Winslow Arizona, Car Insurance Writer
@winslow_arizona
An SR-22 in Massachusetts is a certificate proving that a high-risk driver has the legal requirements for car insurance in Massachusetts. So-called SR-22 insurance raises annual car insurance premiums by roughly $1,330 in Massachusetts, compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Massachusetts’s licensing agency for 3 years, according to Massachusetts law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.
What You Need to Know About SR-22 Insurance in Massachusetts:
- Who Needs SR-22 Insurance in Massachusetts? Massachusetts requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.
- How Much Does SR-22 Insurance Raise Premiums in Massachusetts? An SR-22 in Massachusetts increases car insurance costs by approximately $1,330. That is roughly 94% more than the average Massachusetts resident pays for car insurance. The increase is proportionate to your traffic violation – multiple DUIs will raise rates more than your first speeding ticket.
- What is Minimum SR-22 Car Insurance Coverage in Massachusetts? Drivers need bodily injury insurance of at least 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.
- How to File SR-22 Documentation in Massachusetts: Your insurance company will file the SR-22 certificate with the state for you. For the next 3 years, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in Massachusetts
SR22 Needed After | Serious traffic violation and/or license suspension |
Required For | 3 years |
Average Cost Increase | $1,330 |
Min. Bodily Injury Liability Coverage | $20,000 per person / $40,000 per accident |
Min. Property Damage Liability Coverage | $5,000 |
People also ask
Did we answer your question?