To fulfill Massachusetts SR-22 requirements, drivers must carry at least the state’s minimum liability car insurance coverage: bodily injury insurance of at least $20,000 per person and $40,000 per accident, plus $5,000 of coverage for property damage and $20,000 per person / $40,000 per accident of uninsured motorist coverage. You'll also need $8,000 of personal injury protection.
Massachusetts law requires these types of liability insurance coverage, at a minimum, for drivers to be legal on the road. But Massachusetts drivers who must file an SR-22 with the state and get high-risk auto insurance are not required to obtain more coverage than other drivers in the state. That’s true even for drivers with multiple violations. Car insurance does cost more when you are classified as high-risk, however, especially if you have numerous infractions on your driving record.
Minimum SR-22 Insurance Requirements in Massachusetts
Bodily injury liability coverage: $20,000 per person / $40,000 accident
Property damage liability coverage: $5,000
Uninsured motorist coverage: $20,000 per person / $40,000 accident
Personal injury protection: $8,000
Even though you can meet the legal requirements with minimum insurance, you might want to opt for higher coverage levels. The more insurance you buy, the more protection you have for your finances and property.
Consider supplemental policy options such as collision coverage or comprehensive coverage, too. Collision coverage pays for damage to your car from a collision with other cars, wildlife, trees, or other objects. Comprehensive coverage handles any other damage to your car, such as from theft, vandalization, or inclement weather.
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