Who needs SR-22 insurance in Massachusetts? This question is about SR-22 Insurance Guide

Who needs SR-22 insurance in Massachusetts?

This question is about SR-22 Insurance Guide

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@WalletHub • 06/23/21 This answer was first published on 05/10/21 and it was last updated on 06/23/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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
Reckless driving
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.

How do I get my SR-22 removed in Massachusetts?

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...

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How long do you need an SR-22 in Massachusetts?

You need an SR-22 in Massachusetts for 1-5 years, depending on which state suspended your driving privileges. Drivers in Massachusetts only need an SR-22 if they are convicted of a major moving violation in another state and that state has an SR-22 requirement.

The amount of coverage that you need depends on the state, too. In any case, you will need at least the minimum amount of coverage mandated by Massachusetts law. But if...

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Do I need an SR-22?

You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...

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