Car Insurance for High-Risk Drivers in Massachusetts (2026)
The cheapest auto insurer for Massachusetts high-risk drivers is USAA, with an average monthly liability premium of $104.
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Writer: Danny SmithInsurance Writer
Writer: Danny SmithInsurance Writer
Qualifications:
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, 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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Quick Facts
USAA and GEICO offer the cheapest car insurance for high-risk drivers with a past operating under the influence (OUI) conviction in Massachusetts, with respective average liability-only rates of $129 and $132 per month.
About 7% of Massachusetts drivers have an accident on their driving records, and about 0.5% have an OUI conviction.
Many insurers in Massachusetts offer discounts to drivers who complete defensive driving courses, including Amica, GEICO, and USAA.
Average cost of high-risk car insurance in Massachusetts
The average cost of car insurance in Massachusetts for high-risk drivers with a past driving incident is $118 per month for liability coverage and $157 for full coverage. Drivers with clean records pay significantly lower rates, as insurance companies have fewer reasons to assume risk.
Check out the table below to see average monthly costs for drivers in Massachusetts with different profiles.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $103 | $137 |
| Speeding ticket | $139 | $185 |
| At-fault accident | $126 | $167 |
| OUI | $169 | $225 |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap High-Risk Car Insurance in Massachusetts
Minimum-coverage rates start as low as $61/mo. for high-risk drivers
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Cheapest car insurance in Massachusetts by violation
USAA, GEICO, and Liberty Mutual have the cheapest car insurance for Massachusetts drivers with violations on their records, according to Insurify data.
The type of violation you have on your record can have a major effect on how much you’ll pay as a high-risk driver. For example, an OUI will typically affect your rates much more than a speeding ticket.
Cheapest rates for high-risk drivers with OUIs in Massachusetts
USAA is the cheapest auto insurer for high-risk drivers in Massachusetts with an OUI, with an overall average monthly premium of $156. But USAA is available only to military members and their families. GEICO is the next-cheapest insurer, at $159 per month. Only 0.5% of drivers in Massachusetts have an OUI, according to Insurify data.
Below, you can see the average cost of car insurance for Massachusetts drivers with an OUI.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With OUI | Average Monthly Quote: Liability Only With OUI |
|---|---|---|
| State Farm | $109 | $77 |
| USAA | $184 | $129 |
| GEICO | $187 | $132 |
| Safeco | $273 | $172 |
| Liberty Mutual | $278 | $192 |
| Progressive | $317 | $189 |
| Travelers | $422 | $296 |
| Bristol West | $437 | $255 |
| Amica | $589 | $414 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
Cheapest rates for MA drivers with at-fault accidents
USAA has the cheapest rates for high-risk drivers in Massachusetts with at-fault accidents, with an average monthly premium of $132. GEICO is the second-cheapest insurer, at $132 per month. In Massachusetts, around 7% of drivers have an at-fault accident on their driving record, according to Insurify data.
Here are the lowest average car insurance rates for Massachusetts drivers with a history of at-fault accidents.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With At-Fault Accident | Average Monthly Quote: Liability Only With At-Fault Accident |
|---|---|---|
| State Farm | $91 | $64 |
| GEICO | $155 | $109 |
| USAA | $156 | $109 |
| Safeco | $217 | $137 |
| Liberty Mutual | $232 | $160 |
| Progressive | $235 | $140 |
| Travelers | $359 | $252 |
| Bristol West | $364 | $212 |
| Amica | $500 | $352 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
Cheapest rates for drivers with speeding tickets in Massachusetts
Massachusetts drivers with speeding tickets can find the lowest car insurance rates from USAA and GEICO, which have average rates of $136 and $140 per month, respectively. About 3% of drivers in Massachusetts have a speeding ticket, according to Insurify data.
See the average car insurance costs for Massachusetts drivers with a speeding ticket.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With Speeding Ticket | Average Monthly Quote: Liability Only With Speeding Ticket |
|---|---|---|
| State Farm | $93 | $66 |
| USAA | $160 | $112 |
| GEICO | $164 | $115 |
| Safeco | $221 | $139 |
| Liberty Mutual | $239 | $165 |
| Progressive | $261 | $155 |
| Travelers | $369 | $259 |
| Bristol West | $374 | $218 |
| Amica | $522 | $367 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
Best Massachusetts auto insurance companies for high-risk drivers
USAA, GEICO, and Liberty Mutual stand out as the best auto insurance companies in Massachusetts for high-risk drivers. USAA has the lowest average rates and is a great choice for veterans and existing military members.
GEICO offers numerous discounts for drivers, and Liberty Mutual has solid add-on coverage offerings. The three insurers are also the most affordable in the state for high-risk drivers.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| GEICO | $109 |
| USAA | $109 |
| Liberty Mutual | $160 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
USAA: Best for military members and their families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.9
Best choice in MassachusettsBased on 4,429 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 10 reviews from Massachusetts driversSee all 1,721 USAA reviews
Verified Review
Reviewed in Massachusetts on September 21, 2026
Amazing.
Verified Review
Reviewed in Massachusetts on September 6, 2026
I was with AAA until I learned that USAA canceled my policy on August 24. I don’t recall ever giving them the right to do that. However, I was told that I had two accidents listed on my MVR, which caused my premium to increase from $132 to $289 per month. That’s more than I could ever imagine. I’m a senior citizen on a fixed income, and this is really going to make things very hard for me financially.
The accident listed as “minor” was appealed, and I was found not guilty. The “major” accident was caused by an uninsured driver. It’s my hope that a way can be found to lower my rate.
Also, while I was shopping around before USAA, I was told that this policy will lapse on September 11. Could someone please let me know if that is true as soon as possible? Thank you.
Verified Review
Reviewed in Massachusetts on July 20, 2026
Not sure why, but I’m going to be 71 years old in August and have an excellent driving record. It’s costing me $174.00 each month for insurance for my 2008 Ford Fusion.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is the best auto insurer in Massachusetts for high-risk drivers who are active-duty military members or qualifying family members. It’s a great choice for the more than 240,000 veterans living in Massachusetts.
USAA has some of the cheapest rates in the state for high-risk drivers, offers exclusive coverages and discounts to its members, and has excellent customer satisfaction ratings.
Pros
Low rates for high-risk drivers in Massachusetts
A++ (Superior) financial strength rating from AM Best
Highest customer satisfaction rating in J.D. Power Auto Insurance Study for the New England region
Cons
Fewer discounts than some competitors
Available only to military-affiliated drivers
1.3 out of 5 stars on Trustpilot
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.0
Best choice in MassachusettsBased on 21,235 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 39 reviews from Massachusetts driversSee all 8,290 GEICO reviews
Verified Purchase
Reviewed in Massachusetts on September 22, 2026
So far, so good. Very helpful when signing on.
Verified Purchase
Reviewed in Massachusetts on September 22, 2026
Terrific so far, but I’m anxiously awaiting what it will be like when it’s time for renewal.
Verified Purchase
Reviewed in Massachusetts on September 21, 2026
Great! The only thing I’m sad about is that I did it all online. It went so well and I saved money, so I referred my coworker. He went in person to a local agent and got a gift bag with goodies and a little gecko. I’m so jealous I didn’t get the little GEICO gecko as well. Other than that, I’m very pleased.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is the best car insurance company in Massachusetts for high-risk drivers seeking discounts. The insurer offers nearly two dozen ways for drivers to save, which can come in handy when facing the high rates often associated with high-risk drivers.
The insurer also has solid financial strength ratings and customer satisfaction scores, ranking above average in J.D. Power’s 2026 U.S. Auto Insurance Study in the New England region.
Pros
Affordable rates
A++ (Superior) financial strength rating from AM Best
Above-average customer satisfaction rating in J.D. Power Auto Insurance Study in the New England region
Cons
Doesn’t offer gap coverage
Limited local agents
1.4 out of 5 stars on Trustpilot
Liberty Mutual: Best for coverage options
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $125/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
3.4
A solid option in MassachusettsBased on 4,521 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 5 reviews from Massachusetts driversSee all 2,052 Liberty Mutual reviews
Verified Review
Reviewed in Massachusetts on February 18, 2026
They are pretty good. They have decent prices. They are helpful with claims but don't always respond right away.
Verified Review
Reviewed in Massachusetts on February 7, 2026
Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.
Verified Review
Reviewed in Massachusetts on January 4, 2026
My experience with Liberty Mutual is mostly good. I like the flexibility of being able to pay and find my forms online. I didn’t find auto glass replacement to be easy with Liberty Mutual. The company they recommended didn’t have our windshield, so I had to find another company myself. I wish the original prices they quoted me did not go up so much. Each year, the price increases beyond what I’m happy with. That being said, when I price other companies, there are none that are cheaper. So I’m staying with Liberty Mutual.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
626
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Liberty Mutual is the best insurer for high-risk drivers in Massachusetts seeking a wide variety of coverage options. It offers add-ons such as accident forgiveness, gap insurance, and new-car replacement coverage, making it a great option for customization. The insurer also offers homeowners, condo, flood, renters, and life insurance.
Pros
Above-average customer satisfaction rating in J.D. Power Auto Insurance Study in the New England region
4.2 out of 5 stars on Trustpilot
Offers accident forgiveness
Cons
Not as affordable as USAA and GEICO
Above-average number of complaints on the National Association of Insurance Commissioners complaint index
Lower AM Best rating than USAA and GEICO
How we chose the best car insurance companies for high-risk drivers 
When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.
How to find cheaper car insurance for high-risk drivers in Massachusetts
High-risk drivers in Massachusetts have several ways to try to find cheaper car insurance. Try some of the following methods to lower your car insurance rates:
Compare car insurance quotes. Insurance companies weigh risk factors differently, so it’s important to get quotes from multiple companies before buying a policy.
Work with an independent agent. A local independent insurance agent can help you navigate the Massachusetts insurance landscape and help you find the best deal.
Increase your deductible. Raising your deductible will directly decrease your car insurance rate. Make sure you can afford a higher deductible before increasing it.
Take a defensive driving course. Ask around about insurance companies that offer reduced rates for drivers who take a defensive driving course. Amica, GEICO, and USAA all sell car insurance in Massachusetts and advertise discounts for completing a defensive driving course.
Look into the Massachusetts Automobile Insurance Plan (MAIP). If standard insurers won’t offer you a policy due to your poor driving record, MAIP can get you coverage through a participating company.[1]
Massachusetts minimum car insurance requirements for high-risk drivers
Unlike many states, Massachusetts doesn’t require high-risk drivers to file an SR-22 form, though every driver has to meet a liability insurance requirement. But if you receive a conviction for a violation in another state that requires an SR-22, you may need to maintain one to continue to drive there.
All Massachusetts drivers must carry the following minimum coverages, regardless of whether they’re high-risk drivers.[2]
Coverage Type | Massachusetts Minimum Requirement | What It Covers |
|---|---|---|
| Bodily injury liability per person | $25,000 | Injuries you cause to another person in an accident |
| Bodily injury liability per accident | $50,000 | Injuries you cause to everyone involved in an accident |
| Property damage liability | $30,000 per accident | Damage you cause to someone’s property or vehicle |
| Uninsured/underinsured motorist coverage | $25,000 per person/$50,000 per accident | Injuries you sustain from an accident with an uninsured or underinsured driver |
| Personal injury protection (PIP) | $8,000 per person, per accident | Your medical bills and lost wages, regardless of fault |
Who is a high-risk driver in Massachusetts?
Car insurance companies will generally consider you a high-risk driver in Massachusetts if you have an OUI, an at-fault accident, or multiple moving violations on your record. Massachusetts uses the Safe Driver Insurance Plan (SDIP), assigning between two and five surcharge points per incident.[3]
For an OUI, Massachusetts sets the legal blood alcohol limit at 0.08% for drivers 21 and older and 0.02% for drivers younger than 21. The state doesn’t require high-risk drivers to carry an SR-22.[4]
Shop for High-Risk Car Insurance in Massachusetts
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How long will Massachusetts consider you a high-risk driver?
SDIP points will stay on your driving record in Massachusetts for six years from the date of the incident. Every violation carries its own six-year clock, so multiple incidents can overlap, increasing your rates. The effect of a single incident on your car insurance rates will gradually decrease, provided you don’t pick up any new traffic violations.
Massachusetts high-risk drivers insurance FAQs
Check out the answers to some of the most commonly asked questions about Massachusetts high-risk drivers.
What does high-risk car insurance mean?
High-risk auto insurance is coverage for drivers that insurers consider more likely to file a claim. It’s not a separate type of car insurance, but rather a standard policy with higher rates. It’s typically for drivers with OUIs, accidents, or speeding tickets on their records.
What is reckless driving in Massachusetts?
Massachusetts law cites reckless driving as operating a vehicle in a way that endangers the public. If you have a reckless driving conviction, you can face a fine of $20–$200, up to two years in jail, and a license suspension.
What is the penalty for driving without insurance in Massachusetts?
The penalty for driving without insurance in Massachusetts is a $500–$5,000 fine, up to one year in jail, and a 60-day license suspension for a first offense, according to Massachusetts law.
Can you switch insurance companies if you’re a high-risk driver in Massachusetts?
Yes. You can switch insurance companies at any time in Massachusetts, even if you’re a high-risk driver. If you want to switch insurers, you should always compare car insurance quotes from multiple companies to find the best rates.
Sources
- Massachusetts Division of Insurance. "Massachusetts Auto Insurance Plan (MAIP)."
- Massachusetts Division of Insurance. "Basics of Auto Insurance."
- Massachusetts Division of Insurance. "Safe Driver Insurance Plan."
- The General Court of the Commonwealth of Massachusetts. "Driving while under influence of intoxicating liquor."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Danny SmithInsurance Writer
Writer: Danny SmithInsurance Writer
Qualifications:
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.