The vehicle model driven is a large factor when looking for cheaper coverage for drivers with a bad driving record. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost less to insure than high performance models.
The next list estimates auto insurance prices for a number of the most affordable automobiles to insure in Massachusetts.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$5,170|
|Ford Escape XLT 4WD||$5,179|
|Hyundai Elantra GLS Touring Station Wagon||$5,329|
|Ford F-150 FX2 Super Cab 2WD||$6,031|
|Toyota Tacoma 4WD||$6,039|
|Volkswagen Jetta S 4-Dr Sedan||$6,242|
|GMC Sierra SLE Crew Cab 2WD||$6,250|
|Toyota RAV4 Limited 2WD||$6,242|
|Chevrolet Impala LT||$6,304|
|Jeep Grand Cherokee Laredo 4WD||$6,311|
|Ford Explorer Limited 4WD||$6,307|
|Chevrolet Malibu LT||$6,374|
|Dodge Grand Caravan Crew||$6,379|
|Ford Focus SEL 4-Dr Sedan||$6,509|
|Honda Odyssey EX-L W/Rear Entertainment||$6,577|
|Ford Edge Sport 2WD||$6,585|
|Toyota Corolla XRS||$6,647|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$6,655|
|Chevrolet Equinox LTZ AWD||$6,647|
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Premium data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price information does not factor in garaging location in Boston, MA which can influence rates significantly.
Looking at the numbers, you can figure that makes and models like the Honda CR-V, Ford Escape, Hyundai Elantra, Toyota Prius, and Ford F-150 are a few of the less-costly vehicles to insure for bad drivers. Rates will tend to be more expensive because of the fact that there is more claim exposure for drivers with a bad driving record, but in general those models will tend to have the best rates compared to all other vehicles.
For bad drivers, one of the more important considerations that are looked at to help calculate car insurance rates is where you keep your vehicle in Boston. Regions with larger populations or more claims tend to pay slightly more, whereas areas that tend to be more rural benefit from lower rates.
The following table shows the most expensive places in Massachusetts for drivers with a bad driving record in which to buy car insurance. Boston shows up at #7 with the annual price of $1,788 on average, which is about $149 per month.
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Rate information is comparative as the specific Boston residence address can impact price quotes greatly.
Discount Boston auto insurance
Auto insurance companies that offer cheap quotes for drivers with a bad driving record may have special discounts that may potentially lower prices by 25% or more if you are eligible to receive them. Larger insurance companies and a summarized list of policyholder discounts can be found below.
- Progressive has savings for multi-policy, multi-vehicle, continuous coverage, homeowner, good student, online quote discount, and online signing.
- SAFECO offers discounts including anti-lock brakes, drive less, teen safe driver, teen safety rewards, bundle discounts, safe driver, and homeowner.
- American Family may include discounts for mySafetyValet, defensive driver, multi-vehicle, Steer into Savings, TimeAway discount, good driver, and early bird.
- MetLife may offer discounts for good student, accident-free, multi-policy, good driver, defensive driver, and claim-free.
- GEICO has discounts for air bags, driver training, five-year accident-free, membership and employees, and emergency military deployment.
- The Hartford offers premium reductions for air bag, driver training, defensive driver, bundle, and good student.
The diagram below shows the difference between insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a male driver, two traffic citations and two accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, marriage, passive restraint, anti-theft, continuous coverage, and paperless filing discounts applied. When discounts are applied, the average amount saved each year on insurance for drivers with a bad driving record is 29% or $1,064.
The information below shows how different deductible levels can impact premium costs when quoting cheap insurance for drivers with a bad driving record. The price estimates are based on a single male driver, full coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower rates by $418 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $626 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could save as much as $1,240 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be required to have enough funds in savings to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
If you wish to have some advice when trying to find the best insurance rates for bad drivers, the agencies below can provide answers to your questions and help you determine which coverage fits your budget.
To find a Boston insurance agency using an interactive map, click the button after the list.
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222
Regus insurance Agency, LLC
287 Newbury St – Boston, MA 02115 – (617) 902-0011
Meridian Insurance Agency, LLC
175 William F McClellan Hwy #112 – East Boston, MA 02128 – (617) 567-5710
How to find more affordable car insurance for drivers with a bad driving record
Here are a few thrifty suggestions that can help drivers quote lower-cost auto insurance.
- Do not insure for full coverage
- Avoid accidents
- Increase your physical damage deductibles
- Violations like speeding or DUI increase rates
- Try to pay small claims out-of-pocket
- Compare prices frequently to find the best deal
The last suggestion is especially significant, as we emphasized in the article above. Coverage prices can change in a short period of time, so don’t be tentative to change to a new company if a cheaper price is available. Having brand loyalty is commendable, but we do not recommend it if that devotion results in you overpaying money that could be used for better things. Take a couple minutes and compare prices and find cheaper auto insurance for drivers with a bad driving record in Boston.