Drivers need SR-22 insurance in Massachusetts after being convicted of a serious traffic violation in another state with an SR-22 requirement. The exact offenses that warrant an SR-22 vary between states, but common violations include DUI, reckless driving, driving without insurance, and causing an accident while uninsured.
If another state suspends a Massachusetts driver’s operating privileges, Massachusetts will also suspend their license until they reinstate their ability to drive in the other state. In most states, you must file an SR-22 with the DMV to reinstate your license. In that case, your insurance company will file the form with the DMV in the state where you were convicted.
In order to fulfill the other state’s SR-22 requirements, you will need to have a car insurance policy that has at least the minimum amount of coverage required by both Massachusetts and the state you were convicted in. You must maintain your coverage for 1-5 years, depending on the state.
An SR-22 in Massachusetts raises car insurance premiums by an average of 4%. 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.
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 $585 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. … read full answer
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.
What is Minimum SR-22 Car Insurance Coverage in Massachusetts: Drivers need at least $20,000 in bodily injury liability insurance per person ($40,000 per accident) plus $5,000 in property damage liability insurance. Drivers also need at least $20,000 per person ($40,000 per accident) in uninsured motorist coverage and $8,000 in personal injury protection coverage.
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 the state that suspended your driving privileges requires more coverage than Massachusetts, you will have to meet that state’s minimum requirements.… read full answer
When you get SR-22 insurance coverage in Massachusetts, your insurance company files your SR-22 certification with the other state’s DMV. Failing to file an SR-22 will result in you being unable to restore your driving privileges in Massachusetts, since Massachusetts will suspend your license until you can legally drive in the state where you were convicted. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. If there is any lapse in coverage during that time, the clock resets.
If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.
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