Providing High-Risk Insurance in Massachusetts Since 1984

The insurance market is highly motivated by profits, and most insurers only provide coverage to consumers they believe they can cover – and still make themselves money. Usually, insurers only provide coverage for individuals they consider average or below-average risks to their bottom line. At A-Affordable Insurance, that is not the case. We believe all members of our community deserve access to affordable, high-quality insurance products.

If you are considered a high-risk individual, you might be able to buy a standard coverage policy from a traditional insurance provider, but you will likely pay double or even triple what the average consumer would pay. That is why it is important to work with an insurance provider that can provide individual solutions that best serve your personal needs. Since 1984, A-Affordable Insurance has specialized in providing budget-friendly high-risk insurance plans to high-risk consumers throughout Massachusetts. If you have been categorized as a high-risk individual, or if you have been denied coverage by another insurance provider, we are here to help.


      Call Now 📞

Request a Quote!

or Fill In Below

High-Risk Auto Insurance

Driver and passenger in vehicleWe all like to think of ourselves as above-average drivers, but one or two mistakes can send your monthly premiums skyrocketing, or worse yet, get you classified as a high-risk driver. Having a bad driving record or spotty payment history are common reasons why an insurance company might consider you a high risk to insure. However, other factors that are not in your control, such as your age or where you live, might also be impacting your monthly premium. Other insurance companies usually classify drivers into three risk categories:


These drivers have clean driving records, perfect payment histories, and represent a lower than average level of risk to the insurance company. Preferred risk consumers enjoy the lowest monthly premiums of all.


Consumers who represent an average level of risk to the insurance company and pay average rates are considered standard. These drivers might have a speeding ticket or two or may have missed a payment in the past, but overall, they are considered safe and trustworthy clients.


Nonstandard risk drivers include individuals who may have a history of DUI, not making payments on time, or multiple motor vehicle accidents. Drivers under the age of 25 also fall into this category. These drivers represent an above-average level of risk to the insurance company, so they pay the highest monthly premiums.

At A-Affordable Insurance, we offer a full selection of auto insurance plans for all drivers in our state – regardless of their risk category.

Insurance Solutions for All Your Needs

For over 35 years, we have worked to provide custom coverage options for high-risk individuals. Whether you are looking for renter’s insurance, motorcycle insurance, or business insurance, A-Affordable Insurance has a convenient and affordable solution for you. In addition to auto insurance, we are proud to offer plans in the following areas:

Experience the A-Affordable Insurance Difference

If you or a family member is considered a high risk to insurers, you know how difficult it is to find adequate coverage. At A-Affordable Insurance, we specialize in providing high-risk insurance to Massachusetts residents who are having a difficult time getting coverage elsewhere. To learn more about our numerous coverage solutions, contact us or request your free quote today.
A-Affordable Insurance logo
  • 5 star review  Jeremy was ABSOLUTELY AMAZING!! Friendly, curtious, helpful, efficient and VERY timely! Jeremy resolved my issues in an extremely efficient and timely manner!! THANK YOU Jeremy for being totally AWESOME!!

    thumb Tammi Fletcher
    January 20, 2022
  • 5 star review  Jeremie was very helpful and he gave me the information necessary to complete my transaction. His follow up was amazing and I love a-affordable. Alway staff that is friendly and go above and beyond to help.

    thumb Cassie Birkett
    January 13, 2022
  • 5 star review  Jeremie was very helpful and kind. I appreciate his help in my time of need for questions on my policy and being very concerned that I have covid. He deserves this recognition. Thank you!

    thumb cassie morvan
    December 7, 2021

Check out our Recent Blog Posts.

Woman researching insurance on computer

3 Questions to Ask When Shopping for Homeowners Insurance

Whether you’re buying your first home, moving to a different house, or need to find a new insurance policy for your home, buying insurance for your personal property is serious business. There are a lot of factors to consider. Price and coverage are the first things to come to mind, but there are many other

Read More »
Woman driving car male passenger in front seat

How to Get Car Insurance with Poor Insurance Payment History

Sometimes, getting insured so you can hit the open road is more difficult than it ought to be. If you have a poor insurance payment history or a less-than-stellar driving record, you may have fears of being rejected, or you might be hesitant to shop for a new plan. Not to worry, though, because A-Affordable

Read More »

Apartment Safety Check

It is fall in New England so the days are getting shorter and the nights a little bit longer. While this may evoke pleasant memories of pumpkin spice lattes, hot apple cider, and a crackling fireplace, it’s also a good time to double- check the security measures you have in your apartment. According to the FBI’s

Read More »
Scroll to Top

Quote Request

Oops! We could not locate your form.

We use cookies to personalize and enhance your experience on our site. Visit our Privacy Policy to learn more.

By using our site, you agree to our use of cookies, as well as our Privacy Policy and Terms of Use.