You can get your SR-22 removed in Massachusetts by contacting your insurance company once you’re no longer required to have the SR-22 on file with the DMV in the state where your driving privileges were originally suspended. Depending on which state the filing is with, you can remove your SR-22 after 1-5 years.
Massachusetts drivers only need an SR-22 if they were convicted of a major moving violation in another state with an SR-22 requirement. If you have an SR-22 on file with the other state’s DMV, you cannot remove it until you’ve had the SR-22 for the mandated period of time. If you’re not sure whether you’ve satisfied your SR-22 certification requirement, you can find out when you’ll be able to remove the high-risk SR-22 label from your driving record by contacting the state DMV. Drivers who cancel their SR-22 coverage too early risk having their license suspended or facing fines.
Once you cancel your SR-22, your insurance premiums will likely go down because you are no longer considered as high-risk. As a result, you should get quotes from different insurance companies to make sure that you’re still getting the best deal. Additionally, if you do not own a car but were previously required to file a non-owner SR-22, you are free to cancel your insurance altogether.
Drivers need SR-22 insurance in Massachusetts after being convicted of a serious traffic violation, such as reckless driving or DUI. These drivers are considered “high risk” and are required to file an SR-22 certificate with the state to prove they have at least the minimum amount of car insurance required by Massachusetts law. Drivers in Massachusetts must maintain their SR-22 filing for 3 years.… read full answer
Your first speeding ticket won’t necessarily guarantee that you need an SR-22. Massachusetts only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in Massachusetts Need SR-22 Insurance After:
DUI or DWI conviction
Refusing a breathalyzer
Repeated traffic violations
At-fault accident causing injuries or death
Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
An SR-22 in Massachusetts raises car insurance premiums by an average of 5%. In addition to an increased premium, it costs between $15 and $25 for drivers in Massachusetts to file an SR-22 form, depending on the insurance company. An SR-22 is a state-issued form verifying that a driver is carrying the minimum amount of car insurance coverage required by the state after they are convicted of a serious violation like DUI or reckless driving.… read full answer
In Massachusetts, drivers only need an SR-22 if they are convicted of a major violation in another state. Even though the SR-22 will technically be on file with the other state’s DMV, the driver’s premium still goes up in Massachusetts because they’re designated as high-risk. Drivers in Massachusetts who need to file an SR-22 will also lose any discount related to good driving that they may have previously qualified for.
The effect of an SR-22 on the cost of insurance is only temporary, though. In Massachusetts, drivers only need to have their SR-22 on file for 1-5 years, depending on which state they were convicted in. After that, the driver’s premium will start to go back down, assuming they drive responsibly.
Post-DUI insurance rates are 6% to 347% higher than premiums for drivers with clean records, depending on the state and insurance company. For example, Progressive only raises rates by an average of 6% after one DUI, while customers with Nationwide will see their premiums increase by about 125%. Similarly, a DUI affects insurance rates differently between states. Drivers in Maryland see the smallest increase in rates after a DUI, at only 28% on average. Rates in North Carolina, on the other hand, jump by an average of 347% – the most in the country.… read full answer
Insurance rates rise after a DUI because it indicates that a driver is riskier to cover and more likely to file an expensive claim. However, the good news is that most drivers will see their rates return to normal after 3-5 years, which is how far back insurance companies usually look at driving records. So even if a DUI remains on your driving record for longer, it will only affect your insurance rates for a few years if you practice safe driving habits. The only exception is that you might still be unable to qualify for good-driver discounts beyond the lookback period, depending on your state and insurance company.
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