Car Insurance with an SR-22 in Massachusetts

If you need an SR-22 to get auto insurance in Massachusetts, you're not alone. This relatively routine legal requirement is triggered by a violation like a DUI, a ticket for driving without insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or accumulating too many license points.

Finding cheap insurance with a SR-22 in Massachusetts might not be easy, but it might be worthwhile. We examined how much money a SR-22 could cost in Massachusetts and how to get one — let’s dive in.

How much is Massachusetts SR-22 insurance?

Insurance with an SR-22 in Massachusetts is usually expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees could be as cheap as $15 to $35 — but a product of the insurance cost increases from the driving violation that necessitated the SR-22.

Car insurance companies charge high-risk drivers pricier premiums to account for the more substantial risk of an accident. The rate hike you’ll face depends on the severity and number of violations — listed below are typical auto insurance prices with an SR-22 in Massachusetts.

High-risk rating factorAverage yearly rateIncrease vs. no citations
No citations$1,463
At-fault collision (>$2,000)$2,451$988
Speeding (21-25 mph > limit)$1,981$519
Reckless driving$2,698$1,235

If you're trying to find inexpensive car insurance after obtaining a SR-22, The Zebra is here to help. Enter your ZIP code below to receive personalized car insurance rates from respected companies.

How to get an SR-22 in Massachusetts

If you have auto insurance

If you currently have auto insurance, obtaining an SR-22 should be easy. Just call your insurance company request they file a SR-22 request for you. If your current insurance company refuses to request a certificate, you'll need to look for a new insurer.


When filing for a new policy, you may need to pay extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 may prevent you from purchasing insurance from some companies, while others would be happy to sell you a policy.

Don't own a vehicle?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, get a non-owners car insurance policy before filing for an SR-22. A non-owners policy should be less costly than standard coverage since it won’t provide protection for physical damages to your vehicle.

Methodology and data sources

The Zebra conducted auto insurance rate analysis via its proprietary insurance quote engine, including data from rating platforms and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver