Best Car Insurance After a DUI in Massachusetts (Top 10 Companies for 2024)
The best car insurance after a DUI in Massachusetts comes from Geico, Progressive, and State Farm, offering rates as low as $39/month. These top companies provide affordable coverage options, robust customer support, and flexible policies. Each is tailored to meet the needs of drivers with a DUI in Massachusetts.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
13,128 reviewsCompany Facts
Full Coverage After a DUI in Massachusetts
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,759 reviewsCompany Facts
Full Coverage After a DUI in Massachusetts
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
The leading choice and the best car insurance after a DUI in Massachusetts is Geico, known for its affordable rates and comprehensive coverage options.
If you have recently been convicted of a DUI in Massachusetts, you may be wondering how it will impact your car insurance rates. Read more and compare online car insurance quotes to save money.
Our Top 10 Company Picks: Best Car Insurance After a DUI in Massachusetts
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Competitive Rates Geico
#2 20% A+ Usage-Based Discounts Progressive
#3 25% B Personalized Service State Farm
#4 30% A+ Safe Driving Bonuses Allstate
#5 15% A Discount Programs Liberty Mutual
#6 10% A+ Coverage Options Nationwide
#7 12% A Personalized Coverage Farmers
#8 18% A++ Flexible Options Travelers
#9 20% A+ Customer Service Amica
#10 22% A+ Specialized Programs The Hartford
In this article, we will discuss the various aspects of DUI and its impact on car insurance in Massachusetts. We will also provide some tips on how to find the best car insurance company and strategies to lower your insurance rates after a DUI. Enter your ZIP code now.
- Best car insurance for DUI drivers in Massachusetts offers customized coverage
- Comparing quotes is crucial for finding affordable premiums
- Geico is the top choice, with rates starting at $39 per month
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#1 – Geico: Top Overall Pick
Pros
- DriveEasy Savings: Geico’s DriveEasy program helps DUI drivers in Massachusetts save on premiums by improving driving habits, making it one of the best options.
- Financial Strength: A++ rating ensures that Massachusetts DUI drivers can rely on the best car insurance support during claims. Learn more by reviewing our Geico insurance review & ratings.
- Top-Rated App: Geico’s user-friendly app makes managing insurance easy for Massachusetts DUI drivers, solidifying it as a top choice for post-DUI coverage.
Cons
- Privacy Concerns: Massachusetts DUI drivers might find Geico’s DriveEasy program too invasive despite offering some of the best car insurance discounts.
- Higher Rates: Even with discounts, Geico may not offer the cheapest rates for DUI drivers in Massachusetts compared to other best car insurance options.
#2 – Progressive: Best for Usage-Based Discounts
Pros
- Flexible Payments: Progressive offers DUI drivers in Massachusetts customizable payment options, providing the best financial flexibility after a DUI.
- Online Comparison Tool: Tool allows drivers in Massachusetts to easily compare rates, securing one of the best deals available. Discover details in our Progressive insurance review & ratings.
- Bundling Savings: Massachusetts drivers with a DUI can enjoy significant savings by bundling Progressive’s policies, securing it as one of the best post-DUI options.
Cons
- Snapshot Penalties: DUI drivers in Massachusetts could see higher premiums if they don’t perform well in Progressive’s Snapshot program, despite it being one of the best-rated tools.
- Renewal Increases: Rates may spike upon policy renewal for DUI drivers in Massachusetts, which could make Progressive less favorable for the best long-term car insurance.
#3 – State Farm: Best for Personalized Service
Pros
- Personalized Support: State Farm’s local agents help DUI drivers in Massachusetts find the best car insurance for their specific post-DUI needs.
- Efficient Claims: Massachusetts DUI drivers can benefit from fast claims processing, making it one of the best for post-DUI. Dive into our State Farm insurance review & ratings for insights.
- Discount Opportunities: State Farm offers Massachusetts DUI drivers the best potential for savings through safe driving and vehicle safety features.
Cons
- Higher Premiums: State Farm’s base rates for DUI drivers in Massachusetts are often higher than some competitors, which may limit its appeal as the best option.
- Fewer Tech Tools: Compared to other insurers, Massachusetts DUI drivers may miss out on advanced digital features, making State Farm less tech-friendly for the best experience.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#4 – Allstate: Best for Safe Driving Bonuses
Pros
- Mobile App: DUI drivers can easily manage their insurance through app, securing it as one of the best for tech-savvy drivers. Get more information from our Allstate Insurance review and ratings.
- Multiple Discounts: Massachusetts DUI drivers can still access various discounts with Allstate, making it one of the best car insurance providers for post-DUI savings.
- Accident Forgiveness: Allstate’s accident forgiveness helps DUI drivers in Massachusetts avoid rate hikes, positioning it as one of the best for maintaining stable rates.
Cons
- Higher DUI Premiums: Allstate’s rates for Massachusetts DUI drivers can be higher than competitors, limiting its appeal as the best post-DUI insurance.
- Forgiveness Limits: Allstate’s accident forgiveness may not apply immediately to DUI drivers in Massachusetts, reducing its effectiveness as the best option.
#5 – Liberty Mutual: Best for Discount Programs
Pros
- RightTrack Program: It allows DUI drivers to lower their rates with safe driving, offering some of the best incentives post-DUI. For details, explore our Liberty Mutual insurance review & ratings.
- Great Customer Service: Massachusetts DUI drivers benefit from Liberty Mutual’s highly rated customer service, making it one of the best choices for support.
- Custom Coverage Options: Liberty Mutual offers DUI drivers in Massachusetts the best range of customizable coverage options to suit their specific post-DUI needs.
Cons
- High Starting Rates: DUI drivers in Massachusetts may face higher initial premiums with Liberty Mutual, making it less competitive as the best post-DUI option.
- Telematics Penalties: The RightTrack program could result in penalties for Massachusetts DUI drivers, reducing its value as the best insurance after a DUI.
#6 – Nationwide: Best for Coverage Options
Pros
- Custom Coverage: DUI drivers in Massachusetts can customize their coverage with Nationwide, making it one of the best car insurance options after a DUI.
- SmartRide Savings: DUI drivers can save with SmartRide, as one of the best telematics-based discounts for post-DUI. Uncover more insights in our “Does Nationwide offer liability coverage?”
- Mobile App Convenience: DUI drivers in Massachusetts can manage their policies easily through Nationwide’s app, making it one of the best for convenience.
Cons
- High Initial Premiums: Nationwide may charge higher premiums for Massachusetts DUI drivers initially, limiting its appeal as the best post-DUI car insurance.
- Telematics Drawbacks: SmartRide could penalize DUI drivers in Massachusetts for minor infractions, reducing its effectiveness as the best option for discounts.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#7 – Farmers: Best for Personalized Coverage
Pros
- Signal Program: Signal app offers DUI drivers one of the best opportunities for savings through safe driving post-DUI. Gain further insights from our Farmers insurance review & ratings.
- Accident Forgiveness: Massachusetts DUI drivers benefit from Farmers’ accident forgiveness program, securing it as one of the best choices for rate stability post-DUI.
- Strong Agent Network: DUI drivers in Massachusetts have access to Farmers’ extensive network of agents, making it one of the best for personalized service post-DUI.
Cons
- Higher Rates: Farmers may charge higher premiums for DUI drivers in Massachusetts compared to other best car insurance providers after a DUI.
- Limited Tech Features: Massachusetts DUI drivers may miss out on advanced digital features with Farmers, reducing its appeal as the best tech-friendly option post-DUI.
#8 – Travelers: Best for Flexible Options
Pros
- IntelliDrive Program: DUI drivers in Massachusetts can benefit from IntelliDrive’s safe driving discounts, making Travelers one of the best car insurance options post-DUI.
- Policy Flexibility: Travelers offers flexible coverage options, ensuring DUI drivers in Massachusetts find the best fit after a DUI. For extra insights, read our Travelers homeowners insurance review.
- Large Discount Opportunities: Travelers offers Massachusetts DUI drivers numerous discounts, making it one of the best options for savings after a DUI.
Cons
- Steep Renewal Increases: Travelers may raise premiums significantly for Massachusetts DUI drivers upon renewal, limiting its appeal as the best long-term option post-DUI.
- Telematics Penalties: Massachusetts DUI drivers using IntelliDrive may face penalties for unsafe driving behaviors, reducing its effectiveness as the best option for some.
#9 – Amica: Best for Customer Service
Pros
- Award-Winning Customer Service: Amica offers some of the best customer service for Massachusetts DUI drivers, ensuring smooth claims processing post-DUI.
- Dividend Policies: Amica’s dividend policies can help DUI drivers in Massachusetts receive partial refunds on their premiums, making it a top choice for savings after a DUI.
- Flexible Payment Plans: Massachusetts DUI drivers benefit from Amica’s flexible payment plans, making it one of the best for managing costs post-DUI. Read our Amica insurance review.
Cons
- Higher Premiums After DUI: Massachusetts DUI drivers may face higher premiums with Amica, limiting its appeal as the best option for cost-conscious individuals post-DUI.
- Limited Discounts: Amica offers fewer discount opportunities for Massachusetts DUI drivers compared to other providers, making it less competitive for savings post-DUI.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#10 – The Hartford: Best for Specialized Programs
Pros
- AARP Discounts: The Hartford offers some of the best car insurance discounts for Massachusetts DUI drivers who are AARP members, securing great savings post-DUI.
- Accident Forgiveness: The Hartford’s accident forgiveness protects Massachusetts DUI drivers from steep rate increases, positioning it as one of the best for post-DUI coverage.
- Discount Opportunities: The Hartford offers DUI drivers in Massachusetts a range of discounts, helping them find the best car insurance savings post-DUI.
Cons
- Eligibility Limits: Non-AARP members may miss out rates and benefits, making it less accessible for Massachusetts DUI drivers. Learn how to renew car insurance policy with The Hartford.
- Higher Premiums for Young Drivers: The Hartford may charge higher premiums for younger DUI drivers in Massachusetts, limiting its appeal as the best choice for this group post-DUI.
Understanding DUI and how It Affects your Car Insurance
A DUI, or Driving Under the Influence, is a criminal offense that occurs when an individual operates a motor vehicle while impaired by alcohol or drugs. In Massachusetts, a driver is considered legally intoxicated with a blood alcohol concentration (BAC) of 0.08% or higher.
DUIs can have serious consequences, including fines, license suspension, probation, mandatory substance abuse courses, and even jail time. It is essential to understand the laws surrounding DUIs in Massachusetts and their impact on your car insurance rates and coverage.
Massachusetts DUI Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
Allstate $94 $242
Amica $59 $149
Farmers $65 $167
Geico $76 $195
Liberty Mutual $109 $280
Nationwide $83 $212
Progressive $49 $127
State Farm $39 $101
The Hartford $85 $220
Travelers $72 $184
A DUI is a criminal offense that occurs when an individual operates a motor vehicle while under the influence of alcohol or drugs. In Massachusetts, a blood alcohol concentration (BAC) of 0.08% or higher is considered legally intoxicated.
A DUI conviction can significantly affect your rates and coverage options for car insurance. Insurance companies view DUI convictions as high-risk behavior, as they indicate a disregard for traffic laws and an increased likelihood of future accidents.
When you are convicted of a DUI, your car insurance rates are likely to increase significantly. Insurance companies view DUI convictions as an indication of high-risk behavior, which can result in more accidents and claims.
Car Insurance Discounts From the Top Providers After a DUI in Massachusetts| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Pay-in-Full, Early Signing, Defensive Driving, New Car, Anti-Theft |
| Multi-Policy, Safe Driver, Pay-in-Full, Loyalty, Defensive Driving, Anti-Theft, Good Student |
| Multi-Policy, Safe Driver, Pay-in-Full, Home Ownership, Defensive Driving, Anti-Theft, Good Student |
| Multi-Policy, Safe Driver, Good Student, Pay-in-Full, Defensive Driving, Anti-Theft, Military |
| Multi-Policy, Safe Driver, Home Ownership, Pay-in-Full, Defensive Driving, New Car, Anti-Theft |
| Multi-Policy, Safe Driver, Pay-in-Full, Defensive Driving, Anti-Theft, Good Student, New Car |
| Multi-Policy, Safe Driver, Pay-in-Full, Snapshot Program, Defensive Driving, Anti-Theft, Good Student |
| Multi-Policy, Safe Driver, Good Student, Pay-in-Full, Defensive Driving, Anti-Theft, New Car |
| Multi-Policy, Safe Driver, Home Ownership, Pay-in-Full, Defensive Driving, Anti-Theft, New Car |
| Multi-Policy, Safe Driver, Home Ownership, Pay-in-Full, Defensive Driving, Anti-Theft, New Car |
In addition to higher rates, drivers with a DUI may also face limited coverage options. Some insurance companies may refuse to renew your policy or cancel your coverage altogether. Finding affordable car insurance with a DUI on your record can make it challenging.
It is also worth noting that a DUI conviction can stay on your driving record for several years, which means the increased rates and limited coverage options may persist for an extended period.
5 Most Common Auto Insurance Claims in Massachusetts| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-end collisions | 29% | $3,000 |
| Parking lot collisions | 20% | $2,500 |
| Animal collisions | 15% | $2,000 |
| Weather-related damage | 12% | $1,800 |
| Theft and vandalism | 10% | $2,200 |
Furthermore, a DUI conviction can have far-reaching consequences beyond car insurance rates. Factors like DUI probation and deferred sentencing can impact your employment opportunities and personal relationships, highlighting the need to understand the broader implications of a DUI.
Additionally, a DUI conviction can lead to increased scrutiny from law enforcement. Once you have a DUI on your record, you may be subject to more frequent traffic stops and sobriety checks.
Moreover, a DUI can also have a significant emotional toll. It can lead to feelings of guilt, shame, and regret. It can strain relationships with family and friends, as they may struggle to understand and forgive your actions.
Massachusetts Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Boston | 30,000 | 20,000 |
| Cambridge | 5,000 | 3,000 |
| Lowell | 4,500 | 2,500 |
| Springfield | 8,000 | 5,000 |
| Worcester | 12,000 | 8,000 |
Overall, it is clear that a DUI conviction has wide-ranging consequences that extend beyond car insurance rates. Understanding the severity of these consequences can serve as a powerful deterrent, reinforcing the importance of responsible and sober driving. Enter your ZIP code now to begin.
Overview of Massachusetts DUI Laws and Penalties
In Massachusetts, it is illegal to operate a motor vehicle with a blood alcohol concentration (BAC) of 0.08% or higher. The state has strict laws to deter impaired driving and ensure public safety.
If caught driving under the influence, you can face severe penalties, including fines, license suspension, and potential imprisonment. Driving under the influence not only puts your own life at risk but also endangers the lives of others on the road.
Ty Stewart
Licensed Insurance Agent
Additionally, Massachusetts has an implied consent law, which means that by operating a motor vehicle, you are implicitly consenting to chemical testing if suspected of DUI. Refusing to take a breathalyzer test or other chemical tests can result in an automatic license suspension.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Vehicle Discount | A | 25% | American Family, Nationwide |
| Good Driver Discount | A | 20% | Allstate, Geico, USAA |
| Multi-Policy Discount | B | 15% | Progressive, Liberty Mutual |
| Low Mileage Discount | B | 10% | Farmers, State Farm |
| Bundled Insurance Discount | C | 5% | Travelers, Geico |
It is important to note that even if your BAC is below the legal limit, you can still be charged with DUI if your ability to drive safely is impaired by alcohol or drugs. The state considers any level of impairment to be a severe offense and subject to penalties.
The penalties for a DUI conviction in Massachusetts vary depending on factors such as your BAC level, prior convictions, and age. The state has stricter penalties for drivers under 21 years of age and drivers with multiple DUI convictions.
For a first-offense DUI in Massachusetts, you can expect fines ranging from $500 to $5,000, license suspension for up to one year, mandatory alcohol education programs, and potential imprisonment for up to 2.5 years.
Furthermore, a DUI conviction can have long-lasting consequences beyond the immediate penalties. It can negatively impact your personal and professional life, affecting employment opportunities, insurance rates, and even your reputation within your community.
Remember, the best way to avoid a DUI conviction is to make responsible choices. Plan for a designated driver, utilize rideshare services or stay overnight if you have consumed alcohol.
Generally, drivers with a DUI can expect to pay significantly higher premiums compared to drivers with clean records. However, rates can vary among insurance companies, so obtaining quotes from multiple providers is essential to find the best rates.
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Massachusetts offers various coverage options for drivers. |
| Discounts Available | B | Multiple discounts available for safe driving and bundling. |
| Cost of Insurance | B | Average annual premium is competitive compared to national rates. |
| Customer Satisfaction | C | Mixed feedback regarding claims processing among providers. |
Insurance companies also consider your driving history, including any previous accidents or traffic violations. A DUI conviction is a significant red flag for insurers, indicating a higher risk of future accidents. This risk is reflected in the higher premiums charged to drivers with a DUI on their record. Enter your ZIP code now to begin.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the minimum car insurance coverage required for drivers with a DUI in Massachusetts?
Drivers with a DUI in Massachusetts are required to carry at least the state’s minimum liability coverage, which includes $20,000 per person and $40,000 per accident for bodily injury liability, and $5,000 for property damage liability.
Will my car insurance rates increase after a DUI conviction in Massachusetts?
Yes, it is highly likely that your car insurance rates will increase significantly after a DUI conviction in Massachusetts. Insurance companies consider DUI convictions as high-risk behavior, leading to higher premiums. Enter your ZIP code now.
How long will a DUI conviction affect my car insurance rates in Massachusetts?
A DUI conviction can raise your car insurance rates in Massachusetts for up to six years. Additionally, how social media can cause denied auto insurance claims is important, as posts about risky behavior may lead insurers to deny claims or raise premiums.
Are there any car insurance companies in Massachusetts that specialize in providing coverage for drivers with a DUI?
Yes, there are car insurance companies in Massachusetts that specialize in providing coverage for drivers with a DUI. These companies understand the unique needs of high-risk drivers and may offer competitive rates and tailored coverage options.
Can I get my car insurance coverage reinstated after it was canceled due to a DUI in Massachusetts?
Getting car insurance coverage reinstated after it has been canceled due to a DUI in Massachusetts can be challenging. You may need to seek out insurance companies that specifically cater to high-risk drivers and be prepared for higher premiums. Enter your ZIP code now.
Are there any discounts available for drivers with a DUI in Massachusetts to lower their car insurance rates?
While discounts for drivers with a DUI may be limited, you can lower car insurance rates by maintaining a clean driving record, taking a defensive driving course, or bundling policies. Knowing the actual cash value of my car also helps when choosing coverage options.
What is the best car insurance company for drivers with a DUI in Massachusetts?
The best car insurance company for drivers with a DUI in Massachusetts may vary, but some companies specialize in offering coverage to high-risk drivers. Comparing quotes from multiple providers can help find the best option.
How does a DUI conviction affect car insurance rates in Massachusetts?
A DUI conviction in Massachusetts significantly increases car insurance rates, often doubling or tripling premiums. This higher cost reflects the perceived higher risk associated with DUI offenses. Enter your ZIP code now.
What is the minimum liability coverage required for drivers with a DUI in Massachusetts?
In Massachusetts, drivers with a DUI must meet state minimum liability requirements, but high-risk drivers may also consider one-day auto insurance coverage as a temporary solution. Insurers may require additional coverage based on the driver’s risk profile.
Are there any insurance discounts available for drivers with a DUI in Massachusetts?
Insurance discounts for drivers with a DUI are limited, but completing a defensive driving course or installing safety features may help reduce premiums. Shopping around for specialized DUI insurance providers can also uncover potential discounts.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.