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Massachusetts Car Insurance for High Risk Drivers (With Quotes)
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Written by
Mark Steinbach
Insurance Writer
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.
Updated March 9, 2022
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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
No Violation$140
Speeding Ticket$147
At-Fault Accident$162
Failure to Stop$163
Reckless Driving$181
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:
No Violation - Avg. Monthly Rate$140
Speeding ticket - Avg. Monthly Rate$147
$7 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$140
Speeding ticket - Avg. Monthly Rate$162
$22 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$140
Speeding ticket - Avg. Monthly Rate$163
$23 ▴
Avg. Monthly Rate Increase
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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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.
