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Massachusetts SR-22 & High-Risk Auto Insurance

Massachusetts requires 25/50/30 liability coverage and is a no-fault state.

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Massachusetts at a Glance

25/50/30

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Massachusetts

Drivers with DUI convictions, major violations, uninsured accidents, or license suspensions typically face SR-22 filing requirements that last 3 years from the reinstatement date. The state's Safe Driver Insurance Plan (SDIP) assigns surcharge points for violations, directly increasing premiums for high-risk drivers through a mandatory rating system used by all carriers. Non-standard carriers dominate the high-risk market in Massachusetts, as many preferred carriers exit after serious violations.

Liability Insurance

Massachusetts mandates 20/40/5 liability minimums, which fall below the national average and may leave high-risk drivers financially exposed in serious accidents. After a DUI or at-fault accident, carriers often require higher limits (50/100/25 or greater) as a condition of coverage, increasing premiums beyond the base violation surcharge.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your carrier to prove continuous coverage to the Massachusetts Registry of Motor Vehicles (RMV). Drivers typically need SR-22 after DUI, refusing a chemical test, accumulating excessive violations, or causing an uninsured accident.

Uninsured Motorist Coverage

Massachusetts requires uninsured motorist bodily injury coverage at the same limits as your liability policy, with a minimum of 20/40. High-risk drivers benefit from this requirement since they face higher risk of being underinsured themselves if sued after another accident.

Full Coverage

Non-Standard Auto Insurance

Non-standard carriers in Massachusetts specialize in high-risk drivers and often become the only option after DUI, multiple violations, or license reinstatement. These insurers—typically regional specialists or subsidiaries of national carriers—offer liability-only or full coverage with higher premiums but relaxed underwriting standards.

What Drivers Pay in Massachusetts

$226–$268/mo

Typical monthly rate in Massachusetts, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type and SDIP surcharge points (DUI = 5 points, at-fault accident = 3–4 points, speeding 10+ mph over = 2 points)
  • SR-22 filing requirement and duration remaining (fewer than 12 months left may qualify for standard market re-entry with some carriers)
  • Carrier availability in non-standard market (only 8–12 insurers actively write high-risk policies in Massachusetts)
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Massachusetts minimums (20/40/5) are low and may not cover severe accidents, leaving high-risk drivers vulnerable to lawsuits.

SR-22 Filing

Certificate proving continuous coverage to the RMV. Required after DUI, suspensions, or uninsured accidents.

Non-Standard Auto Insurance

High-risk insurance for drivers rejected by standard carriers due to violations, DUI, or license issues. Higher premiums but flexible underwriting.

Uninsured Motorist Coverage

Pays for injuries caused by drivers with no insurance or insufficient coverage. Required in Massachusetts at 20/40 minimum.

Full Coverage

Combines liability, comprehensive, and collision. Required by lenders and provides complete vehicle and liability protection.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Optional unless required by lienholder.

Find Your City in Massachusetts

Boston

urban

Worcester

urban

Springfield

urban

Cambridge

urban

Lowell

urban

Brockton

urban

Quincy

suburban

Lynn

urban