"Switched carriers and saved $52/month. The whole process took about 5 minutes."
Patricia W.
Philadelphia, PA
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Massachusetts requires SR-22 filing after DUI/OUI convictions, driving without insurance, and certain license suspensions. Given the state's already-high base rates, SR-22 adds a significant premium increase — but comparing carriers reveals meaningful rate differences.
The SR-22 period in Massachusetts is typically 3 years. Your insurer files electronically with the RMV, and any lapse triggers automatic notification. In Boston, where base rates are elevated, SR-22 premiums can reach $135–$190/month, making carrier comparison critical.
Massachusetts' SDIP system means an SR-22-triggering violation also adds surcharge points, compounding the cost. Carriers who specialize in high-risk Massachusetts drivers often price this combination more favorably than standard carriers.
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Typically 3 years from your violation. Any coverage lapse notifies the RMV and can extend the requirement.
Filing fee is $15–$25. Insurance with SR-22 runs $78–$190/mo depending on your record and location.
Yes. Most carriers file electronically with the RMV on the same day you activate coverage.
OUI (DUI), driving without insurance, license suspension, and certain serious violations.
The underlying violation adds SDIP surcharge points. SR-22 itself is a filing requirement, not a separate SDIP event.
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Philadelphia, PA
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