Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Massachusetts Cheapest SR-22 insurance in Massachusetts The cheapest SR-22 insurance policies in Massachusetts are offered by State Farm, at $946 a year, and GEICO, at $1,376 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele 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. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 is an SR-22?An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.Key TakeawaysSR-22 car insurance in Massachusetts costs $1,900, on average.State Farm offers the cheapest SR-22 insurance policies in Massachusetts at $946 per year.SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.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 violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf 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 MassachusettsThe average SR-22 car insurance cost in Massachusetts is $1,900. Massachusetts’s rate is $885 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,141 less than in Michigan, the most expensive state for SR-22 insurance. However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.Cheapest SR-22 insurance companies in MassachusettsInsurance 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.CompanyAverage annual premiumAverage monthly premiumState 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 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in MassachusettsMassachusetts car insurance calculatorNon-owner car insurance in Massachusetts: Which company has the cheapest rates? Cheap SR-22 insurance in Massachusetts by cityAs 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.CityAverage annual premiumNewburyport$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 MassachusettsThe Massachusetts DMV requires all drivers 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 accidentThese are just the minimum requirements. Experts recommend getting more coverage than the mandated minimum coverage. Although it may raise your premium, the added coverage could prove highly beneficial.How much does SR-22 in Massachusetts cost with a DUI?Insurance companies charge different premiums for drivers with a DUI.Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyState 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 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in MassachusettsYou may face sky-high insurance premiums if you need an SR-22 in Massachusetts. However, there are ways to save on car insurance whether or not you require an SR-22.First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies specialize in high-risk drivers and offer you better SR-22 rates.Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Massachusetts, recommends the following:Shopping 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 a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.Non-owner SR-22 insurance in MassachusettsSome states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.It’s often a more affordable option than a standard policy since it only covers liability. Read more about how non-owners car insurance works in Massachusetts Who needs SR-22 insurance?Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.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 MassachusettsMassachusetts’s average SR-22 insurance rate is $1,900, compared to the overall average car insurance cost in Massachusetts, which is $1,760. That means Massachusetts’s SR-22 rate is $140 more per year.But remember that there are a lot of factors that can affect 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 MethodologySources:Shouse Law Group. “SR22 Massachusetts.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.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. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Massachusetts?Average SR-22 car insurance cost in MassachusettsCheapest SR-22 insurance companies in MassachusettsCheap SR-22 insurance in Massachusetts by citySR-22 insurance requirements in MassachusettsHow much does SR-22 in Massachusetts cost with a DUI?How to get the cheapest SR-22 insurance in MassachusettsNon-owner SR-22 insurance in MassachusettsWho needs SR-22 insurance?How long do you need SR-22 insurance in Massachusetts?The bottom line on SR-22 in MassachusettsWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330