The type of vehicle you are insuring is one of the biggest factors when consumers are trying to find cheap auto insurance for drivers with a DUI. Vehicles with average performance, good safety features, or a low likelihood of having liability claims will cost less to insure than higher performance models.
The next list features auto insurance costs for the cheapest vehicles to insure in Massachusetts.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,873|
|Honda Accord LX-P 4-Dr Sedan||$2,003|
|Hyundai Elantra GLS Touring Station Wagon||$2,049|
|Ford Explorer XLT AWD||$2,096|
|Ford Edge SE AWD||$2,179|
|Ford F-150 STX Regular Cab 2WD||$2,194|
|Ford Fusion S 4-Dr Sedan||$2,220|
|Chevrolet Equinox LT 2WD||$2,228|
|Chevrolet Impala LT||$2,220|
|Ford Escape Limited 4WD||$2,223|
|Toyota Tacoma Double Cab 4WD||$2,264|
|Dodge Grand Caravan CV||$2,303|
|Toyota Camry SE||$2,344|
|Volkswagen Jetta SE 2.5 Station Wagon||$2,362|
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Data 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 multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can modify coverage prices significantly.
Based upon the table data, cars like the Honda CR-V, Honda Accord, Hyundai Elantra, and Ford Explorer will definitely be the cheapest vehicles to insure after getting a DUI. Auto insurance rates will be more expensive because of the fact that there is more exposure for drivers with a DUI, but generally speaking those makes and models will tend to have the lowest insurance rates possible.
Establishing which company quotes the lowest-priced insurance rates for drivers with a DUI will take a tad more effort than just comparing rates from one or two companies. Each auto insurer uses a little different formula for setting rates, so we need to take a look at the insurance companies that tend to have lower prices in Massachusetts.
Best Auto Insurance Prices after a DUI
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$831|
|9||Norfolk and Dedham||$1,046|
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State Farm may offer some of the cheapest car insurance rates in Boston at around $733 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the cheapest Boston, MA car insurance companies.
As the example above demonstrates, if you are a policyholder with Commerce Group and switched to State Farm, you could realize a yearly savings of in the vicinity of $142. Policyholders with OneBeacon might save as much as $143 a year, and Progressive customers might lower prices by $256 a year.
It’s important to note that these rates are averages for all drivers and vehicles in Massachusetts and do not take into consideration an exact zip code location for drivers with a DUI. So the company that fits your situation best may not even be in the top 21 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Discounts on Boston auto insurance
Car insurance companies that provide coverage for drivers with a DUI may have policy discounts that could lower prices by as much as 35% if you meet the requirements. The best insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm offers discounts for Drive Safe & Save, good driver, student away at school, defensive driving training, and accident-free.
- Farmers Insurance may have discounts that include multi-car, bundle discounts, homeowner, switch companies, electronic funds transfer, and mature driver.
- Progressive has savings for multi-policy, continuous coverage, online quote discount, good student, and homeowner.
- GEICO policyholders can earn discounts including defensive driver, federal employee, emergency military deployment, anti-theft, and driver training.
- Auto-Owners Insurance includes discounts for company car, student away at school, multiple vehicles, anti-theft, and multi-policy.
- The Hartford offers discounts including anti-theft, air bag, vehicle fuel type, defensive driver, bundle, good student, and driver training.
- Farm Bureau offers premium reductions for renewal discount, good student, 55 and retired, youthful driver, safe driver, multi-policy, and multi-vehicle.
- USAA has discounts for good student, safe driver, defensive driver, annual mileage, military installation, vehicle storage, and driver training.
The information below compares insurance prices with and without some available policy discounts. The rates are based on a male driver, no accidents and one citation, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with continuous coverage, homeowner, vehicle safety, paperless filing, passive restraint, and anti-theft discounts applied. In this example, theamount saved on insurance for drivers with a DUI is 28% or $595.
Choosing a highly-rated auto insurance provider is hard considering how many choices you have in Massachusetts. The company information listed below can help you decide which auto insurers you want to consider putting your business with.
These rankings include large, nationwide insurance companies, so smaller companies that only insure vehicles in Massachusetts are not taken into consideration for these rankings. To check prices from these and other competitive companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
The benefits of price comparisons
Massachusetts insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Improving your credit score, getting married, or having an at-fault accident can trigger price changes that can now make some companies cheaper in comparison to the competition. Not only may things change on your end, but companies change premium rates as needed to reflect underwriting profits or losses. Heavier than normal losses can cause price increases, while a lower level of claims may result in cheaper Boston car insurance rates.
For instance, the chart below shows rates for the cheapest car insurance in Boston, MA for a 30-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we compare prices based on her current situation, State Farm quotes the cheapest car insurance rates in Boston at $949 per year. This is $286 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, Commerce Group, GEICO, and OneBeacon are the remainder of the most affordable Boston, MA auto insurance companies.
Now we will pretend the driver from the first example a claim or two, a little lower credit rating, and a stop sign violation. Since each auto insurance company has their own process to set premium rates, comparing rates may now result in a different ranking of the cheapest car insurance companies in Boston as shown below.
Arbella now has the lowest price on auto insurance in Boston with USAA, Norfolk and Dedham, Amica, and Commerce Group also having competitive pricing. This example illustrates why it is critical to perform a complete rate comparison when trying to get cheap car insurance rates for drivers with a DUI.
Insurance prices can be altered by many different factors and can change substantially, so the most economical option three years ago may now be priced much higher than other options.
The Boston, MA, insurance agents below are willing to help you decide which coverages and limits you need, since some drivers wish to have some advice when comparing insurance rates after getting a DUI. It can be difficult to find the cheapest rates, and a professional agent can provide comfort knowing your coverage gives you sufficient coverage for your assets. To find an agent close to where you live, click the button below the list or click here to get price quotes now.
- A-Affordable Insurance Agency, Inc.
55 Union St – Boston, MA 02108 – (617) 924-4915
- Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800
- MassDrive Insurance Group, LLC
241 A St – Boston, MA 02210 – (866) 963-8231
- Metro Boston Insurance Agency
78 Bennington St – Boston, MA 02128 – (617) 561-3191
- William J Higgins Insurance
45 L St – South Boston, MA 02127 – (617) 269-4040
Ideas to find cheaper insurance for drivers with a DUI
The list below summarizes many penny-pinching suggestions that can help Boston drivers get more affordable coverage.
- Avoid accidents and claims
- Improve your credit score
- Buy your homeowners policy from the same company as your auto insurance
- On older vehicles, drop full coverage
- Buy a vehicle with excellent safety ratings
- Compare rates once a year for cheaper prices
That last tip is notably significant, as we hit on in this write-up. Coverage prices in Boston can change considerably in a year, so you should be ready to buy a different policy if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that loyalty ends up costing thousands of dollars over several years. Take a couple minutes and compare prices and find cheaper car insurance for drivers with a DUI.