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Massachusetts SR-22 & High-Risk Auto Insurance

Massachusetts requires SR-22 filing for license suspensions, DUI convictions, and at-fault uninsured accidents. The filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $240–$450/mo depending on violation severity and carrier availability.

Massachusetts cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Massachusetts

Massachusetts requires minimum liability coverage of $20,000 per person and $40,000 per accident for bodily injury, plus $5,000 for property damage. The state also mandates $8,000 in personal injury protection (PIP) coverage. SR-22 filing is typically required after license suspensions, DUI convictions, driving uninsured, or accumulating excessive violations. High-risk drivers often face mandatory SR-22 periods of 3 years, during which any lapse triggers immediate license suspension.

How Much Does Car Insurance Cost in Massachusetts?

High-risk auto insurance in Massachusetts costs significantly more than standard policies due to the state's competitive non-standard market and strict filing requirements. Drivers with a single DUI typically pay $240–$350/mo, while those with multiple violations or at-fault accidents may see rates of $350–$500/mo. Massachusetts uses a managed competition model where rates are filed with the Division of Insurance, but non-standard carriers have more flexibility in pricing high-risk profiles than standard carriers.

Minimum Liability
State-minimum 20/40/5 liability plus required $8,000 PIP and uninsured motorist coverage. Lowest legal option for high-risk drivers but leaves you exposed to personal liability in serious accidents.
Standard High-Risk
Increased liability limits of 50/100/25, PIP, uninsured motorist, and SR-22 filing. Most non-standard carriers recommend this tier for drivers with one major violation and moderate assets to protect.
Full Coverage High-Risk
Comprehensive and collision added to standard high-risk coverage, typically required for financed vehicles. Rates vary widely based on vehicle value, deductible selection, and whether you're insuring a newer or older car.

What Affects Your Rate

  • Type of violation: DUI convictions increase rates 80–150%, while speeding violations add 20–40%
  • Time since violation: Rates drop 15–30% after 1 year, 40–60% after 3 years, and return near standard after 5–6 years
  • SR-22 filing duration remaining: Shorter filing periods signal lower ongoing risk to underwriters
  • Carrier tier: Non-standard specialists like The General, Bristol West, and National General often quote $50–$100/mo less than standard carriers for identical coverage
  • Geographic location: Boston drivers pay 25–40% more than Western Massachusetts due to congestion and theft rates
  • Credit-based insurance score: Massachusetts allows limited use of credit in pricing, adding 10–20% variance for high-risk policies

Compare Auto Insurance Rates in Massachusetts

Find Your City in Massachusetts

Boston skyline view from the harbor with sailboats in foreground and downtown buildings on clear day

Boston

urban
Worcester, Massachusetts cityscape and street view

Worcester

urban
Springfield, Massachusetts cityscape and street view

Springfield

urban
Cambridge, Massachusetts cityscape and street view

Cambridge

urban
Lowell, Massachusetts cityscape and street view

Lowell

urban
Aerial view of historic stone courthouse with clock tower surrounded by green lawn in small town center

Brockton

urban
Golden grass stalks in a field backlit by sunlight against a blue sky with white clouds at sunset

Quincy

suburban
Nighttime street view of illuminated convenience store with light trails from passing cars on wet pavement

Lynn

urban

Sources

  • Massachusetts Registry of Motor Vehicles (RMV) - License Reinstatement Requirements
  • Massachusetts Division of Insurance - Auto Insurance Rate Filings
  • Massachusetts General Laws Chapter 90, Section 34J - Compulsory Motor Vehicle Liability Insurance

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