SR-22 Insurance in Massachusetts

SR-22 Insurance
What is SR-22 Insurance?

Laws pertaining to SR-22 in Massachusetts

Drivers in Massachusetts are only required to carry an SR-22 if they are convicted of a major violation in another state that requires SR-22. The amount of time you’ll be required to carry an SR-22 is 1-5 years in Massachusetts, depending upon the type of violation.

SR-22 Insurance rates by company (full coverage) in Massachusetts

CompanySR22 Full Coverage (average)
National General$213.00
USAAN/A
Mendota Ins. Company$186.00
Geico$213.00
Dairyland$166.00
Farmers$196.00
GAINSCO$169.00
TravelersN/A
Bristol West$190.00
AllstateN/A
SafecoN/A
AssuranceAmerica$182.00
Progressive Insurance$165.00
American FamilyN/A
The General$183.00
21st CenturyN/A
Acceptance RTR$193.00
State AutoN/A
NationwideN/A
This is the average cost for full coverage on your vehicle with an SR-22 filing in Massachusetts per each company. Of course, every insurance companies charges different prices and can offer a variety of discounts so it’s best to shop around to find the cheapest rates.

State Insurance requirements in Massachusetts

StateState MinPIP?
Massachusetts20/40/5$8,000
The minimum insurance requirements by law in Massachusetts are 20/40/5. This means if you are liable in the event of an accident, your insurance company will pay out bodily injury expenses and property damage expenses up to these limits, to the other party. The limits equate to $20,000 per person for bodily Injury, up to $40,000 per accident, and $5,000 for property damage. They also require you to carry Personal Injury Protection, $8,000 per occurrence.

Cost for SR-22 Insurance (full coverage) In Massachusetts

CityPrice
Salem$157
Belmont$151
Boston$176
Northampton$169
Stoughton$182
Falmouth$180
Beverly$178
Taunton$146
West Springfield Town$166
Lexington$159
Shrewsbury$155
Chelsea$175
Wakefield$181
Lynn$169
Billerica$164
Revere$181
Cambridge$151
Randolph Town$170
Chelmsford$154
Saugus$171
Quincy$148
Holyoke$149
Gloucester$156
Brookline$158
Fitchburg$157
Attleboro$163
Springfield$174
Malden$171
North Attleborough$171
Melrose$160
Lowell$170
Danvers$160
New Bedford$157
Milton$176
Fall River$157
Barnstable Town$150
Andover$174
Leominster$153
Framingham$174
Bridgewater Town$181
Plymouth$168
Burlington$171
Dartmouth$149
Brockton$172
Marshfield$177
Somerville$153
Needham$173
Dracut$159
Weymouth Town$154
Marlborough$152
Milford$174
Arlington$182
Waltham$175
Everett$147
Chicopee$158
Franklin Town$182
Newton$173
Westfield$172
Methuen Town$180
Medford$178
North Andover$169
Wellesley$178
Pittsfield$150
Natick$159
The average cost for full coverages ranges at about $150-$180 a month, based on city. The SR-22 attachment is usually a one time flat fee for each insurance term.

SR-22 Insurance rates by company (liability) in Massachusetts

CompanySR22 Liability (average)
Farmers$126.00
TravelersN/A
NationwideN/A
AllstateN/A
State AutoN/A
State FarmN/A
American FamilyN/A
Geico$110.00
Bristol West$110.00
Dairyland$118.00
Mendota Ins. Company$107.00
National General$120.00
Liberty Mutual$81.00
Acceptance RTR$116.00
Progressive Insurance$81.00
USAAN/A
GAINSCO$91.00
SafecoN/A
21st CenturyN/A
The General$123.00
Liability Insurance is the minimum requirements per each state. Each state requires different liability limits, you can check your states requirements above. By having the minimum liability limits, you can add an SR-22 to the insurance policy, that will let the State know you are complying by carrying the required insurance.

Need an SR-22 but no vehicle?

In Massachusetts, you can purchase a Named Operator policy or Non-Owners policy which will cover you for the minimum liability requirements per the state. You will add the SR-22 filing to that policy, which will let the state know you are carrying the required liability limits. The Non Owners policy covers you driving any personal passenger vehicle as long as you do not, or any household members own the vehicle.

Company fees for SR-22 In Massachusetts

AssuranceAmericaNA
State FarmUnknown
Safecona
American Familyna
DairylandFree
Liberty Mutual$15-$25
21st Centuryna
GAINSCONA
Farmers$15-$46
Mendota Ins. CompanyNA
Acceptance RTRNA
Nationwidena
AllstateUnknown
Geico$25.00
Bristol WestNA
USAAna
Travelersna
State Autona
Some Insurance companies do not offer SR-22 filings. This could be because they are a preferred company and do not insure high-risk drivers. A lot of companies do offer SR-22 filings, and generally charge a flat fee for each insurance term. Most cases it is $5-$25 for the term.

DUI and SR-22 in Massachusetts

Any major violations, such as Reckless driving, hit and run, and DUI will require an SR-22 for 3 years. If you have been convicted for one of these major violations more than once, the required time could increase to 5-10 years.

Who has the lowest price on SR-22 Insurance in Massachusetts (by city)

CityPrice
NeedhamProgressive
New BedfordProgressive
Methuen TownProgressive
QuincyThe General
BurlingtonNational General
LexingtonThe General
PittsfieldProgressive
Agawam TownThe General
MarshfieldGeico
Braintree TownProgressive
CambridgeThe General
TewksburyThe General
NorthamptonProgressive
LawrenceThe General
BillericaNational General
Franklin TownFarmers
NorwoodBristol West
HolyokeThe General
WalthamThe General
North AndoverLiberty Mutual
NewtonGeico
MiltonGeico
MilfordProgressive
MedfordProgressive
LowellProgressive
BrooklineProgressive
EverettProgressive
PeabodyThe General
North AttleboroughProgressive
ChicopeeProgressive
NatickGeico
West Springfield TownBristol West
RevereNational General
ChelseaDairyland*
Watertown TownDairyland*
WellesleyLiberty Mutual
DracutGeico
ChelmsfordThe General
Bridgewater TownProgressive
WakefieldProgressive
WestfieldProgressive
MelroseDairyland*
SaugusNational General
SomervilleLiberty Mutual
LeominsterThe General
GloucesterLiberty Mutual
BelmontGeico
Randolph TownGeico
Having a hard time finding an affordable insurance company? The companies listed above specialize in SR-22 filings, and they offer cheaper prices for High-Risk drivers. Check which company may best suite you based on your location.

Which companies offer SR-22 Insurance in Massachusetts

CompanySR22 Offered
Allstateunsure
American Familyno
State Farmunsure
Travelersno
Geicoyes
Safecono
National Generalyes
GAINSCOyes
The Generalyes
USAANO
Farmersyes
Dairylandyes
Bristol Westyes
Progressive InsuranceYes
State Autono
Liberty Mutualyes
Mendota Ins. Companyyes
AssuranceAmericayes
Already insured? Check the list above to see if your insurance provider offers SR-22 filings. If they do, you can give them a quick call and ask them to put an SR-22 onto your existing policy. There is no need to take out a second policy just for the SR-22.

SR-22 and child support in Massachusetts

If you owe child support in Massachusetts, you could be at risk for having your driving privilege’s suspended or revoked. If this happens, you will be required to carry an SR-22 for 1-3 years.

Other Helpful links
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SR22 Auto Insurance in New Jersey
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Last Updated on October 18, 2021 by Katie Sopko

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