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.
UPDATED: Nov 13, 2019
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
|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|
|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|
|Start Your Quote Go|
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.
|Rank||City||Average Per Year|
|Compare Prices Now Go|
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.
|Number of Discounts||3rd||2nd||1st||4th|
|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|
|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+|
|Get Quotes Go|
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.
Frequently Asked Questions
- How Much Does Car Insurance Cost?
- Cheap Car Insurance: Myth or Reality?
- Will a Speeding Ticket Raise My Car Insurance Rates?
- Car Insurance Rates 2018: Why are Prices Increasing?
- How Much Does Car Insurance Cost for a 16 Year Old?
- Which Cars are Cheapest to Insure?
- Does a Teenager with a Learner’s Permit Need to be Listed on my Policy?
- View All Coverage Questions
Popular Rate Quotes
- Ford F-150 Insurance
- Dodge Ram Insurance
- Honda CR-V Insurance
- Nissan Rogue Insurance
- Ford Edge Insurance
- Toyota Corolla Insurance
- Hyundai Tucson Insurance
- Toyota Rav4 Insurance
- Dodge Grand Caravan Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area