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.


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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.
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  • 5 star review  Today my wife Carrie experienced her first time working with A-Affordable Insurance Agency in Leominster MA. Jeremie Abreu went ABOVE & BEYOND your typical customer service. It's nice to see that people really still do care about other humans and treat them kindly and with respect.

    thumb Mike Akin
    September 9, 2021
  • 5 star review  Jeremie was amazing! Helpful, informative, patient and easy on the eyes!

    thumb Lindsey B
    September 1, 2021
  • 5 star review  Michelle informed me my previous policy was ending and gave me the deadline we had to set up a new policy so my insurance would not lapse. She helped in finding me a cheaper policy which still served all my needs. A quick phone call to her and I was able to sign all my documents electronically and get the new policy in place. Super easy, straight forward and really nice to work with!

    thumb Samantha Cox
    August 25, 2021

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