Updated: September 4, 2025
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Plymouth Rock provides the cheapest car rates for SR-22 insurance in Massachusetts, with rates averaging $108 per month or $1,294 per year for minimum coverage.
Average Massachusetts car insurance costs with an SR-22 filing run $194 monthly for minimum coverage and $398 per month for full coverage.
Massachusetts only requires SR-22 insurance if you have this requirement from a different state. In which case, Massachusetts requires SR-22 insurance to cover $20,000 per person and $40,000 per accident for injuries, plus $5,000 for property damage if your license is suspended.
If you are a Massachusetts resident and are required to hold an SR-22 because you committed a violation out of state, then you must file it in Massachusetts.
Plymouth Rock provides the cheapest SR-22 insurance in Massachusetts at $108 monthly for minimum coverage and $244 for full coverage, about 43% lower than the state's average rates. This only represents 40-year-old drivers with a DUI on record. GEICO, Arbella, Progressive and Travelers may offer more affordable rates for your profile.
| Plymouth Rock | $108 | $244 | -43% |
| GEICO | $141 | $271 | -34% |
| Arbella | $146 | $277 | -32% |
| Progressive | $169 | $283 | -27% |
| Travelers | $196 | $373 | -8% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Plymouth Rock stands out as the top SR-22 provider in Massachusetts, leading in four out of seven categories we analyzed. While GEICO offers the best rates for senior drivers and Arbella leads for those with multiple speeding tickets, Plymouth Rock consistently provides affordable coverage across most violation types.
| Most Drivers Needing a SR-22 | Plymouth Rock | $108 | $244 |
| Young Drivers With a Suspension | Plymouth Rock | $117 | $274 |
| Senior Drivers With a Suspension | GEICO | $110 | $207 |
| Drivers With Multiple Speeding Tickets | Arbella | $96 | $185 |
| Drivers With Racing Violation | Allstate | $115 | $233 |
| Drivers With Hit-And-Run Accident | Plymouth Rock | $127 | $274 |
| Drivers With Other Violations | Plymouth Rock | $54 | $167 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
While our research shows the overall winners for common driver profiles, your best insurance rates depend on personal factors. The table below matches you with affordable providers based on your age, gender, coverage needs, credit and driving history.
| GEICO | $217 | $2,600 | -42% |
| Amica | $288 | $3,460 | -23% |
| Progressive | $419 | $5,032 | 12% |
| Travelers | $432 | $5,183 | 16% |
| Allstate | $437 | $5,249 | 17% |
Plymouth Rock provides the most affordable SR-22 car insurance across Massachusetts cities, with rates starting at $59 monthly in Groton. You can check its rates for other major cities in Massachusetts below.
| Cambridge | GEICO | $93 |
| Dennis Port | GEICO | $89 |
| Dorchester | Plymouth Rock | $150 |
| Fairhaven | Plymouth Rock | $92 |
| Groton | Plymouth Rock | $59 |
| Lowell | Plymouth Rock | $94 |
| Roxbury Crossing | Plymouth Rock | $112 |
| Springfield | Plymouth Rock | $126 |
| Woburn | Arbella | $99 |
| Worcester | Arbella | $111 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Plymouth Rock stands as the best car insurance provider for SR-22 filing because it delivers the strongest combination of affordable rates, quality customer service and comprehensive coverage options, earning it the highest MoneyGeek score. Consider also looking into Progressive, Arbella, Travelers and GEICO during your search.
| Plymouth Rock | 4.75 | 1 | 3 | 1 |
| Progressive | 4.46 | 4 | 4 | 3 |
| Arbella | 4.30 | 3 | 6 | 7 |
| Travelers | 4.29 | 5 | 2 | 6 |
| GEICO | 4.23 | 2 | 7 | 8 |
Best Overall for SR-22 Insurance in Massachusetts
Average Monthly Full Coverage Cost
Average Monthly Minimum Coverage Cost
Best For
SR-22 car insurance in Massachusetts costs $2,329 annually for minimum coverage and $4,778 for full coverage policies. Massachusetts ranks 29th nationwide for minimum coverage affordability and 34th for full coverage. Monthly rates can range from $91 to $508, depending on your driver profile.
| Minimum Coverage | $194 | $2,329 | 10% |
| Full Coverage | $398 | $4,778 | 20% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Based on our analysis of Massachusetts SR-22 insurance rates, Groton offers the lowest minimum coverage premiums at $113 monthly, while Dorchester has the highest at $279. Review costs for major cities in Massachusetts for both full and minimum required coverage policies.
| Cambridge | $158 | $1,894 |
| Dennis Port | $129 | $1,548 |
| Dorchester | $279 | $3,354 |
| Fairhaven | $160 | $1,916 |
| Groton | $113 | $1,361 |
| Lowell | $176 | $2,108 |
| Roxbury Crossing | $278 | $3,339 |
| Springfield | $234 | $2,812 |
| Woburn | $157 | $1,884 |
| Worcester | $190 | $2,275 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
To comply with Massachusetts laws, you must carry these minimum liability limits:
In the state, SR-22 certificates are usually required for three years. The requirement can be extended beyond three years if there is noncompliance with requirements or repeated offenses."
For Massachusetts residents who need comprehensive coverage and need to file an SR-22 due to an out-of-state requirement, an SR-22 Operators-Owner Certificate combines both types of protection. It offers coverage whether you're driving your own vehicle or someone else's.
Massachusetts does not use SR-22 forms for its own residents. Instead, the state requires standard auto insurance that meets minimum coverage requirements.
If your license is suspended, you'll need to meet standard reinstatement requirements and provide proof of insurance, but an SR-22 filing is not part of this process. If a resident commits a violation in another state, they will need to file an SR-22 in that state in order to reinstate their license.
Massachusetts provides coverage options for high-risk drivers through the Massachusetts Automobile Insurance Plan (MAIP). Unlike many other states, Massachusetts doesn't require SR-22 forms, but instead uses MAIP to match drivers who can't get standard coverage with participating insurance companies.
Through this program, all licensed auto insurers in Massachusetts must take their fair share of high-risk drivers.
In Massachusetts, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
Below are frequently asked questions about SR-22 certifications in Massachusetts:
Plymouth Rock provides Massachusetts's cheapest SR-22 car insurance, averaging $108 monthly for minimum coverage. Arbella and GEICO are the next most affordable options.
Filing an SR-22 increases car insurance rates in Massachusetts by 20% compared to drivers with clean records.
In Massachusetts, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
MoneyGeek analyzed hundreds of thousands of quotes across Massachusetts to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Massachusetts SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Massachusetts's minimum coverage requirements, with the following limits:
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
