Cheapest SR-22 Car Insurance in Massachusetts: 2026 Rates and Requirements

Massachusetts is one of a handful of states that prohibits credit-based insurance pricing, so your SR-22 surcharge is based entirely on your driving record, not your finances. GEICO is the cheapest SR-22 provider at $132 per month for minimum coverage, with Farmers second at $147 per month, a $15 monthly difference. Both rates are well above the clean-record state average of $45 per month, representing a 193% increase for SR-22 drivers.

For drivers seeking minimum coverage at the lowest possible cost, GEICO is the clear choice at $132 per month. Drivers with a financed vehicle who need full coverage car insurance in Massachusetts should note GEICO's full coverage rate of $255 per month. Drivers whose credit was also affected should review options in our guide to car insurance for drivers with bad credit for additional context.

Plymouth Rock offers the cheapest SR-22 rates for most violation categories in Massachusetts, with its lowest rate at $96 per month for minimum coverage for drivers with multiple speeding tickets. The most expensive violation category is hit-and-run, where the cheapest available rate is $127 per month, a $31 monthly gap above the lowest violation rate. DUI drivers should review MoneyGeek's guides on Massachusetts DUI car insurance and car insurance after a DUI to understand surcharges and available options.

Groton is the cheapest city for SR-22 insurance in Massachusetts at $59 per month for minimum coverage, while Dorchester is the most expensive at $150 per month, a $91 monthly spread. Plymouth Rock is the cheapest company in the majority of Massachusetts cities, including Groton, Lowell, Woburn, Worcester, Roxbury Crossing, Springfield and Dorchester. Drivers comparing options across the state can also review MoneyGeek's guide to cheapest car insurance in Massachusetts to see how SR-22 rates compare to standard market rates.

Plymouth Rock ranks first for SR-22 drivers in Massachusetts, leading on both affordability and range of coverage options. It's the best fit for drivers who need to reinstate their license at the lowest combined cost while still accessing reliable policy options, a practical advantage in a state where SR-22 surcharges run high.

Progressive ranks second, with its highest sub-score in coverage quality. Progressive suits drivers who want reliable policy options alongside competitive SR-22 rates. Drivers who have resolved their violation and want to compare broader options can review MoneyGeek's guides to the best car insurance in Massachusetts and best car insurance companies for a full market view.

Massachusetts drivers with a DUI pay an average of $87 per month for state minimum SR-22 coverage, up from $45 per month for a clean record. That 93% increase is driven entirely by the violation, not finances. Massachusetts prohibits credit-based insurance scoring, so credit history has no effect on SR-22 premiums in the state.

Other violations carry lower surcharges: speeding and texting convictions average $55 per month, making them much less costly than a DUI. Drivers who want to understand how their base rate compares should review the average cost of car insurance in Massachusetts or use the car insurance calculator for Massachusetts to estimate a personalized rate.

An SR-22 is a certificate of financial responsibility, not an insurance policy. Massachusetts requires drivers with serious violations, including DUIs, license suspensions and certain repeat offenses, to file an SR-22 through their insurer with the Massachusetts Registry of Motor Vehicles (RMV). Massachusetts does not use FR-44; SR-22 is the only financial responsibility certificate required in the state.

The standard SR-22 period in Massachusetts is three years from the conviction date. If coverage lapses at any point during those three years, the license is re-suspended immediately, the three-year clock restarts from scratch and the driver must pay the $100 RMV reinstatement fee before the license can be restored. If standard market coverage is no longer available, a licensed agent can help you access the Commonwealth Automobile Reinsurers (CAR) plan, the state's coverage option of last resort.

GEICO is the cheapest SR-22 provider in Massachusetts at $132 per month for minimum coverage, making it the right starting point for any driver focused solely on reinstating their license at the lowest cost. Plymouth Rock is the best-rated option for drivers who want better coverage quality and a lower complaint record alongside competitive SR-22 rates.

Before the three-year SR-22 period ends, set a calendar reminder to confirm the filing is still active, because a single missed payment restarts the clock with no grace period under Massachusetts law. Once the SR-22 obligation is fulfilled, compare options in MoneyGeek's guide to cheapest car insurance in Massachusetts to find a standard market rate that reflects a clean record.