SR-22 Massachusetts

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Have you recently received a letter or been issued a court order to get an SR-22? If so, you may have been searching online for terms like, “SR22 Insurance Massachusetts,” “Cheap sr22 insurance Massachusetts” or “Massachusetts sr22 insurance.” If you have, you may have found it hard to find exactly what you need.

If you haven’t read anything that makes sense, or have seen a lot of contradictory information, there’s a reason for that: Massachusetts does not require SR-22s. To make it even more confusing, an SR-22 isn’t even a type of insurance. All it does is prove you have insurance to a DMV. The exact form required varies state by state, as does the cost impact.

What is SR-22 insurance?

An SR-22 is not insurance. Instead, it is proof of insurance forwarded to a DMV to prove financial responsibility.

SR-22s require minimum liability. However, because Massachusetts does not require SR-22s, your insurance must then either meet or exceed the state that issued you the SR-22. Despite what you may think, an SR-22 issued from another state can still affect your driving privileges in Massachusetts.

To satisfy an SR-22 requirement, you need to ask your insurance provider to send an SR-22 to the appropriate state’s DMV. If you don’t have insurance, you will need to find a provider willing to insure a driver with an SR-22 requirement. Many local providers aren’t able or willing to do this, but you should have no issue with a national company.

SR-22 Massachusetts alternatives

Massachusetts doesn’t have any SR-22 alternatives because a Massachusetts SR22 doesn’t exist in the first place. However, you can still be issued an SR-22 from another state and have it affect you in Massachusetts.

Below are examples of other forms that are similar to an SR-22:

Form States issued Required insurance minimums
SR-22 All states except: Delaware, Kentucky, Massachusetts, Minnesota, New Mexico, Oklahoma Minimum liability
SR-19 California, Texas Minimum liability
SR-21 Florida, Georgia, Indiana Minimum liability
SR-22A Georgia, Texas, Missouri Minimum liability, but 6 months of insurance must be prepaid.
FR-44 Florida, Virginia Double minimum liability
SR-50 Indiana Minimum liability
  • SR-19: Both Texas and California issue SR-19s, but they serve different purposes. In California, it’s so you can receive a payout if the at-fault driver is uninsured, and in Texas, it’s a legally binding payment agreement from an uninsured at-fault driver.
  • SR-21: This verifies that you had insurance before an accident where there was bodily injury, death or property damage totaling more than $1,000.
  • SR-22A: Similar to a standard SR-22, SR-22As verify both present and future financial responsibility. Drivers must prepay 6 months worth of insurance.
  • FR-44: This provides proof of financial responsibility, but drivers are often ordered by a court to purchase double liability. Example: A 25/50/25 policy would need to become a 50/100/50 policy.
  • SR-50: This is mandated in Indiana to prove a driver has insurance after certain driving infractions.

Non-owner SR-22

A non-owner insurance policy is a good way to satisfy SR-22 requirements if you don’t presently own a car but frequently rent or borrow someone else’s. Many companies offer non-owner car insurance policies, but while rate shopping you will still need to make sure that they also work with SR-22 drivers. Here again, a national company is probably your best bet.

A non-owner policy is a great option if you recently totaled your car or been convicted of a serious moving violation while driving someone else’s car. It will help you keep your license and save money on car insurance at the same time.

SR-22 Massachusetts insurance costs

Massachusetts does not require high risk drivers to file SR-22s. However, if you have an SR-22 order from another state, you will need to comply if you wish to keep your driver’s license and vehicle registration.

Most insurance companies charge a one-time filing fee between $15 and $35 to send an SR-22 to the appropriate DMV, but the true cost of one boils down to your driving record. Whatever reason you were ordered to get an SR22 will likely raise your insurance premium. Whether it’s a DWI, too many at-fault accidents, or a DUI, you’re likely going to pay more. However, if your driving record is relatively clean, Progressive says that most drivers with SR-22 requirements only see a 5% increase in their premiums.

FAQ

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

Because Massachusetts does not require SR-22s, to answer this question you will need to refer to the state that ordered it. The average is three years, but some states like Tennessee may require an SR-22 certificate for up to five years.

How do I get SR-22 insurance in Massachusetts?

If you already have insurance, you simply need to ask your provider to send an SR-22 to the appropriate state’s DMV. If you don’t have insurance, you will need to find a provider in Massachusetts willing to insure drivers in need of an SR-22. You may have issues with a local provider doing this, but should have no problem with a national chain.

How much does SR-22 insurance cost in Massachusetts?

The true costs associated with an SR-22 come down to a one time filing fee (usually between $15-$35) and any driving infractions on your record. This is because it’s not the SR-22 that raises your premium, but rather your driving history. A DUI, for example, will significantly raise the cost of your premium.

What happens if my insurance provider cancels my policy?

If you are unable to find another insurance provider, you will lose both your license and vehicle registration.

Why doesn’t Massachusetts have SR-22s?

Massachusetts doesn’t require SR-22s because purchasing insurance is compulsory if you want to drive. Therefore, it already knows that all of its drivers are properly insured.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.