Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Massachusetts: Everything You Need to Know
Your car insurance provider may choose not to renew your policy following a DUI violation. However, if they do renew your policy, your average annual rates for car insurance with a DUI in Massachusetts can increase from $1,096 for a full coverage policy without a DUI to $2,008 with a DUI.
Advertising & Editorial DisclosureLast Updated: 9/29/2022
In Massachusetts, GEICO offers the best car insurance for someone with a DUI for both full coverage and minimum coverage policies. If you want affordable coverage, Plymouth Rock Assurance is the cheapest car insurance for DUI drivers in Massachusetts for both minimum and full coverage policies.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - Plymouth Rock Assurance
Cheapest minimum coverage after a DUI - Plymouth Rock Assurance
Best full coverage after a DUI - GEICO
In Massachusetts, all drivers are required to carry car insurance. However, after a DUI violation, your insurance provider can refuse to cover you since they are not legally obligated to do so. Some car insurance companies may choose to renew your policy but at much higher rates since you will be classified as a high-risk driver.
In Massachusetts, rates for car insurance after a DUI conviction increase significantly. This increase is due to the fact that drivers with violations are considered more likely to get into accidents, meaning the risk to the insurer is greater when covering a driver with a DUI conviction.
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Cheapest Car Insurance Companies in Massachusetts After a DUI
Nationally, Progressive and State Farm are the cheapest car insurers for drivers with a DUI conviction. However, the cheapest option can vary depending on which state you’re in. In Massachusetts, Plymouth Rock Assurance has the cheapest rates for car insurance with a DUI.
Cheapest Companies for Full Coverage in Massachusetts After a DUI
The cheapest companies for full coverage car insurance for drivers with a DUI in Massachusetts are:
- Plymouth Rock Assurance: $1,226 per year
- GEICO: $1,365 per year
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1Plymouth Rock Assurance$1,226
- 2GEICO$1,365
- 3State Farm$1,426
- 4Progressive$1,606
- 5MetLife$1,690
Cheapest Companies for Minimum Coverage in Massachusetts After a DUI
If you need affordable minimum coverage car insurance in Massachusetts after a DUI violation, the cheapest companies are:
- Plymouth Rock Assurance: $560 per year
- State Farm: $653 per year
Cheapest Car Insurance for Minimum Coverage After a DUI
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- CompanyMinimum Annual Premium
- $560
- $653
- $844
- $909
- $923
MONEYGEEK EXPERT TIP
If you are looking for affordable car insurance after a DUI, minimum coverage policies are usually the cheapest option. However, while minimum coverage will meet all state requirements for car insurance, it may not give you the level of coverage you need to be fully protected.
Top Car Insurance Companies in Massachusetts After a DUI
MoneyGeek used a comprehensive scoring system that incorporates affordability, customer satisfaction and financial stability ratings to rank the best car insurance companies for drivers with DUI convictions in Massachusetts. The best company for full coverage and minimum coverage policies for drivers with a DUI in Massachusetts is GEICO.
Best Companies for Full Coverage in Massachusetts After a DUI
GEICO and Allstate are the best providers for full coverage policies in Massachusetts after a DUI conviction. These companies offer the best balance of cost and quality service for drivers who have a DUI conviction on record.
1
GEICOBest full coverage after a DUI
Score:4.5
GEICO’s full coverage policy costs an average of $1,365 per year for drivers with a DUI, which is 70% higher than what a driver without a DUI violation pays at an average of $800 per year.
More About GEICO
GEICO offers a good balance of quality service and affordability for drivers with different profiles, including those with a DUI. This company also offers a wide range of discounts to policyholders as well as unique coverage options such as mechanical breakdown assistance.
2
Allstate
Score:4.1
In Massachusetts, drivers with a DUI pay an average of $2,200 per year for an Allstate full coverage policy, 99% more than the cost of $1,103 for drivers without a DUI.
More About Allstate
Allstate has good customer service ratings among auto insurers in Massachusetts. Allstate does not score highly in affordability but they offer unique coverage options such as custom parts coverage for drivers with customized vehicles.
Best Companies for Minimum Coverage in Massachusetts After a DUI
GEICO and Allstate are the best companies in Massachusetts for minimum coverage after a DUI. If you’re looking for the cheapest car insurance after a DUI in Massachusetts, a minimum coverage policy may be the best option. Keep in mind though that this type of policy is usually not enough for most people since it offers limited protection.
1
GEICOBest minimum coverage after a DUI
Score:4
Massachusetts drivers with a DUI pay an average of $844 per year for minimum coverage car insurance from GEICO, which is 73% higher than the rate for drivers without a DUI at $486 per year on average.
More About GEICO
GEICO scores well in affordability and customer satisfaction. This provider also offers a wide range of discounts which can make their policies even cheaper. Policyholders can choose from a range of coverage options including mechanical breakdown insurance, rental car reimbursement and accident forgiveness.
2
Allstate
Score:4
If you have a DUI in Massachusetts, the cost for Allstate’s minimum coverage car insurance is $1,073 per year on average compared to an average of $518 for a driver without a DUI. This means you pay 107% more if you have a DUI.
More About Allstate
Allstate offers coverage for custom parts and sound system coverage and also ranks highly for customer service and complaints. This provider is moderately priced, but you can take advantage of discounts such as bundling, good student, safe driving, anti-theft system and more to make your policy more affordable.
How Much Does Car Insurance Cost in Massachusetts After a DUI?
Car insurance in Massachusetts costs an average of $2,008 per year after a DUI. Compared to the cost for drivers without a DUI at $1,096 per year, having a DUI violation can increase your car insurance rates by up to 83%. Car insurance for DUI offenders tends to be more expensive because DUI drivers are more likely to be involved in accidents or crashes.
MoneyGeek broke down the costs of car insurance before and after a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,096
Average Cost with DUI
Full Coverage
$2,008Full coverage policy premiums after a DUI cost::$912 more
This is 83% more expensive.
Drivers with DUI violations in Massachusetts pay significantly higher rates for car insurance since they are classified as high-risk by auto insurance companies.
If you want to get personalized car insurance quotes for your profile, you can use MoneyGeek’s car insurance calculator below.
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MONEYGEEK EXPERT TIP
In Massachusetts, DUI violations can have more consequences than just a higher cost of car insurance. Some of the other financial implications of a DUI violation include:
- Fines, court and attorneys' fees: You will incur fines after a DUI conviction that include court and attorney fees. All these fees can be quite costly.
- Towing and impound fees: Once you have been arrested for a DUI offense, your car will be towed and you’ll need to pay towing and impound fees.
- Drug education and treatment: You may be required to attend an alcohol or drug education program following a DUI.
- DMV reinstatement fee: If your driving license is suspended after your driving conviction, you will need to pay a DMV reinstatement fee to get it reinstated.
Getting Car Insurance in Massachusetts After a DUI
Getting car insurance in Massachusetts after a DUI can be challenging because insurers may choose not to renew your policy. This is allowed since insurance companies are private businesses and they are not obligated to cover high-risk drivers.
You may also have trouble getting car insurance in Massachusetts after a DUI because the lifetime lookback period for the state means that a DUI will remain on your driving record permanently.
However, some insurers offer car insurance to drivers with violations such as DUI. To get the best rates for your profile you can compare quotes to get the most affordable options.
MONEYGEEK EXPERT TIP
In Massachusetts drivers with a DUI violation are not required to file SR-22 insurance. However, insurance companies will consider you a high-risk driver, so your car insurance rates may increase. If you want to get the most affordable car insurance after a DUI, you can compare quotes from different providers to find the best and cheapest car insurance for high-risk drivers.
Massachusetts DUI Laws
A DUI is a serious offense in Massachusetts. It comes with legal repercussions that range from having your license suspended to paying fines. The legal repercussions may vary depending on the state laws where you live. MoneyGeek highlighted Massachusetts’ DUI laws below.
Driving with a BAC at or above 0.08% is considered a DUI
In Massachusetts, it's illegal to drive if you have a Blood Alcohol Concentration (BAC) above 0.08%. Even if your BAC is below 0.08, you may still get arrested if you look impaired or are unable to drive well.
Driving with a BAC at or above 0.20% will result in increased penalties
If you are caught with a BAC above 0.20% in Massachusetts, you will be required to complete an assessment and alcohol treatment of the level of the offender’s addiction to alcohol or drugs, and the department’s recommended course of treatment.
90-day administrative license suspension on first offense
For your first DUI offense in Massachusetts, your driving license will be suspended for 90 days.
Limited driving privileges
In Massachusetts, you can get limited driving privileges after your license is suspended but you need to apply for a hardship driver’s license.
Ignition interlocks are mandatory for repeat offenders
Ignition interlock devices are mandatory for repeat DUI convictions in Massachusetts. If you get a hardship license, you must use the device the entire time you have the hardship license and keep using the device for two more years after your license has been reinstated.
Open container laws
In Massachusetts, you may not drink alcohol while driving or have an open alcoholic drink inside your vehicle. If you are convicted of this offense, you will be fined $100 to $500.
Repeat offender laws
Repeat DUI offenders in Massachusetts may incur the following penalties: fines ranging from $600 to $10,000, 30 days to over two years in prison and suspension of their driver's license for two years.
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Frequently Asked Questions
If you want to learn more about car insurance after a DUI in Massachusetts, you can get more information by reviewing MoneyGeek’s answers to the most frequently asked questions.
Methodology
To determine the top companies for individuals with DUIs in Massachusetts, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
sources
- Mass.gov. "Alcohol Drugs and Driving." Accessed April 23, 2022.
- Mass.gov. "Apply for a Hardship Driver’s License." Accessed April 23, 2022.