Car Insurance After a DUI in Massachusetts: Cheapest Companies & Rates (2026)
A DUI in Massachusetts increases car insurance rates by an average of 73%, raising a typical full coverage policy from $2,016/year to $3,488/year. That's an increase of $1,472/year ($123/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Massachusetts
Before DUI
$168/mo
$2,016/year full coverage
After DUI (+73%)
$291/mo
$3,488/year full coverage
Cheapest Companies After DUI in Massachusetts
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $215/mo | $2,581/yr | Military families |
| Erie Insurance | $230/mo | $2,756/yr | Rate lock guarantee |
| GEICO | $238/mo | $2,860/yr | Clean driving record |
| Progressive | $256/mo | $3,069/yr | Telematics savings |
| State Farm | $265/mo | $3,174/yr | Good students |
| Travelers | $276/mo | $3,314/yr | Multiple discounts |
| Nationwide | $302/mo | $3,628/yr | Bundling home + auto |
| Farmers | $314/mo | $3,767/yr | Signal telematics |
| Allstate | $326/mo | $3,907/yr | Accident forgiveness |
| Liberty Mutual | $343/mo | $4,116/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Massachusetts, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Massachusetts
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Massachusetts
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Massachusetts
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $291/mo | +73% |
| Year 1 | $278/mo | +66% |
| Year 2 | $260/mo | +55% |
| Year 3 | $229/mo | +37% |
| Year 5 | $193/mo | +15% |
| Year 7 | $168/mo | Normal |