Best Cheap Car Insurance Companies for High-Risk Drivers in Massachusetts

Insurance companies perceive you as risky to insure based on your driving record and may charge you higher rates. Shopping around and comparing quotes from different providers is the only way to find the best deal for you.

In Massachusetts, State Farm offers the best blend of affordability and customer service for high-risk drivers. On the other hand, Plymouth Rock Assurance is the cheapest auto insurer. On average, its policies for high-risk drivers cost $1,128 annually. Your actual rate may vary depending on your unique situation.

Insurers often view high-risk drivers as more likely to file an auto insurance claim. You may qualify as high risk if you have a history of at-fault accidents, tickets, violations or a DUI conviction. Being a teen driver also makes you risky to insure due to a lack of experience on the road.

Insurance companies usually charge more expensive premiums to offset the costs of covering you in an anticipated accident. In Massachusetts, expect to pay 35% more for car insurance if you're a high-risk driver.

Based on MoneyGeek’s analysis, the most affordable car insurance for high-risk drivers in Massachusetts is Plymouth Rock Assurance. This company offers policies to various high-risk driver profiles with an average annual premium of $1,128.

Visit MoneyGeek’s in-depth review of Plymouth Rock Assurance to learn more about its pros, cons and rates.

According to MoneyGeek's study, the best car insurance company for high-risk drivers in Massachusetts is State Farm, which received a 92 out of 100. Our State Farm review provides an in-depth look at its coverage, average rates and customer service to help you learn more about the company.

The next-best Massachusetts insurer for high-risk drivers is GEICO. GEICO also earned a MoneyGeek score of 92 out of 100 but is slightly less affordable than State Farm.

MoneyGeek found that Plymouth Rock Assurance offers the cheapest car insurance in Massachusetts for drivers following a DUI conviction, costing $1,175 per year on average. Browse our Plymouth Rock Assurance review to learn more about the insurance company’s coverages, discounts and customer service.

For current and former military members with a DUI, another affordable option for high-risk car insurance in the state is USAA.

MoneyGeek's study identified GEICO as the cheapest car insurance company in Massachusetts for teenage drivers. GEICO offers auto insurance policies for teens at an average of $2,555 per year.

Your actual rate will depend on your age and other factors. Learn more about this insurer by checking out our GEICO review.

Insurance companies usually consider a driver’s history and profile when determining car insurance rates. As a result, high-risk drivers tend to get more expensive premiums.

Case in point, high-risk drivers in Massachusetts pay an average of $1,742 per year for coverage compared to those with a clean record, who pay $1,141. That’s a difference of over $600.

MoneyGeek's Massachusetts car insurance calculator can help you estimate how much you'll pay for a policy based on personal details, such as age, driving record, vehicle type and coverage level. Our tool can also help you identify which factor has the most significant impact on your rates.

Because car insurance is a voluntary market, companies may refuse to cover you if they consider you too risky to insure. If this happens, your best option is to look for a residual market plan through the Automobile Insurance Plan Service Office (AIPSO). For the past 48 years, this national, not-for-profit corporation has provided services to the auto insurance residual market and helped high-risk drivers find coverage.

AIPSO has a state-by-state database to help you find a residual market plan based on your location. In Massachusetts, the residual market plan is called the Massachusetts Automobile Insurance Plan (MAIP), offered by Commonwealth Automobile Reinsurers (CAR).

To be eligible for MAIP coverage, you need certification showing you could not obtain insurance in the voluntary market within 15 days prior to your MAIP application. After assessing that your application is in good faith, you will be assigned an insurance company.

Getting insurance coverage when you’re considered a high-risk driver can be challenging. To help ease this process, MoneyGeek answered some frequently asked questions about high-risk car insurance in Massachusetts.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.