Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What is Massachusetts SR-22 Insurance?

An SR-22 car insurance form, or a financial responsibility insurance certificate, is a document a motorist carries in his vehicle as proof that he is financially responsible for carrying the minimum required amount of insurance on your vehicle.

You can find cheap SR-22 insurance in Massachusetts by using our FREE tool to get quotes from multiple companies in your area.

How long do you keep SR-22 insurance?

Usually, SR-22 insurance should be renewed once per year because each infraction will remain on your record a certain number of years based on Massachusetts law. You will still need SR-22 insurance until a Massachusetts DUI is removed from your record.

How much is SR-22 insurance per month in Massachusetts?

Six major factors affect car insurance rates in Massachusetts. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a MA DUI but it could be in constant influx because of road violations, tickets, and other infractions that add up. Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those states.

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Who Needs SR-22 Insurance in Massachusetts?

SR-22 car insurance must be carried by drivers who have had their drivers’ licenses revoked or suspended due to driving without insurance, driving under the influence of drugs (DUI), driving while intoxicated (DWI) or multiple driving violations or convictions on their driving record.

Are There Different Types of SR-22 Forms?

Yes. A motorist can get three types of SR-22 auto insurance: Operator, Owner and Operator-Owner. Operator SR-22 insurance covers drivers who operate but do not own a vehicle. Owner SR-22 insurance covers drivers who operate and own a vehicle. Operator’s-Owner insurance covers all vehicles owned or not owned by a motorist.

Is SR-22 Car Insurance Required in Massachusetts?

The state of Massachusetts does not require motorists to file a SR-22. Drivers who are required to file an SR-22 in another state should continue to do so, because the suspension of your driver’s license in another state could result in losing your driving privileges in the state of Massachusetts.

How Do I File a MA SR-22 Insurance Form?

You can contact your insurer and request to file a SR-22 with the state requiring the SR-22. The insurer may charge a processing fee, which can vary among agencies. You can go (here) to request a quote from state-authorized agencies in your area. Depending on state rules and regulations, your insurer may have to file the SR-22 auto insurance form within a certain timeframe, such as within 30 days. Once the SR-22 is accepted, the insurer will send you the SR-22 form. You must maintain the SR-22 for two to three years and renew it in a timely fashion before the expiration date. If you fail to renew your SR-22, the insurer must notify the state, who may revoke your driving privileges until you reinstate your SR-22 car insurance.