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Updated March 9, 2022
Cheapest Companies for Drivers With Bad Credit in Massachusetts (2022)
For drivers with bad credit in Massachusetts, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Massachusetts. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Massachusetts.
|Carrier||Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.|
|Midvale Home & Auto||$125|
|American Family Insurance||$149|
Bad Credit Car Insurance in Massachusetts
Unlike most of the states in America, Massachusetts has a different approach to how it handles bad credit. Along with California and Hawaii, Massachusetts has laws in place that prevent insurance providers from using credit history to determine auto insurance rates. This is great news if you have had issues with your credit history in the past.
It also means that some insurance carriers may look harder at other factors to determine your rates. Often, your driving history, the car you drive, and your location in the state can be weighed more heavily to determine what your overall risk assignment should be.
Massachusetts Car Insurance Rates for Bad Credit Drivers
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Massachusetts?
Even though insurance providers can't legally base rates on a driver's credit history, there may be other factors that result in higher rates. Often, motorists who have bad credit are more likely to participate in riskier driving habits, which can account for the almost 10 percent increase in rates for coverage.
The small percentage increase is much more manageable than in other states where credit checks aren't allowed. For example, in California, there is a difference of 9 percent between drivers with good and bad credit.
Can I Get Car Insurance With No Credit Check in Massachusetts?
Drivers in Massachusetts will be happy to know that having bad credit doesn't affect you like it does in other states. In fact, Massachusetts is one of only a handful of states where credit checks aren't done to obtain car insurance.
Massachusetts law actually forbids any auto insurance company from using credit information or credit-based insurance scores when determining rates, underwriting a new policy, or renewing an old car insurance plan.
Massachusetts Car Insurance Rates by Credit Tier
Even though insurance companies aren't basing rates on your credit tier, drivers in the excellent category tend to pay the least for coverage. Likewise, those who are tagged as having poor credit will notice they have the highest average monthly costs.
|Credit Tier||Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.|
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Car Insurance Rates With Bad Credit in Massachusetts Cities
The price for auto insurance coverage can vary dramatically depending on what Massachusetts city you live in. Drivers who are a part of the Lawrence community tend to pay lower rates around $107, while drivers in Lynn pay $171.
|City||Credit Tier||Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.|
Tips for Researching Bad Credit Massachusetts Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Massachusetts draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Massachusetts Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Massachusetts. Insurify analyzed the latest data for the five most populous cities in Massachusetts to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Massachusetts and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.