SR-22 Massachusetts | The bank rate

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Have you recently received a letter or received a court order to obtain an SR-22? If so, you may have searched online for terms such as “SR22 Insurance Massachusetts”, “Cheap sr22 insurance Massachusetts”, or “Massachusetts sr22 insurance”. If so, you may have had a hard time finding exactly what you need.

If you haven’t read anything that makes sense, or if you’ve seen a lot of conflicting information, there’s a reason for that: Massachusetts doesn’t need SR-22. To make matters even more confusing, an SR-22 isn’t even a type of insurance. All it does is prove you have insurance with a DMV. The exact shape required varies from state to state, as does the impact on costs.

What is SR-22 insurance?

An SR-22 is not insurance. Instead, it is proof of insurance forwarded to a DMV to prove financial responsibility.

SR-22s require minimal liability. However, since Massachusetts does not require an SR-22, then your insurance must meet or exceed the state that issued the SR-22 to you. Despite what you may think, an SR-22 issued by another state can still affect your driving privileges in Massachusetts.

To meet an SR-22 requirement, you must have your insurance provider send an SR-22 to the appropriate state DMV. If you don’t have insurance, you will need to find a provider willing to insure a driver with an SR-22 requirement. Many local suppliers cannot or will not do this, but you should have no problem with a national company.

Alternatives to SR-22 Massachusetts

Massachusetts has no alternative to the SR-22 because a Massachusetts SR22 does not exist in the first place. However, you can still receive an SR-22 from another state and have it posted to you in Massachusetts.

Below are examples of other shapes similar to an SR-22:

Form States issued Insurance minimums required
SR-22 All states except: Delaware, Kentucky, Massachusetts, Minnesota, New Mexico, Oklahoma Minimum liability
SR-19 California, texas Minimum liability
SR-21 Florida, Georgia, Indiana Minimum liability
SR-22A Georgia, Texas, Missouri Minimum liability, but 6 months of insurance must be prepaid.
FR-44 Florida, Virginia Minimum double liability
SR-50 Indiana Minimum liability
  • SR-19: Texas and California issue SR-19s, but they serve different purposes. In California, this is so that you can receive payment if the at fault driver is uninsured, and in Texas, it is a legally binding payment agreement from an at fault uninsured driver.
  • SR-21: This verifies that you had insurance prior to an accident where there was bodily injury, death or property damage totaling more than $ 1,000.
  • SR-22A: Similar to a standard SR-22, the SR-22A checks current and future financial accountability. Drivers must pay 6 months of insurance in advance.
  • FR-44: This provides proof of financial responsibility, but drivers are often ordered by a court to buy double liability. Example: A 25/50/25 policy should become a 50/100/50 policy.
  • SR-50: This is mandated in Indiana to prove that a driver has insurance after certain driving offenses.

Non-owner SR-22

A non-owner’s insurance policy is a good way to meet SR-22 requirements if you don’t currently own a car but frequently lease or borrow someone else’s. Many companies offer auto insurance policies for non-owners, but when purchasing the rates you will still need to make sure that they work with SR-22 drivers as well. Again, a national company is probably your best bet.

A no-owner policy is a great option if you’ve recently totaled your car or been convicted of a serious moving offense while driving someone else’s car. This will help you keep your license and save money on auto insurance at the same time.

SR-22 Massachusetts Insurance Fee

Massachusetts does not require high-risk drivers to produce SR-22s. However, if you have an SR-22 order from another state, you will need to comply if you want to keep your driver’s license and vehicle registration.

Most insurance companies charge a one-time filing fee between $ 15 and $ 35 to send an SR-22 to the appropriate DMV, but the real cost of just one comes down to your driving record. Whatever reason you were ordered to get an SR22, your insurance premium will likely be increased. Whether it’s a DWI, too many at-fault accidents, or a DUI, you’re probably going to pay more. However, if your driving record is relatively clean, Progressive says that most drivers with SR-22 requirements only see a 5% increase in their premiums.

Faq

How Long Do I Need an SR-22 in Massachusetts?

Since Massachusetts does not need SR-22, to answer this question you will need to refer to the state that ordered it. The average is three years, but some states like Tennessee may require an SR-22 certificate for up to five years.

How do I get SR-22 insurance in Massachusetts?

If you already have insurance, all you need to do is ask your provider to send an SR-22 to the appropriate state DMV. If you don’t have insurance, you’ll need to find a provider in Massachusetts who is ready to insure drivers who need an SR-22. You may have issues with a local provider doing this, but shouldn’t have any issues with a national channel.

How Much Does SR-22 Insurance Cost in Massachusetts?

The true costs associated with an SR-22 boil down to a one-time filing fee (typically $ 15- $ 35) and any driving violations on your record. Indeed, it is not the SR-22 that increases your premium, but rather your driving history. A DUI, for example, will dramatically increase the cost of your premium.

What happens if my insurer cancels my policy?

If you cannot find another insurance provider, you will lose both your license and your vehicle registration.

Why doesn’t Massachusetts have an SR-22?

Massachusetts does not need SR-22 because purchasing insurance is mandatory if you want to drive. Therefore, he already knows that all his drivers are properly insured.

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