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

GEICO offers the cheapest SR-22 insurance in Massachusetts at $132 a month for minimum coverage. Compare rates by provider, violation type and city.

Written by Mark Fitzpatrick

Updated: May 19, 2026

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Key Takeaways

GEICO is the cheapest SR-22 insurance provider in Massachusetts, with an average monthly minimum coverage premium of $132.

Massachusetts drivers with a DUI pay an average of $87 a month for state-minimum SR-22 coverage, up from $45 a month for a clean record.

Massachusetts requires SR-22 filing for three years from the conviction date, and any coverage lapse immediately re-suspends your license with no grace period.

Cheapest SR-22 Insurance in Massachusetts

Massachusetts prohibits credit-based insurance pricing, so your SR-22 surcharge is based entirely on your driving record, not your credit score. GEICO is the cheapest SR-22 provider at $132 a month for minimum coverage. Farmers is second at $147 a month. Both rates are well above the clean-record state average of $45 a month. SR-22 drivers pay 193% with GEICO more than drivers with clean records.

Drivers who need full coverage in Massachusetts will pay $255 a month with GEICO. Drivers who also have credit challenges can find options in our guide to car insurance for bad-credit drivers.


GEICO	$132	$255	29%
Farmers	$147	$496	18%
Amica	$192	$355	0%
Travelers	$195	$375	4%
Progressive	$197	$332	3%

Cheapest SR-22 by Violation in Massachusetts

Plymouth Rock has the cheapest SR-22 rates across most violation categories in Massachusetts. For drivers with multiple speeding tickets, its minimum coverage rate is $106 a month. Hit-and-run is the most expensive category; the cheapest rate is $127 a month. For surcharge details, see MoneyGeek's guides on Massachusetts DUI car insurance and insuring a vehicle after a DUI.


Drivers With Hit-And-Run Accident	Plymouth Rock Insurance	$127	$274	25%
Drivers With Multiple Speeding Tickets	Plymouth Rock Insurance	$106	$243	23%
Drivers With Multiple Speeding Tickets	Arbella	$96	$185	38%
Drivers With Other Violations	Plymouth Rock Insurance	$54	$167	35%
Drivers With Racing Violation	Plymouth Rock Insurance	$111	$240	28%
Drivers With Racing Violation	Allstate	$115	$233	28%
Most Drivers Needing a SR-22	Plymouth Rock Insurance	$108	$244	41%
Senior Drivers With a Suspension	GEICO	$110	$207	36%
Senior Drivers With a Suspension	Plymouth Rock Insurance	$108	$242	30%
Young Drivers With a Suspension	Plymouth Rock Insurance	$117	$274	40%

Cheapest SR-22 Insurance in Massachusetts by City

Groton is the cheapest city for SR-22 insurance in Massachusetts at $59 a month for minimum coverage. Dorchester is the most expensive at $150 a month, a $91 gap. Plymouth Rock is the cheapest company across most Massachusetts cities, including Groton, Lowell, Woburn, Worcester, Roxbury Crossing, Springfield and Dorchester.


Groton	Plymouth Rock Insurance	$59	$155	40%
Dennis Port	GEICO	$89	$179	33%
Fairhaven	Plymouth Rock Insurance	$92	$204	39%
Cambridge	GEICO	$93	$182	43%
Lowell	Plymouth Rock Insurance	$94	$209	42%
Woburn	Plymouth Rock Insurance	$95	$223	34%
Worcester	Plymouth Rock Insurance	$110	$251	38%
Roxbury Crossing	Plymouth Rock Insurance	$112	$258	58%
Springfield	Plymouth Rock Insurance	$126	$260	43%
Dorchester	Plymouth Rock Insurance	$150	$340	43%

Best SR-22 Insurance Companies in Massachusetts

Plymouth Rock ranks first for SR-22 drivers in Massachusetts. It scores highest on affordability and coverage range. For drivers who need to reinstate their license while keeping costs down, Plymouth Rock has the best combination of price and policy quality in a state where SR-22 surcharges run high.

Progressive ranks second. Its highest sub-score is in coverage range, and it's a strong option for SR-22 drivers who want broad policy options at a competitive rate. Drivers who've cleared their violation can find state-specific options in MoneyGeek's best car insurance in Massachusetts guide or browse our top-rated insurer rankings.


Plymouth Rock Insurance	4.69	4.91	5	4.15
Progressive	4.45	4.63	4.6	4.02
Amica	4.34	4.19	3.3	5
Arbella	4.3	4.76	3.3	3.72
Travelers	4.29	4.28	3.6	4.54

Plymouth Rock

Top Pick for Best SR-22 Insurance in Massachusetts

Plymouth Rock offers SR-22 drivers in Massachusetts minimum coverage starting at $108 a month. It has the highest coverage score among all rated providers in the state. The company's NAIC complaint index is 0.62, below the national median of 1.00. That's fewer complaints than expected for a carrier of its size. Plymouth Rock is the right choice for Massachusetts SR-22 drivers who want strong policy quality at a competitive rate. The carrier holds an A- financial strength rating from AM Best.

Progressive

Top Pick for SR-22 Coverage in Massachusetts

Progressive offers SR-22 minimum coverage in Massachusetts at $197 a month. Its highest score among the top-ranked providers is in coverage range. Progressive's NAIC complaint index is 0.79, below the national median of 1.00. For a carrier of its market size, that's a lower-than-expected complaint rate. For SR-22 drivers who need policy flexibility over the lowest possible premium, Progressive's coverage range justifies the higher rate. Progressive holds an A+ financial strength rating from AM Best.

How Much Is SR-22 Insurance in Massachusetts?

Massachusetts drivers with a DUI pay an average of $87 a month for state-minimum SR-22 coverage, up from $45 a month for a clean record. That 93% increase comes from your driving record alone. 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 a month, well below the $87 DUI rate. Drivers can compare their rate against the average cost of car insurance in Massachusetts or run their numbers through the Massachusetts rate calculator.

Data filtered by:


DUI - BAC >= .08	$87	$1,043	93%
At Fault Accident ($1000-$1999 Prop Dmg)	$72	$863	60%
Speeding 11-15 MPH over limit	$55	$659	22%
Texting While Driving	$55	$660	22%

SR-22 FILING FEE IN MASSACHUSETTS

Massachusetts insurers charge a one-time filing fee to submit your SR-22 to the Massachusetts Registry of Motor Vehicles (RMV). Fees range from $15 to $25. This fee is separate from your insurance premium and from the RMV reinstatement fee, which varies by violation type.

Massachusetts SR-22 Insurance Requirements

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 is restored. If standard market coverage is no longer available, a licensed agent can connect you with the Commonwealth Automobile Reinsurers (CAR) plan, the state's insurer of last resort.

Massachusetts Minimum Liability Limits

Massachusetts law requires SR-22 drivers to carry at least the state-minimum liability limits under the 20/40/5 requirement. These minimums are lower than the coverage levels most insurers recommend for adequate financial protection.

$20,000 Bodily Injury Per Person

Covers injuries to a single person in an at-fault accident up to $20,000. This is the Massachusetts legal minimum under the 20/40/5 requirement.

$40,000 Bodily Injury Per Accident

Covers total bodily injury costs across all people injured in a single at-fault accident, capped at $40,000. When multiple people are injured, this limit applies to the combined total.

$5,000 Property Damage

Covers damage to another person's vehicle or property up to $5,000. Massachusetts's $5,000 property damage minimum is among the lowest in the country. Most insurers recommend at least $25,000 to cover the cost of a modern vehicle.

SR-22 Filing Types in Massachusetts

Massachusetts issues two types of SR-22 certificates. The correct type depends on whether you own the vehicle you drive.

Owners Certificate

Required for drivers who own the vehicle they are insuring. Filed with the Massachusetts Registry of Motor Vehicles (RMV) by your insurer at policy inception.

Operators Certificate

A non-owner SR-22 for drivers who do not own a vehicle. Covers any non-owned vehicle you drive and is filed with the Massachusetts Registry of Motor Vehicles (RMV). Learn more about non-owner SR-22 insurance and non-owner car insurance in Massachusetts.

SR-22 Fees, Lapse Rules and Filing Process

SR-22 Filing Fee

Massachusetts insurers charge a one-time fee of $15 to $25 at policy inception to file your SR-22. This fee is set by the carrier and is separate from your premium and from the RMV reinstatement fee.

Coverage Lapse Consequences

Any lapse in SR-22 coverage triggers immediate license suspension with no grace period. Your insurer notifies the Massachusetts Registry of Motor Vehicles (RMV) the same day coverage ends, and the three-year SR-22 clock restarts from scratch. You must file a new SR-22 and pay the $100 reinstatement fee before your license can be restored.

Filing Process

Your insurer files the SR-22 electronically with the Massachusetts Registry of Motor Vehicles (RMV) within 24 to 48 hours of policy inception. The RMV confirms receipt within three to five business days. Don't drive until you receive confirmation that your SR-22 is on file.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you're eligible for the Commonwealth Automobile Reinsurers (CAR) plan, Massachusetts' insurer of last resort. CAR provides state-minimum liability coverage (20/40/5) and is accessible through any licensed Massachusetts insurance agent. Rates are higher than voluntary market rates, but CAR guarantees coverage when the standard market will not. Learn more about low-income car insurance in Massachusetts.

SR-22 Insurance in Massachusetts: Bottom Line

GEICO is the cheapest SR-22 provider in Massachusetts at $132 a month for minimum coverage. It's the right starting point for drivers focused 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 index with competitive SR-22 rates.

Before the three-year period ends, confirm with your insurer that the SR-22 is still on file with the RMV and that no payments were missed. A single missed payment restarts the clock with no grace period under Massachusetts law. Once the SR-22 obligation is fulfilled, MoneyGeek's cheapest car insurance in Massachusetts guide lists standard market rates for drivers with a clean record.

Frequently Asked Questions About SR-22 Insurance in Massachusetts

Who has the cheapest SR-22 insurance in Massachusetts?

GEICO offers the cheapest SR-22 insurance in Massachusetts at $132 a month for minimum coverage. The cheapest provider for minimum coverage may differ from the cheapest for full coverage. Farmers is the second-cheapest at $147 a month for minimum coverage but rises to $496 a month for full coverage. For drivers with a financed vehicle, GEICO is the better value.

How much does SR-22 insurance cost after a DUI in Massachusetts?

Massachusetts drivers with a DUI pay an average of $87 a month for state-minimum SR-22 coverage, up from $45 a month for a clean record. That's a 93% increase. Because Massachusetts prohibits insurers from using credit scores as a rating factor, this surcharge is based on your driving record only. Drivers with both a DUI and credit challenges won't see a compounded rate increase from credit-based pricing.

How long do I need SR-22 insurance in Massachusetts?

Massachusetts requires SR-22 filing for three years from the conviction date. If your coverage lapses at any point, the clock restarts from zero with no grace period. Your insurer notifies the Massachusetts Registry of Motor Vehicles (RMV) the same day coverage ends, and your license is suspended immediately.

Does Massachusetts allow insurers to use credit scores for SR-22 pricing?

Massachusetts prohibits insurers from using credit scores as a rating factor for auto insurance, similar to California's Prop 103. SR-22 surcharges in Massachusetts are based on your driving record, vehicle type and location, not your credit history. Drivers dealing with both credit and driving record issues won't see a compounded rate increase from credit-based pricing.

How much does it cost to file an SR-22 in Massachusetts?

Massachusetts insurers charge a one-time SR-22 filing fee of $15 to $25 at policy inception. This fee is set by the carrier, not the state, and is separate from your insurance premium. You'll also need to pay a $100 reinstatement fee to the Massachusetts Registry of Motor Vehicles (RMV) before your license can be restored.

What happens if I can't get SR-22 insurance in Massachusetts?

If two or more standard market insurers deny you coverage, you're eligible for the Commonwealth Automobile Reinsurers (CAR) plan, Massachusetts' insurer of last resort. CAR provides state-minimum liability coverage (20/40/5) and is accessible through any licensed Massachusetts insurance agent. Rates through CAR are higher than voluntary market rates, but the plan guarantees coverage when no standard insurer will write your policy.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Massachusetts cities and violation types. Rates apply to drivers with suspended licenses or serious violations, including DUIs, speeding convictions and at-fault accidents.

MoneyGeek last updated rate data in 2025 from Quadrant Information Services and updates it every year.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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