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How Much Does Auto Insurance Cost for Drivers with a DUI in Massachusetts?

Enter your Massachusetts zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 13, 2019

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When the topic is car insurance, the words “cheap” or “affordable” should not appear as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for drivers with a DUI may be a thing of the past. But fear not, because we will tell you how you can quote auto insurance that is cheaper than what you are paying now.

The car, truck, or SUV you are buying coverage for is one of the main factors when looking for the cheapest auto insurance for drivers with a DUI. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The list below illustrates car insurance costs for a selection of the more affordable vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Drivers with a DUI in Massachusetts
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,196
Honda CR-V EX-L 4WD $1,224
Ford F-150 XLT Regular Cab 2WD $1,228
Chevrolet Traverse LTZ AWD $1,244
Toyota Prius $1,251
Ford Edge SE AWD $1,302
Chevrolet Equinox LT AWD $1,328
Subaru Forester X Premium AWD $1,330
Kia Forte EX 4-Dr Sedan $1,340
Chevrolet Malibu LT $1,352
Toyota Highlander SE 2WD $1,359
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,352
Ford Focus S 4-Dr Sedan $1,392
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Data rating is based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can decrease or increase rates considerably.

Based on these rates, we can presume that cars like the Ford Escape, Honda CR-V, Ford F-150, and Chevrolet Traverse are likely to be a few of the most economical vehicles to insure after getting a DUI. The cost of auto insurance will be higher anyway because there is more inherent risk for drivers with a DUI, but generally speaking those particular vehicles will most likely have the best rates possible.

After getting a DUI, one of the big factors that helps insurance companies calculate the amount you pay for auto insurance is where you keep your vehicle in Massachusetts. Urban areas that are densely populated like Revere, Lynn, and Malden tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheap car insurance for drivers with a DUI in Massachusetts.

The table below illustrates the most expensive places in Massachusetts for drivers with a DUI to purchase auto insurance in.

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How much is auto insurance in Massachusetts?
Rank City Average Per Year
1 Revere $2,192
2 Brockton $2,080
3 Lynn $1,920
4 Lawrence $1,915
5 Malden $1,879
6 Springfield $1,870
7 Boston $1,752
8 New Bedford $1,750
9 Worcester $1,678
10 Fall River $1,666
11 Somerville $1,616
12 Quincy $1,596
13 Medford $1,574
14 Lowell $1,573
15 Chicopee $1,515
16 Weymouth $1,506
17 Cambridge $1,461
18 Brookline $1,442
19 Haverhill $1,424
20 Taunton $1,412
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Rates are estimated as specific Massachusetts zip code can influence prices considerably.

Full coverage versus liability only rates

Finding cheap car insurance for drivers with a DUI in Massachusetts is probably important to the majority of people, and one way to buy cheap insurance is to not pay for full coverage. The illustration below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an additional $1,873 per year over having just liability coverage. That may make you wonder if buying full coverage is a good investment. There is no definitive formula for eliminating comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 annually for full coverage, the it may be a good time to stop paying for full coverage.

State Farm, Geico, Allstate, or Progressive: Which is best?

If you’re looking for the best auto insurance, some of the largest companies to start with are State Farm, Geico, Allstate, and Progressive. If you add them together, they insure 48.5% of all car insurance policies in America. All offer your standard physical damage and liability coverages, but each one has a distict selection of optional coverages and features that drivers can select from. The next table shows price, claims, and customer service ratings, as well as some optional coverages that are available.

Largest Car Insurance Companies Compared
State Farm Geico Allstate Progressive
Number of Discounts 3rd 2nd 1st 4th
Claims Rank 2nd 3rd 1st 4th
Client Satisfaction 4th 1st 2nd 3rd
Price Rank 2nd 1st 4th 3rd
Amount of market share 18.3% 11.4% 10% 8.8%
Recommend by customers 88% 87% 86% 88%
A.M. Best rating A++ A++ A+ A+
Standard & Poor’s financial rating AA AA+ AA- AA
Rideshare coverage Yes Yes Yes Yes
Usage-based insurance Yes No Yes Yes
Breakdown insurance No Yes No Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage No Yes Yes Yes
New car replacement No No Yes No
Coverage in Massachusetts Yes Yes Yes Yes
Insurance Agents State Farm exclusive agents Can buy online or use a Geico agent Can only buy from Allstate agents Indpendent agents or online
Number of agents 18,000+ 150+ 11,000+ 30,000+
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How to find cheaper car insurance for drivers with a DUI

Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help Massachusetts drivers quote lower-cost auto insurance.

  • Violations and traffic tickets increase rates
  • Higher deductibles mean lower rates
  • If your vehicles are older, consider dropping full coverage
  • Frequent claims will increase rates
  • Avoid at-fault accidents and claims
  • Compare prices frequently to find the best deal

The final tip is especially valuable, as was discussed in this write-up. Insurance rates can be adjusted at any time, so drivers shouldn’t be resistant to buy a policy from a new company if a more affordable price is available.

Having a favorite company is fine, but it’s not a good idea if that devotion results in you overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for drivers with a DUI.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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