Cheap SR22 Massachusetts Auto Insurance

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An SR-22 is a certificate of insurance or a proof of financial responsibility required by certain states of certain drivers. Within such states, this certification can be demanded for in various situations ranging from as a condition for the reinstatement of a suspended license to an arrest for a DUI.

Though SR-22 certificates are not required, SR-22 issues in Massachusetts tend to arise when a driver licensed by the state registry is arrested for a relevant offence in another state where the certification is required. For this reason, under the rules of the Mass Automobile Insurance Bureau, the issuance of the form is mandatory upon request.

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Drivers Who May Need Massachusetts SR22 Insurance

Reckless Driving

DUI/DWI violation

Driving Uninsured

SR22 insurance
Situations that might call for the issuance of the form are:

  • A conviction for driving without insurance
  • Conviction for a DUI
  • Accumulation of multiple speeding and parking tickets.
  • Driving with a revoked or suspended license
  • Numerous accidents for which fault has been legally proven.
  • Reckless driving
  • Failure to pay fines from tickets

As a result of the lack of requirement of an SR-22 in the state, Massachusetts has one of the strictest insurance regulations in the country and it possesses compulsory liability insurance coverage requirements that must be met before a driver is legally permitted to operate within the state.


Cost of an SR-22 policy in Massachusetts

Generally speaking, factors that affect insurance rate determination in the United States are driving record, occupation, credit score, age, type of vehicle and so on. The same factors affect insurance rates in Massachusetts with the exception of the credit score. The requirement of an insurance certification is seen as a blot on a driver’s record and, hence, would affect insurance rates negatively.

A driver with such certification would have insurance premiums that exceed those of standard policies by an average of 98%. Despite the fact that the state of Massachusetts doesn’t require the certification, the same increase in insurance premiums would be the result of any violations that impact a driver’s record negatively.

Other than the effect on insurance premiums, drivers in Massachusetts may still be required by the state to pay certain for the violation of driving laws. For instance, a violation of car insurance laws in the state can result in fines ranging from $500 %5,000. A $500 fee would also b required as reinstatement fee for drivers with suspended licenses.

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Cheap SR22 Car Insurance Massachusetts

What to do if you have no car or license

In the event that your license has been suspended, you would be required to purchase insurance coverage and file an insurance certification with the state to have it reinstated. This is so whether or not you have a car. The most appropriate policies for such a situation are non-owner or operators insurance policies.

How to file for an SR-22 in Massachusetts

To file an SR-22 with the state requiring it, you should contact your insurance provider. For the processing of the form, you would probably be charged a small fee by the provider. This fee varies from insurer to insurer but rarely exceeds $100 if ever. Depending on the rules and regulations within the state where the filing is required, you may be required to file the form within a timeframe.

After paying the processing fee and purchasing an insurance policy that meets with the minimum liability coverage requirements of the state requiring the filing, the form can be filed. Upon acceptance of the filing, it must be maintained for the mandated period of time and insurance coverage during this time must be continuous with no lapses.

The minimum liability coverage requirements of Massachusetts are:

  • $20,000 bodily injury liability coverage per person
  • $40,000 bodily injury liability coverage per accident
  • $8,000 personal injury protection per person per accident
  • $5,000 property damage liability coverage
  • Uninsured motorist bodily injury coverage of $20,000 per person and $40,000 per accident.

If you are from another state or are moving to another state

If you are a driver within Massachusetts with an out of state SR-22 filing, the state still requires you to maintain the filing while also meeting the minimum liability coverage requirements of Massachusetts.

The duration of an SR-22 form in Massachusetts

The certification is generally required to be maintained for three years but this could be longer depending on the severity of an offence and the number of offences on the driver’s record.

What to do if the SR-22 lapses

A lapse in coverage at any point during the filing period would result in another suspension of a driver’s license because insurance providers are required by law to report the cancellation of a policy. Once the license is suspended, the insurance policy would have to be renewed and reinstatement fees would need to be paid before it can be reinstated.

How to go about cancelling my filing when I no longer need SR-22 coverage

In Massachusetts, auto insurance is compulsory for every driver to possess and even after an SR-22 mandate has been completed, drivers must still continue to hold insurance coverage that is in line with the state requirements. The safest way to go about a filing cancellation is to fist contact the relevant state authorities to confirm the completion of the mandate before directing the insurance provider to cancel the filing. After cancellations, favorable adjustments would be made to a driver’s insurance premiums.


Frequently Asked Questions (FAQ)

  • How much is an SR-22 per month?
  • Massachusetts does not need an SR-22 filing of its drivers but drivers within the state may need to file and maintain one in another state. In the vent that a driver commits any driving violations in Massachusetts, there are penalties and fines that can be awarded other than the effect on insurance premiums. Drivers in Massachusetts may still be required by the state to pay certain for the violation of driving laws. For instance, a violation of car insurance laws in the state can result in fines ranging from $500 %5,000. A $500 fee would also b required as reinstatement fee for drivers with suspended licenses.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

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  • How long do you have to have an SR-22 in Massachusetts?
  • The certification is generally required to be maintained for three years but this could be longer depending on the severity of an offence and the number of offences on the driver’s record.

  • Does SR-22 go away?
  • An SR-22 filing is not forever. Some states may have laws that require the filing to be maintained for life in some cases but most require the filing to be maintained for 1-5 years depending on the severity of the offence committed.

  • Is SR-22 insurance full coverage?
  • SR-22 insurance may provide full coverage and it may not. The law only requires it to provide liability coverage in the event of an accident. Full coverage is not required but it would be good for you.

  • Do I need SR-22 and regular insurance?
  • Though an SR-22 is not required in Massachusetts, states that require the filing of the form also need it to come with a valid insurance policy. The form is really only proving to the state that you have a policy that meets their requirements.

  • What happens if I don’t pay my SR-22?
  • A lapse in coverage at any point during the filing period would result in another suspension of a driver’s license because insurance providers are required by law to report the cancellation of a policy. Once the license is suspended, the insurance policy would have to be renewed and reinstatement fees would need to be paid before it can be reinstated.

  • Who has the best SR-22 insurance?
  • Though the state of Massachusetts doesn’t require an SR-22 form to be filed by drivers, the offence that may require the filing in other states would still affect your insurance rates. The insurance provider with the lowest insurance rates for drivers with OUIs in the state is State Farm.

  • What’s the difference between SR-22 and regular insurance?
  • Basically, an SR-22 form is required as proof that a driver has an insurance policy that meets the minimum requirements of the state in which the filing is to be made. The insurance policy that is attached to such a filing is called SR-22 insurance and differs from regular insurance in that the premiums are higher.

  • Does SR-22 cover any car I drive?
  • Depending on the type of certification a driver is carrying, an SR-22 can cover any car a driver is driving. There are generally three types of certification; one for drivers with cars, one of for drivers who own no cars and one that covers drivers regardless of the ownership of the car they are driving.

  • Can I get an SR-22 without having car insurance?
  • No. An SR-22 is required as proof that a valid insurance policy exists. So, for the SR-22 to be valid, an insurance policy meeting the necessary requirements would need to have been purchased first.