Cheapest Auto Insurance Quotes for Drivers with a DUI in Massachusetts

When writing about shopping for car insurance, the word cheap should never appear as a descriptor for auto insurance rates. Sad but true, cheap car insurance for drivers with a DUI can be extremely hard to find. But don’t despair, because we are going to show you some ways you can get car insurance that most people can afford.

Determining which company quotes the most affordable car insurance rates for drivers with a DUI requires a bit more work than just quoting one company’s rates. Each insurer used slightly different criteria for determining prices, so we need to take a look at the car insurance companies with the overall cheapest rates in Massachusetts.

It’s a good idea to know that Massachusetts car insurance rates are impacted by many things that control the price you pay for coverage. Simply having a birthday, increasing liability limits, or getting a couple of tickets can trigger rate changes that can make some companies cheaper than before.

Lowest Insurance Price Quotes after a DUI

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State Farm has some of the lowest car insurance rates in Massachusetts at around $719 a year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also be considered some of the more affordable Massachusetts car insurance companies.

As shown above, if you are a customer of National Grange Mutual and switched to State Farm, you might realize an annual premium reduction of around $104. Customers with GEICO may save as much as $131 a year, and Commerce Group policyholders might realize rate reductions of up to $165 a year.

If you would like to find the cheapest car insurance for drivers with a DUI in Massachusetts, click here to start your custom quote or feel free to get quotes from the companies below.

Be aware that those policy prices are averages for all insureds and vehicles and and are not calculated with a price increase for drivers with a DUI. So the insurer that fits you best may not even be in the company chart above. That is why you need to get auto insurance quotes using your own driver information and specific vehicle type.

When buying car insurance after getting a DUI, one of the key considerations that is looked at to determine auto insurance rates is where your car is garaged in Massachusetts. Areas that are densely populated or have higher claim frequency like Revere, Lynn, and Lawrence likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The information below shows the more expensive cities in Massachusetts for drivers with a DUI to purchase auto insurance in.

Information shown are estimated as the garaging address in Massachusetts can increase or decrease insurance rates considerably.

The diagram below illustrates how your deductible choice can increase or decrease insurance rates when researching cheap insurance for drivers with a DUI. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

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As shown above, a 50-year-old driver could save $232 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $352 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could shave up to $772 or more by using higher deductibles when buying full coverage. If you do raise deductibles, it will be required to have spare funds to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discount Massachusetts insurance

Auto insurance companies that sell the cheapest car insurance for drivers with a DUI in Massachusetts may provide policy discounts that can lower rates by 40% or more if you are eligible. Companies and a selection of discounts are shown below.

The illustration below shows the difference between insurance rates with and without policy discounts. The data assumes a male driver, three violations and no at-fault accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, vehicle safety, passive restraint, paperless filing, paid-in-full, and homeowner discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for drivers with a DUI is % or $.

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How to get the cheapest car insurance for drivers with a DUI in Massachusetts

Here are some money-saving solutions that can help Massachusetts drivers get cheaper coverage.

• Vehicles with good safety ratings have lower liability rates
• Pay lower rates with good credit
• Drop full coverage on older vehicles
• Earn discounts for being claim-free
• Higher physical damage deductibles lower rates
• Bundle home or renters insurance to earn a discount on car insurance
• Compare prices as often as possible

That last idea is very necessary, as we emphasized in this piece. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a better rate can be found. Staying with the same company for years is fine, but we do not recommend it if that devotedness results in you overpaying major coinage every year. Now is a great time to compare prices to find cheaper auto insurance for drivers with a DUI.

Who has the cheapest insurance quotes after getting a DUI?

There are quite a few ways to quote and buy car insurance in Massachusetts, but the most common ways are from an independent or non-exclusive agent, an exclusive insurance agency like State Farm or Auto-Owners, or from a direct company like Progressive.

They all have the same basic principle, but it’s important to point out the distinctions in how they provide price quotes.

Independent insurance agents write business for many companies and can get rate quotes from every one. Independent agents do not work for one specific company and can provide you with more rates, which can help you get more bang for your buck. If your agent finds a cheaper company, they simply move your policy to a different company which makes it easier to save money.

An exclusive agent is usually restricted to a single insurance company like Farmers Insurance or State Farm agents. These agents are unable to quote rates from more than one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

The third popular method of shopping for car insurance is direct, which means you skip an exlusive or independent agent and instead buy direct online or over the phone from a company like Esurance or Geico. Buying direct may be a decent choice people who do not need advice for risk management and have a decent understanding of what coverages, limits, and deductibles they need.

So which way is best for finding the cheapest car insurance for drivers with a DUI in Massachusetts? The obvious answer would be shopping direct saves the most money because you bypass the agent, but unfortunately, it’s not that simple. A valid argument could also be made that an independent agent results in the best rates because you have more choices, but that assumption is not true either. For the right applicant, exclusive agents have very competitive rates that cannot be met by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, the best method to make sure you’re not overpaying for car insurance is to do a thorough rate comparison. Experts recommend getting rate quotes from all three to give yourself plenty of rates to compare. For a list of companies with some of the cheapest Massachusetts car insurance rates, click here to view.