Cheapest SR-22 insurance in Massachusetts

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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Massachusetts, State Farm offers the most affordable SR-22 insurance policies at $946 per year and GEICO at $1,376 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What’s an SR-22?

An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.

You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.

Key Takeaways

An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
You might need an SR-22 in Massachusetts due to DUI, reckless driving, or license suspension/revocation.
Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.

Do I need to buy SR-22 insurance in Massachusetts?

As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.

Examples of offenses that might require an SR-22:

DUI, DWI, or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.

You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.

Average SR-22 car insurance cost in Massachusetts

The average cost of SR-22 car insurance in Massachusetts is $1,900.

This is $885 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.

However, it’s also $2,141 cheaper than in Michigan, the most expensive state for SR-22 insurance.

However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.

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Cheapest SR-22 insurance companies in Massachusetts

Insurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Massachusetts.

Company	Average annual premium	Average monthly premium
State Farm	$946	$79
GEICO	$1,376	$115
American Family	$2,086	$174
Progressive	$2,127	$177
Travelers	$2,415	$201
Allstate	$3,001	$250
USAA*	$1,347	$112

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Massachusetts by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Massachusetts.

City	Average annual premium
Newburyport	$598
Andover	$695
Leominster	$735
Beverly	$735
Fitchburg	$822
Lowell	$987
Boston	$1,033
Worcester	$1,182
Springfield	$1,223
Chelsea	$1,452

SR-22 insurance requirements in Massachusetts

The Massachusetts DMV mandates all drivers in Massachusetts to have the following minimum car insurance coverage:

$20,000 for injury or death per person
$40,000 for injury or death per accident
$5,000 for property damage per accident

These are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.

How much does SR-22 in Massachusetts cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
State Farm	$1,721	$946
GEICO	$2,336	$1,376
Progressive	$2,506	$2,127
Travelers	$3,680	$2,415
American Family	$3,910	$2,086
Allstate	$6,199	$3,001
USAA*	$3,307	$1,347

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Massachusetts

If you need an SR-22 in Massachusetts, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Massachusetts

Some states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.

It’s generally a cheaper option than a standard car insurance policy since it only covers liability.

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.

How long do you need SR-22 insurance in Massachusetts?

You usually need to keep an SR-22 for three years.

During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.

The bottom line on SR-22 in Massachusetts

The average SR-22 insurance rate in Massachusetts is $1,900, while the average cost of car insurance in Massachusetts is $1,760. This means SR-22 insurance in Massachusetts costs $140 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Massachusetts.” Accessed December 2025.
Progressive Insurance. “What is an SR-22?” Accessed December 2025.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.