Elijah Black

Lead Insurance Writer

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.

Lead Insurance Writer

Rachael Brennan

Licensed Auto Insurance Agent

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...

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

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 impact SR-22 rates the most? Typically, that’s an MA DUI, but it could be a 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.

Who requires 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.

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

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 an MA SR-22 Insurance Form?

You can contact your car insurance company 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.

Massachusetts SR-22 Insurance : The Bottom Line

Typically, a SR‑22 certificate isn’t needed in Massachusetts, because Massachusetts requires mandatory liability insurance. However, in some situations, you might be required to have SR22 insurance in Massachusetts if you’ve been convicted of a traffic offense outside of Massachusetts. SR22 insurance is necessary in order to get your driver‘s license back. SR-22 requirements exist after you’ve committed certain offenses with the law. You might even be required to have a SR-22 certificate if there has been a series of small violations in a short period of time. If you’re planning to drive without car insurance, driving with a revoked or suspended license or having repeated traffic violations, you may be required to get SR22 insurance.

 Not all insurance companies file SR-22s.  But many major carriers are SR-22 insurance companies, meaning they can provide policies and file the forms with state or legal entities on your behalf.

You have learned everything you need to know about how SR-22 filings work in MA, how to get one in place and how to find affordable SR-22 insurance coverage.