Massachusetts Car Insurance for High Risk Drivers (With Quotes)

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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John Leach
Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Updated October 31, 2024

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Cheapest recent rates in Massachusetts for drivers with a traffic citation

Drivers using Insurify have found quotes as cheap as $104/mo for liability only and $136/mo for full coverage in Massachusetts.

*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 31, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 31, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 31, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 31, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest Insurance Companies for High Risk Drivers in Massachusetts (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers 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.
Travelers$66
Midvale Home & Auto$181
American Family Insurance$185
Liberty Mutual$214

What Makes a Driver High-Risk in Massachusetts?

Whenever a car insurance company takes on a new customer, the company will first evaluate the customer's driving record. If a driver has certain mistakes in their past, such as speeding or a DUI, they'll be considered high-risk and may have to deal with higher car insurance rates.

In the Bay State, a few serious mistakes can lead you to being dubbed a "high-risk driver." These mistakes include at-fault accidents, DUIs, speeding tickets, and reckless driving. If you're a high-risk driver, you should probably expect higher prices for insurance. But that shouldn't stop you from browsing Massachusetts's wide range of insurance options.

Massachusetts Car Insurance Rates for High-Risk Drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Massachusetts?

A high-risk driving charge can stay on your driving record for years and lead to higher car insurance rates. In Massachusetts, something as simple as a lane-changing violation can earn you a reckless driving charge.

Unfortunately, car insurance providers aren't the most forgiving when it comes to high-risk driving charges on your record. Massachusetts drivers with a reckless driving charge could see their rates go up by nearly 30 percent. Here is how some high-risk driving charges can affect your car insurance rates in Massachusetts:

Driving History
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.
No Violation$140
Speeding Ticket$147
At-Fault Accident$162
Reckless Driving$181
Failure to Stop$163

How Much Does a Speeding Ticket Impact Car Insurance Rates in Massachusetts?

When you go too fast on the road, you can endanger yourself and the drivers around you. And more immediately, a speeding ticket in Massachusetts raises your insurance rates by an average of $7. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Does an at-Fault Accident Impact Insurance Rates in Massachusetts?

An accident can happen to even the best of drivers. And when you find yourself at fault in an accident in Massachusetts, you could see your car insurance rates increase by $22 a month. Here are the rates you can expect in Massachusetts after an at-fault accident:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Massachusetts?

When you roll through a red light or stop sign in Massachusetts, your car insurance rates could go up by about $23 a month—nearly $300 a year. Though this mistake may prevent you from getting the cheapest rates out there, it's still worth doing your research to find a reasonable rate. Here are typical rates for Massachusetts drivers with this kind of offense on their record:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Does Driving With a Suspended License Impact Car Insurance Rates in Massachusetts?

Whenever a car insurance company takes on a new customer, the company will first evaluate the customer's driving record. If a driver has certain mistakes in their past, such as speeding or a DUI, they'll be considered high-risk and may have to deal with higher car insurance rates.

In the Bay State, a few serious mistakes can lead you to being dubbed a "high-risk driver." These mistakes include at-fault accidents, DUIs, speeding tickets, and reckless driving. If you're a high-risk driver, you should probably expect higher prices for insurance. But that shouldn't stop you from browsing Massachusetts's wide range of insurance options.

Tips for Researching High-Risk Massachusetts Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Massachusetts draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

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FAQs - Massachusetts Car Insurance

  • Why is car insurance so expensive in Massachusetts?

    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.

  • Do car insurance rates vary by county in Massachusetts?

    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.

  • Which providers have the best auto insurance ratings in Massachusetts?

    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.

  • How much do annual auto insurance rates increase in Massachusetts?

    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

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

John Leach
Edited byJohn LeachSenior Insurance Copy Editor
Photo of an Insurify author
John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

Featured in

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Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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