Massachusetts SR-22 & High-Risk Auto Insurance

State minimums of 20/40/5 are mandatory but insufficient for most high-risk drivers. Massachusetts uses the SDIP system, which assigns surcharge points for at-fault accidents and violations—these points directly increase your premium for up to 6 years. Drivers with recent violations should consider higher limits (50/100/50 or 100/300/100) to protect against lawsuits, as a second at-fault incident while already surcharged can make coverage extremely difficult to secure.

SR-22 is not insurance but a certificate your carrier files with the Massachusetts Registry of Motor Vehicles (RMV) proving continuous coverage. Not all carriers offer SR-22 filing in Massachusetts—non-standard insurers like The General, Direct Auto, and Progressive are common options for drivers requiring this certificate.

High-risk drivers cannot waive this coverage even at state minimums.

Massachusetts requires uninsured motorist (UM) coverage at the same limits as your liability policy, with a minimum of 20/40. You can reject this coverage in writing, but high-risk drivers should avoid doing so—if you're hit by an uninsured driver while carrying an SR-22, you cannot afford another at-fault claim or gap in coverage. UM protects you without adding surcharge points if you're not at fault.

Not required by Massachusetts law but mandatory if you finance or lease a vehicle.