drivers with DUIs in Massachusetts, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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.
sources
- Mass.gov. "Massachusetts Auto Insurance Plan (MAIP)." Accessed June 25, 2025.