Massachusetts Auto Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance with bad credit. Auto insurers rely on credit tier as a major rating factor, setting policy prices based in part on clients' credit histories. Since auto insurance companies rely on data showing clients with bad credit are more likely to file auto insurance claims, they account for for the extra risk by charging more.

Car insurance rates with a low credit score depends on which company you choose, where you live, and a few other rating factors. See below average car insurance prices for drivers with bad credit in major Massachusetts cities and rates from popular insurance companies, plus tips on saving on auto insurance if you have bad credit in Massachusetts.


Car insurance with bad credit in Massachusetts:

  1. Average premiums
  2. Rates by city
  3. Costs by company

Car insurance rates with bad credit in Massachusetts

Drivers in Massachusetts pay an average penalty of $68 each year for having a "worst"-tier credit score. Drivers in either the “poor” or “below fair to poor” credit tier will also face a penalty.


MASSACHUSETTS CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Massachusetts
Worst$1,269
Poor$1,269
Below Fair to Poor$1,269
Average — All Credit Tiers$1,201

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Auto insurance rates with bad credit in Massachusetts cities

Your car insurance rates will also vary based on the precise area in which you live. Insurers use your address to estimate whether you're likely to file a claim: the denser your area,, the more expensive rates you’ll pay.

Listed below are major Massachusetts cities and their typical car insurance rates for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN MASSACHUSETTS CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Boston$1,576$1,576$1,576
Worcester$1,684$1,684$1,684
Springfield$1,817$1,817$1,817
Lowell$1,513$1,513$1,513
Cambridge$1,396$1,396$1,396

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Cheap car insurance companies for bad credit in Massachusetts

Another contributing factor to how much you pay for auto insurance is the auto insurance company you choose. Each car insurance company prices its policies differently, giving rating factors varying weights in their calculations. Credit history can be a significant price differentiator between otherwise-similar car insurance companies. In Massachusetts, the most affordable insurance company for drivers with bad credit is Plymouth Rock Insurance, which offers average savings of $21 per year over the second-cheapest company, GEICO.

See below prices from leading auto insurance companies in Massachusetts for drivers with bad credit.


MASSACHUSETTS CAR INSURANCE RATES WITH BAD CREDIT — BY COMPANY

CompanyAverage Annual Rate — Worst Credit Tier
Plymouth Rock Insurance$882
GEICO$903
Commerce$1,059
Safety$1,063
Arbella$1,142

If you're having a hard time buying auto insurance with a low credit score, consider these tips:

  1. See auto insurance quotes
  2. Know when — and when not — to file your claims
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.

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