Filing for SR-22 insurance in Massachusetts | finder.com
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Filing for SR-22 insurance in Massachusetts

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If you’ve racked up a lot of points on your driving record in Massachusetts, you might be required to file proof of insurance with your state. In some states, this is a certificate called an SR-22.

An SR-22 is certification of financial responsibility. It’s a form that verifies you have liability car insurance that meets the minimum requirements in Massachusetts.

Compare SR-22 car insurance providers

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Massachusetts car insurance.

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes
All 50 states
If you’re looking for one-on-one agent support, you may be able to count on State Farm.
Optional
Yes
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Optional
No
46 states
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Do I need to file for SR-22 insurance in Massachusetts?

Massachusetts doesn’t use an SR-22 certification. However, the Massachusetts DMV will let you know if you are required to file a financial responsibility form. You might need to file this form if:

  • You’re convicted of driving without insurance.
  • You’ve convicted of a DUI.
  • You rack up multiple speeding tickets.

What if I don’t have a car?

To get your license reinstated, you might be required to file an insurance certification form even if you don’t own a car. In this case, you’ll purchase a non-owner or operator insurance policy.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Massachusetts.

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Compare SR-22 car insurance from companies near you.

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How much does an SR-22 cost in Massachusetts?

The fee your provider charges for filing the certification will likely be around $20 to $50. But it’s not the filing fee that’s most expensive when you’re required to submit an insurance certification form — you’ll also typically see your insurance rates rise.

The impact of an SR-22 on your car insurance rates

SR-22s and financial responsibility forms are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, Massachusetts considers you a “high-risk” driver, as will most providers. This typically results in higher insurance rates.

Still, you’ll find providers — like the General — that specialize in high-risk drivers. Talk to your provider about how much you can expect your rates to increase.

Companies that offer SR-22 car insurance in Massachusetts

Not every insurer offers SR-22 filing support. Compare cheap rates from Massachusetts insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated November 19th, 2018
Company Median annual rate Learn more
Liberty Mutual $1,822 Read review
Allstate $1,616 Read review
State Farm $752 Read review
Geico $838 Read review
Progressive $1,399 Read review
Hanover $1,451 Read review
USAA $555 Read review
Average $1,205 Compare more reviews

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

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How do I file for SR-22 insurance in Massachusetts?

Here’s what to do if you need to provide proof of insurance:

  1. 1. Notify your insurer. If you already have insurance, let your provider know that you need to file for insurance certification with the state. Most are equipped to file this form on your behalf.
  2. 2. Find an insurer. Not all providers insure people who are required to file an insurance certification form. If your current provider doesn’t provide this service, look for one that will.
  3. 3. Pay the filing fee. Your insurer will charge a minimal processing fee to file the certification.
  4. 4. Verify minimum liability coverage. Make sure your policy includes the minimum liability insurance required in Massachusetts:
    • Bodily injury to others: $20,000 per person; $40,000 per accident.
    • Personal injury protection: $8,000 per person, per accident.
    • Bodily injury caused by an uninsured auto: $20,000 per person: $40,000 per accident.
    • Damage to someone else’s property: $5,000 per accident.
  5. 5. Submit your proof of insurance. In Massachusetts, your insurance provider will typically file the certification electronically on your behalf. Ask for confirmation before you get back behind the wheel.

How long will I need an SR-22 for?

You’re generally required to maintain a certificate for three years. But the severity of your conviction ultimately determines how long you’ll need one.

Make sure you understand your role in maintaining your insurance and your insurance certification. A lapse or nonrenewal could set you back a lot of money and time.

What happens if I let my SR-22 lapse?

A lapse in coverage could cause your license to be suspended. Your insurer is required to notify the state as soon as your insurance is canceled. Cancellation can occur because of a failure to pay premiums, consistently making late payments or failure to renew. If your license is suspended you’ll be required to renew your insurance before it’s reinstated, and you may be required to pay reinstatement fees.

What happens when I don’t need SR-22 coverage anymore?

Auto insurance is compulsory in Massachusetts, which means you will need to maintain coverage even after your SR-22 or insurance certification mandate has passed. You may freely change your provider as necessary if a form of financial responsibility is no longer required, but you’re still required to hold a minimum amount of coverage.

Bottom line

Whether your certification requirement is from another state or not, you’ll need to stay on top of your insurance premiums in order to drive legally in Massachusetts. Failure to do so can result in your license being suspended and costly fees.

A mark on your record means that insurance premiums will likely be higher for you. Shop around and compare your options to find the insurer with the best rates available and the coverage you need.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

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