The car, truck, or SUV you are trying to insure is one of the largest considerations that determines the availability of the cheapest insurance for high risk drivers. Vehicles with lots of speed or power, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The list below estimates auto insurance premiums for a selection of the cheapest vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $5,270 |
| Ford Escape XLT 2WD | $5,374 |
| Toyota Prius | $5,611 |
| Ford F-150 STX Regular Cab 2WD | $6,004 |
| Dodge Grand Caravan CV | $6,067 |
| Jeep Wrangler Sahara 4WD 2-Dr | $6,146 |
| Toyota Tacoma Double Cab 4WD | $6,173 |
| GMC Sierra SLE Regular Cab 2WD | $6,178 |
| Ford Explorer Limited 4WD | $6,230 |
| Ford Edge Limited 2WD | $6,296 |
| Chevrolet Impala LS | $6,353 |
| Toyota RAV4 Sport 2WD | $6,358 |
| Volkswagen Jetta S 4-Dr Sedan | $6,363 |
| Hyundai Elantra Blue 4-Dr Sedan | $6,394 |
| Chevrolet Malibu LS | $6,424 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $6,511 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $6,518 |
| Honda Civic LX 4-Dr Sedan | $6,634 |
| Toyota Corolla LE | $6,705 |
| Toyota Camry SE | $6,711 |
| Jeep Grand Cherokee Limited 4WD | $6,718 |
| Chevrolet Equinox LTZ AWD | $6,727 |
| Honda Odyssey Touring | $6,776 |
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Cost estimates assume single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can raise or lower coverage prices considerably.
By looking at the data, you can figure that vehicles like the Honda CR-V, Ford Escape, Toyota Prius, Ford F-150, and Dodge Grand Caravan are going to be a few of the cheaper vehicles to insure for high risk drivers. The price for an auto insurance policy will trend higher because there is more exposure for high risk drivers, but generally speaking those makes and models will probably have the cheapest auto insurance rates compared to other vehicles.
For high risk drivers, one of the largest components that are looked at to determine the amount you pay each year for auto insurance is where you live in Boston. Regions with more people or even just more weather-related claims likely pay more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The following table sorts the highest-priced places in Massachusetts for high risk drivers to buy auto insurance in. Boston shows up at #8 with an annual rate of $1,752 for the average insured, which is about $146 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Revere | $2,213 |
| 2 | Brockton | $2,122 |
| 3 | Lynn | $1,998 |
| 4 | Lawrence | $1,896 |
| 5 | Malden | $1,879 |
| 6 | Springfield | $1,870 |
| 7 | New Bedford | $1,768 |
| 8 | Boston | $1,752 |
| 9 | Worcester | $1,695 |
| 10 | Fall River | $1,649 |
| 11 | Medford | $1,638 |
| 12 | Somerville | $1,616 |
| 13 | Quincy | $1,534 |
| 14 | Lowell | $1,527 |
| 15 | Weymouth | $1,506 |
| 16 | Haverhill | $1,468 |
| 17 | Chicopee | $1,455 |
| 18 | Cambridge | $1,446 |
| 19 | Peabody | $1,420 |
| 20 | Taunton | $1,412 |
| 21 | Framingham | $1,390 |
| 22 | Brookline | $1,386 |
| 23 | Waltham | $1,382 |
| 24 | Methuen | $1,361 |
| 25 | Newton | $1,350 |
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Rates are estimated as specific Boston zip code can influence coverage prices considerably.
Picking the right car insurance company can be challenging considering how many different insurance companies sell coverage in Massachusetts. The information in the next section may help you analyze which coverage providers you want to consider purchasing a policy from. The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
How violations and accidents impact rates
The ideal way to get affordable insurance premiums for high risk drivers is to be a safe driver and avoid accidents and traffic citations. The diagram below highlights how traffic violations and accidents impact auto insurance rates for different age categories. The data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance per year with no accidents or violations is $1,453. Add in one speeding ticket and the average cost surges to $1,697, an increase of $244 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of insurance for high risk drivers jumps again to an average of $2,375. That’s an increase of $922, or $77 per month, just for not driving responsibly!
How to find more affordable car insurance for high risk drivers
Here are some of the recommended thrifty solutions that can help Boston drivers quote low-cost auto insurance.
- Avoid preventable accidents
- Higher physical damage deductibles lower rates
- Don’t waste money on full coverage for older vehicles
- Improve your credit
- Violations and traffic tickets increase rates
- Buy vehicles with five-star safety ratings
- Comparison shop at least once a year
That last idea is especially valuable, as was stressed in this article. Auto insurance prices in Boston fluctuate considerably, so drivers shouldn’t be resistant to change insurance companies if a more affordable rate is found.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that loyalty ends up costing major coinage every year. Now is a great time to compare rates and find cheaper car insurance for high risk drivers.