Massachusetts SR-22 Car Insurance

How Much Does SR-22 Cost in Massachusetts?

If you have been convicted of DUI/DWI, at-fault accident, and other driving violations in Massachusetts, the state will obligate you to acquire SR-22 insurance for you to renew your driving privileges. It is mandatory for your insurance policy to meet the minimum liability requirements of the state of Massachusetts. On the other hand, if you intend to continue driving but don’t own a car, you can apply for non-owner SR-22 insurance to garner liability insurance coverage, which is significantly cheaper than the standard insurance coverage.

Drivers in Massachusetts who garnered at least one driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Massachusetts will depend on the level of damages and severity of the violation. 

What is the rate of SR-22 insurance in Massachusetts?

The SR-22 insurance cost in Massachusetts will be nearly tripled the amount you pay before a serious citation such as DUI, at-fault accidents, or constant influx of road violations such as speeding tickets, racing, and other road infractions. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Massachusetts. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

On the other hand, there are also ways to gain cheap SR-22 insurance in Massachusetts. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22 insurance rates. You can extensively gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Massachusetts.

What is SR-22 Car Insurance in Massachusetts?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Massachusetts. One of which is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which must be done by your insurer on your behalf.

Massachusetts SR-22 Insurance Requirements

How Long Do You Need an SR-22 After an Accident?

Typically, the span of time you will need SR-22 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a two to three-year SR-22 insurance requirement in Massachusetts. However, for more severe fractions of violations and damages, it can last longer.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license.

Massachusetts Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be legible for non-owner SR-22 insurance in Massachusetts if you have a car that you constantly drive despite you don’t own it. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Massachusetts after a violation. 

Moreover, the state of Massachusetts requires premium payments made every six months instead of monthly billing transactions. SR-22A on the other hand is imposed for those who have been caught driving in Massachusetts without any car insurance coverage and have been committing violations of Massachusetts’ financial responsibility laws.  

Here are the most crucial steps:

Massachusetts Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,457
At-Fault Crash at >$2,000$2,444$977
Speeding Ticket (21-25mph above limit)$1,976$510
Reckless Driving$2,687$1,225
Racing$2,613$1,146
Hit-And-Run$2,687$1,224
DUI/DWI$2,567$1,111

Filing a Massachusetts SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Massachusetts, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Massachusetts SR-22 Car Insurance

Filing a Massachusetts SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

Therefore, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Massachusetts, which, relatively, the best way to keep your car insurance rate on the average level.

If you are insured and want to file SR-22 car insurance in Tennessee, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Massachusetts SR-22 Insurance FAQs

  • What is the minimum liability coverage do I need in Massachusetts for SR-22 insurance?

    Typically, there three requirements that you and your insurance provider need to meet; $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 property damage coverage per accident.

  • What are the forms of financial responsibility in Massachusetts for SR-22 insurance?

    There are three different forms of financial responsibility in Massachusetts; Owner’s Policy Certificate, Broad Coverage Policy Certificate, and Operator’s Policy Certificate. You can apply for one that qualifies you which will be determined by your insurance provider.

  • Who needs SR-22 insurance in Massachusetts?

    If you have been convicted of DUI/DWI at least once, you will be required to apply for SR-22 insurance in Massachusetts. Also, the constant accumulation of other driving violations will also lead to SR-22 insurance obligations.

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