Who Has Cheap Auto Insurance for High Risk Drivers in Boston?

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.

Cheapest Vehicles to Insure in Boston, MA
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.

How much does auto insurance cost in Boston?
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.

Best Insurance Companies for High Risk Drivers in Boston
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.

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.