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Cheap DUI Car Insurance in Massachusetts (With Quotes)

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Massachusetts (2022)

For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.

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 a DUI in Massachusetts.

CarrierAvg. Monthly Cost
Travelers$75
American Family Insurance$205

DUI Car Insurance Costs in Massachusetts

In Massachusetts, a DUI or DWI offense will on average have drivers paying $365 per month and $4,380 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 90% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$192
Avg. Monthly Cost - After DUI
$365
$173 ▴
90.10% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Massachusetts?

A DUI will touch almost every part of your life—your driving record, relationships, finances, and of course, your car insurance rates.

Maintaining a clean driving record is the best way to keep your car insurance rates low. The average monthly car insurance cost in Massachusetts is $192.The figure jumps to $364.61 when a DUI comes into the picture. That's an 89.9 percent or $172.61 increase for an avoidable mistake! Hopefully this rate increase will make any driver think twice before getting behind the wheel intoxicated.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$192$36590.10%

What Are the Average Car Insurance Prices After a DUI in Massachusetts?

Your circumstances will dictate your car insurance rate after you're charged with a DUI. However, most Massachusetts drivers with a DUI on their record pay $364.61 per month to stay on the road. That figure makes Massachusetts the 28th most expensive state for car insurance after receiving a DUI.

Carefully comparison-shopping car insurance rates is the best decision after you've been charged with a DUI in Massachusetts. Don't just compare prices, however; look at insurers' other products to see where you can possibly save money with discounts and get the most coverage.

Massachusetts After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$36528th

How Long Is the Lookback Period for a DUI in Massachusetts?

A lookback period is how long a DUI remains on a driver's record. The length of time varies by state, but Massachusetts has a lifetime lookback period for DUIs. This means a DUI will remain on your driving record permanently, and any future infractions will add to the total, making the punishment more severe. DUIs remain visible to insurance companies for five years in many states but will remain on Massachusetts drivers' records for 10.

Maintaining a lower insurance rate should be all the motivation you need to keep a clean driving record once you're charged with a DUI. It's more important to do so in Massachusetts, however, because that first DUI will always count as a "prior" violation, making subsequent ones that much more costly.

Massachusetts DUI Penalties

DUI penalties in Massachusetts vary depending on the driver's age, license type, driving history, and other circumstances. Typically, first-time offenders could face up to two and a half years in jail, a fine of $500 to $5,000, and revocation of their license for a year. Penalties only get more severe for subsequent DUIs.
Massachusetts drivers under the age of 21 who are caught driving with a BAC of at least .02 but less than .08 will have their license automatically suspended for 30 days and face an additional Junior Operator's License suspension. The maximum penalties for a Massachusetts driver under 21 and charged with a DUI include jail time of up to two and half years, a fine up to $5,000, and a one-year license suspension.

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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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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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