SR-22 Insurance in Massachusetts: Cost, Requirements, and Cheapest Companies
Massachusetts drivers pay an average of $151 per month for car insurance with an out-of-state SR-22.
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Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
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Quick Facts
Massachusetts doesn’t require drivers to file an SR-22 form, but you may need to file an SR-22 form if you’ve had your license suspended in another state.
An SR-22 form can verify that you have the required amount of car insurance after a serious violation that results in a license suspension.
Massachusetts drivers with an out-of-state SR-22 requirement pay an average of $128 per month for liability-only coverage and $174 for full coverage.
SR-22 requirements in Massachusetts
Some states require drivers to maintain an SR-22 form after a serious driving violation, like an operating under the influence (OUI) conviction, that results in a license suspension. An SR-22 is a form that certifies that you have a car insurance policy that meets your state’s minimum coverage requirements for license reinstatement.
Massachusetts doesn’t require drivers to maintain an SR-22 filing. But the Massachusetts Registry of Motor Vehicles (RMV) will suspend or revoke your license if you’ve had three speeding tickets in a yearlong period or three other offenses in a two-year period.[1] To reinstate your license in Massachusetts, you’ll need to pay a fee of between $100 and $1,200 and meet other specific requirements, like completing a driving test.[2]
If you have a serious driving violation in another state that requires an SR-22, like in nearby New Hampshire or Vermont, you’ll need to file an SR-22 with that state to regain your driving privileges in Massachusetts.
SR-22 Insurance | Massachusetts Requirement |
|---|---|
| Minimum property damage liability limit | $30,000 per accident |
| Minimum bodily injury liability limit | $25,000 per person/$50,000 per accident |
| Uninsured motorist bodily injury liability | $25,000 per person/$50,000 per accident |
| Personal injury protection | $8,000 per accident |
| Out-of-state SR-22 filing fee | Typically around $25, depending on the insurer |
| License reinstatement fee | $100 |
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How much is SR-22 insurance in Massachusetts?
Massachusetts drivers who need an SR-22 pay an average of $128 per month for liability-only coverage and $174 for full-coverage insurance.
That’s quite a bit higher than the average cost of car insurance for Massachusetts drivers with clean records, averaging $102 per month for liability-only coverage and $138 per month for full-coverage policies.
Drivers with out-of-state SR-22 requirements pay higher rates because of the serious violation on their driving record that triggered the requirement. Insurers view OUIs, at-fault accidents, excessive speeding tickets, reckless driving, or driving without insurance as high-risk driving behaviors. And high-risk drivers generally pay more for car insurance.
Here’s how much Massachusetts drivers pay with a clean record or with an out-of-state SR-22 requirement.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $102 | $138 |
| With SR-22 | $128 | $174 |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Massachusetts
State Farm offers Massachusetts drivers the lowest SR-22 car insurance rates. Other relatively affordable Massachusetts insurance companies include USAA and Progressive.
The table below highlights the average costs for Massachusetts drivers with an SR-22 by insurance company.
The below rates in Massachusetts are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $62 | $88 |
| GEICO | $106 | $151 |
| USAA | $106 | $150 |
| Safeco | $128 | $204 |
| Progressive | $145 | $245 |
| Liberty Mutual | $157 | $227 |
| Bristol West | $208 | $357 |
| Travelers | $242 | $345 |
| Amica | $328 | $469 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Massachusetts?
Since the Massachusetts RMV doesn’t require an SR-22 form, you’ll rarely need one in the Bay State. But you may need an SR-22 form in another state if you committed a serious driving violation that resulted in a suspension of your license there.
For example, if you receive a license suspension in New Hampshire, the state will require you to file an SR-22 form before lifting the license suspension.[3]
Typically, the Massachusetts RMV will uphold license suspensions imposed by other states for traffic violations. The RMV won’t lift the suspension until the other state restores your driving privileges. In this case, you’ll need to file an SR-22 or FR-44 form with the other state’s Department of Motor Vehicles (DMV).
Once the other state has lifted your license suspension, you must provide proof to the Massachusetts RMV. This might be in the form of a letter of reinstatement from the other state or a certified driving record from the state where the offense occurred.
How to get SR-22 insurance in Massachusetts
Filing an SR-22 form isn’t the normal course of action for Massachusetts drivers with a license suspension. But if you’ve had your license suspended by another state, use the steps below as a guide:
Determine the state’s SR-22 requirements. Most states require an SR-22 filing to lift a license suspension. But you’ll need to confirm that’s the case for the state that suspended your license.
File the appropriate paperwork. If the state where you had a violation requires an SR-22, you’ll need to file one with the state’s DMV. Expect to pay a filing fee with your insurer.
Provide proof to the Massachusetts RMV. You may need to provide a letter of reinstatement from the other state for Massachusetts to honor your lifted license suspension.
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How long does Massachusetts require SR-22 insurance?
Massachusetts law doesn’t require drivers to file an SR-22 insurance form. If another state has required you to file an SR-22 form, you may need to maintain it for a few years. The timeline varies by state.
Massachusetts SR-22 insurance FAQs
The following information can help answer your remaining questions about SR-22 insurance in Massachusetts.
How much is SR-22 insurance in Massachusetts?
Massachusetts drivers with an SR-22 requirement pay an average of $151 per month for car insurance. By coverage level, drivers pay $128 per month for liability coverage and $174 for full coverage.
Does Massachusetts require SR-22 insurance?
Massachusetts law usually doesn’t require drivers to file an SR-22 insurance form. But if you have your Massachusetts license suspended in another state for a driving violation, you’ll have to follow that state’s reinstatement protocol, including filing an SR-22.
How do you file an SR-22 form in Massachusetts?
Generally, Massachusetts doesn’t require drivers to file an SR-22. But if another state suspends your license, you may need to file an SR-22 form or FR-44 form with the appropriate state agency to get back on the road.
Sources
- Massachusetts Registry of Motor Vehicles. "Suspensions from multiple offenses."
- Massachusetts Registry of Motor Vehicles. "Reinstate your driver's license."
- New Hampshire Division of Motor Vehicles. "Insurance Requirements / SR-22."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.