SR-22 Insurance in Massachusetts: What It Is and How to Get It

An SR-22 is not actually an insurance policy — it's a certificate of financial responsibility that your insurance company files with the Massachusetts RMV on your behalf. It proves that you carry the minimum required auto insurance coverage. The RMV requires it from high-risk drivers as a condition of reinstating or maintaining driving privileges.

You may be required to file an SR-22 if you've been convicted of a DUI or DWI, had your license suspended or revoked, been caught driving without insurance, accumulated too many points on your driving record, been involved in an at-fault accident without insurance, or been convicted of reckless driving. The RMV will notify you if an SR-22 is required.

In Massachusetts, most drivers are required to maintain an SR-22 for 3 years. If your policy lapses or is cancelled during that period, your insurer is required to notify the RMV — which can result in your license being suspended again. It's critical to maintain continuous coverage during the SR-22 period.

The SR-22 filing itself typically costs $25–$50. However, because SR-22 is required for high-risk drivers, your underlying auto insurance premium will likely be higher than average. The amount varies based on your specific violations, driving history, and the carrier. Working with an independent agent who has access to high-risk carriers can help you find the most competitive rate.

Contact an insurance agent who works with high-risk auto carriers. Amara Insurance Group specializes in SR-22 filings and works with carriers that offer competitive rates for drivers who need this coverage. We handle the filing directly with the RMV so you can get back on the road as quickly as possible.

Once your SR-22 requirement period ends, your insurer will stop filing the certificate. At that point, your insurance rates may decrease as the violations age off your record. We proactively review your policy at renewal to make sure you're getting the best rate available as your record improves.