Points On License Insurance
Get a Quote
A lit ornamental street lamp in the foreground along a brick-paved sidewalk beside brick row houses, with an empty street receding toward an orange sunset sky.

Massachusetts SR-22 & High-Risk Auto Insurance

Massachusetts requires 25/50/30 liability coverage and is a no-fault state.

Find Carriers That Accept Points

Massachusetts at a Glance

25/50/30

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Massachusetts

The state mandates SR-22 filing (officially called a Certificate of Financial Responsibility) after certain license suspensions, DUI convictions, and uninsured accidents. Massachusetts uses a surchargeable event system rather than points—accumulating three or more surchargeable events in five years triggers insurance surcharges and potential license action.

Liability Insurance

Massachusetts law requires 20/40/5 liability minimums. High-risk drivers should consider 100/300/100 limits because a second at-fault accident with minimum coverage can trigger policy non-renewal and force placement into the Massachusetts Automobile Insurance Plan (MAIP), the state's assigned risk pool.

SR-22 Certificate

Massachusetts requires an SR-22 Certificate of Financial Responsibility for drivers with license suspensions, DUI convictions, or multiple uninsured violations. The certificate must remain active for three years with no coverage lapses—any gap triggers immediate license suspension and restarts the three-year clock.

Personal Injury Protection (PIP)

This coverage pays your medical expenses and lost wages regardless of fault, which protects high-risk drivers from out-of-pocket costs after an accident even if their liability limits are exhausted.

Uninsured Motorist Coverage

Massachusetts requires uninsured motorist bodily injury coverage matching your liability limits (minimum 20/40). High-risk drivers face elevated accident risk statistically, making UM coverage critical—if an uninsured driver causes your injuries, this coverage pays your medical bills and lost income up to your policy limits without affecting your own liability status.

Non-Standard Auto Insurance

Drivers with DUI convictions, suspended licenses, or multiple surchargeable events often cannot obtain coverage from standard carriers and must use non-standard insurers or the Massachusetts Automobile Insurance Plan (MAIP). MAIP is the insurer of last resort and assigns high-risk drivers to participating carriers—rates are higher but coverage is guaranteed if you meet state requirements.

What Drivers Pay in Massachusetts

$226–$268/mo

Typical monthly rate in Massachusetts, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Surchargeable event count: Three or more events in five years trigger mandatory surcharges and move drivers toward non-standard or MAIP placement
  • City and ZIP code: Boston, Worcester, and Springfield have the highest premiums due to accident density and comprehensive claim frequency
  • Time since violation: Rates begin decreasing after 3 years for most violations, with full recovery taking 5–7 years if no additional incidents occur
A man in a cap, olive shirt, jeans and boots leans against the rear of a pickup truck on a dirt road at sunset.

Stop Overpaying While Your Points Fade

Find Carriers That Accept Points

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. Massachusetts minimums (20/40/5) are insufficient for serious accidents—consider 100/300/100 to avoid personal asset exposure.

Full Coverage

Combines liability, collision, comprehensive, PIP, and uninsured motorist coverage in a single policy. Provides complete protection for your vehicle and others regardless of fault.

Non-Standard Auto Insurance

Policies designed for drivers who cannot obtain coverage from standard carriers due to violations, suspensions, or claims history. Rates are higher but coverage is accessible.

SR-22 Insurance

A Certificate of Financial Responsibility filed by your carrier with the Massachusetts RMV proving continuous coverage. Required after DUI, suspensions, or uninsured violations.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if you're hit by an uninsured or underinsured driver. Massachusetts requires UM coverage matching your liability limits.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders if financing a vehicle.

Find Your City in Massachusetts

Boston

urban

Worcester

urban

Springfield

urban

Cambridge

urban

Lowell

urban

Brockton

urban

Quincy

suburban

Lynn

urban