If you need an SR-22 to get auto insurance in Massachusetts, you're not the only one. This relatively common insurance requirement is triggered by a citation like a DUI, a ticket for driving without insurance, an at-fault accident, a citation for driving with a suspended license, or accumulating too many points on your license.
Finding inexpensive coverage with an SR-22 in Massachusetts might not be easy, but it never hurts to try. We explored how much a Massachusetts SR-22 typically costs and how to request one — let's dive into the details.
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How much should you expect to pay for an SR-22 in Massachusetts?
Car insurance with an SR-22 in Massachusetts tends to be expensive. This isn't a direct cost of the SR-22 — filing fees could be as cheap as $15 to $35 — but a product of the insurance premium increases triggered by the violation that necessitated the SR-22.
Insurers charge higher-risk drivers more expensive rates because of the more substantial risk of an incident. The rate increase you’ll face depends on the frequency and severity of your citations — listed below are average car insurance rates for drivers with SR-22s in Massachusetts.
MASSACHUSETTS INSURANCE RATES BY VIOLATION
|Rating factor||Average annual rate||Increase vs. no violations|
|At-fault crash (>$2,000)||$2,044.00||$842.74|
|Speeding (21-25 mph > limit)||$1,503.52||$302.26|
|Hit and run||$2,285.41||$1,084.15|
If you are trying to find cheap car insurance with a SR-22, we're here to help. Enter your ZIP code below to get individualized auto coverage quotes from top companies.
Requesting an SR-22 in Massachusetts
For currently insured drivers:If you currently have auto insurance, requesting an SR-22 certificate isn't too tough. Just call your auto insurance company and request it file a SR-22 request on your behalf. If your insurance company declines to file for an SR-22, you'll need to look for a new insurance company.
If you're currently uninsured:When applying for a new policy, you might be saddled with an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement might disqualify you from being insured by some carriers, while others would be happy to sell you a policy.
For drivers without a vehicle:If you don't own a vehicle, getting an SR-22 can be difficult, as you'll need proof of insurance to obtain the document. If you don't own a car, you should apply for a non-owners insurance policy before filing an SR-22 request. Non-owners auto insurance is typically cheaper than a standard policy since it won’t provide protection for physical damage to your car.
Methodology and sources
Between September and December 2017, The Zebra performed comprehensive auto insurance pricing analysis using our proprietary quote engine, including data from rating systems and public rate filings. The Zebra analyzed nearly 53 million premiums to examine trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.