Cheap Car Insurance for Drivers Requiring a SR22 in Massachusetts

For high risk drivers, one of the largest factors used to establish the annual cost of car insurance is where you keep your car. Areas that are densely populated or have higher claim frequency like Revere, Lynn, and Malden tend to pay slightly more, whereas more rural areas have the luxury of cheap car insurance for drivers requiring a SR22 in Massachusetts.

The information below illustrates the most costly cities in Massachusetts for drivers requiring a SR22 in which to buy car insurance.

Premium amounts are comparative as the specific geographic location can decrease or increase premiums substantially.

We all have different tastes in cars, and the vehicle you are buying coverage for is probably the most important factor that determines if you can find the lowest-priced insurance for drivers requiring a SR22. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The data below features coverage prices for a handful of the most budget-friendly vehicles to insure.

Data rating is based on single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in your specific Massachusetts location which can modify insurance rates substantially.

Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific Massachusetts garaging location which can increase or decrease prices greatly.

Table data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates substantially.

Determining which companies offer the cheapest auto insurance rates for drivers requiring a SR22 involves a little more effort in order to find the lowest price.

Each company uses a slightly different approach to establish rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Massachusetts. It’s a good idea to be aware that Massachusetts auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply having another birthday, having a teenage driver, or getting into an accident may generate price changes that may make certain companies cheaper than competitors.

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State Farm generally has some of the lowest car insurance rates in Massachusetts at around $733 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the cut as some of the cheapest Massachusetts insurance companies.

In the rate table above, if you buy coverage from Commerce Group and switched to National Grange Mutual, you could realize yearly savings of around $61. Policyholders with OneBeacon could save as much as $89 a year, and Progressive customers might see rate reductions of $176 a year.

If you want to see how much you could save, click here to get quotes or visit several of the following companies.

Be aware that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with a price surcharge for drivers requiring a SR22. So the insurer that fits you best may not even be in the chart above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

How to get discounts on Massachusetts auto insurance

Insurers that offer cheap car insurance for drivers requiring a SR22 in Massachusetts may also give you premium discounts that could reduce prices by as much as 40% or more if you meet specific criteria. Large auto insurance companies and the discounts they provide are:

The chart below shows the comparison of car insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, one at-fault accident and one violation, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, vehicle safety, multiple policy, multiple vehicle, paperless filing, and homeowner discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for drivers requiring a SR22 is % or $.

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Safe drivers pay less for auto insurance

The best way to receive cheap car insurance for drivers requiring a SR22 in Massachusetts is to drive attentively and avoid accidents and traffic violations. The chart below illustrates how traffic citations and at-fault accidents raise insurance costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

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The data charted above shows the average cost of an auto insurance policy in Massachusetts per year with no violations or accidents is $1,641. Factor in two speeding tickets and the average cost swells to $2,328, an increase of $687 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers requiring a SR22 increases to an average of $4,997. That’s an increase of $3,357, or $280 per month, just for being a little careless behind the wheel!

State Farm vs Allstate vs Geico vs Progressive

When it comes to auto insurance for high risk drivers in Massachusetts, the most popular companies are State Farm, Allstate, Geico, and Progressive. When added together, they make up about half of all auto insurance policies in force. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different coverage options that buyers can select from. The next table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages .