Though low rates aren’t the only factor in determining a good car insurance company or policy, affordability is definitely a major part of the appeal. Our annual study of car insurance rates show that State Farm has the lowest rates across the country, on average, for most types of high-risk drivers. Good drivers can benefit from State Farm, too. Its sample rate for people with a clean driving record is well below the national average, and among the least expensive companies we’ve examined.
In addition to low rates, State Farm will file an SR-22 certificate of financial responsibility on your behalf, if needed (the fee varies, depending on the state you live in). Additionally, State Farm offers a fairly wide variety of discounts that can help a high-risk driver lower their car insurance premium, including savings for taking a defensive driving class and remaining accident-free for three consecutive years.
Unlike some insurers, you must work with a local State Farm agent in order to complete the quote process and purchase coverage. Also, although State Farm does have agents in Massachusetts, the company is not writing new auto policies in that state.