2016 Nissan Maxima 3.5 Sr Midnight

Winslow Arizona , Car Insurance Writer

@winslow_arizona • 07/30/21 This answer was first published on 02/06/20 and it was last updated on 07/30/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

An SR-22 in Massachusetts is a certificate proving that a high-risk driver has the legal requirements for car insurance in Massachusetts. So-called SR-22 insurance raises annual car insurance premiums by roughly $22 in Massachusetts, compared to standard rates. In addition, there's usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.

Your SR-22 must be maintained with Massachusetts's licensing agency for 3 years, according to Massachusetts law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.

What You Need to Know About SR-22 Insurance in Massachusetts:

Who Needs SR-22 Insurance in Massachusetts? Massachusetts requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.

How Much Does SR-22 Insurance Raise Premiums in Massachusetts? An SR-22 in Massachusetts increases car insurance costs by approximately $22. That is roughly 4% more than the average Massachusetts resident pays for car insurance.

What is Minimum SR-22 Car Insurance Coverage in Massachusetts : Drivers need at least $20,000 in bodily injury liability insurance per person ($40,000 per accident) plus $5,000 in property damage liability insurance. Drivers also need at least $20,000 per person ($40,000 per accident) in uninsured motorist coverage and $8,000 in personal injury protection coverage.

How to File SR-22 Documentation in Massachusetts : Your insurance company will file the SR-22 certificate with the state for you. For the next 3 years, you need to keep your insurance policy active with no lapse in coverage.

Summary: SR-22 Insurance in Massachusetts

SR22 Needed After	Serious traffic violation and/or license suspension
Required For	3 years
Average Cost Increase	$22
Min. Bodily Injury Liability Coverage	$20,000 per person / $40,000 per accident
Min. Property Damage Liability Coverage	$5,000
Additional Coverage Needed	$20,000 per person / $40,000 per accident in uninsured motorist coverage $8,000 in PIP

Answer Question

Massachusetts SR-22 Insurance Cost by Company

Insurer	Average Car Insurance Cost	Average SR-22 Car Insurance Cost
State Farm	$321	$354
Geico	$523	$548
Allstate	$714	$750
Progressive	$1,065	$1,230

The effect of an SR-22 on the cost of insurance is only temporary, though. In Massachusetts, drivers only need to have their SR-22 on file for 1-5 years, depending on which state they were convicted in. After that, the driver's premium will start to go back down, assuming they drive responsibly.

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How can I get cheap high-risk auto insurance in Massachusetts?

High-risk auto insurance in Massachusetts will not be cheap, as premiums for high-risk policies in the state average $1,727 per year. That's about 53% more than the average cost of car insurance in Massachusetts overall. Nevertheless, high-risk drivers in Massachusetts should still be able to find suitable car insurance options after comparison shopping. … read full answer

Drivers defined as high-risk typically have a history of serious driving violations and face higher rates because they are statistically more likely to cost insurers more than the average driver. For this reason, many insurance companies won't even sell coverage to high-risk drivers. However, other insurers specialize in high-risk coverage, so drivers with a checkered record have options.

The best high-risk auto insurance companies in Massachusetts are Allstate, Geico, Progressive because they are financially strong and have few customer complaints. Deficiencies in either area could be a sign you'll have a hard time getting payouts if you need to file a claim. Some of the most common complaints about car insurance companies concern denials, low settlements, and delays in processing claims. These companies also tend to be among the most affordable in Massachusetts for high-risk drivers, but you should always shop around to compare rates.

Company	Allstate	Geico	Progressive
Average Driver Annual Premium	$1,773	$859	$1,009
Average High-Risk Annual Premium	$2,713	$1,314	$1,544
Complaint Ratio (NAIC)	.89	1.21	NA
Strength Rating (AM Best)	A+	A++	A+

Pro Tip: Look for an insurer with at least an "A" grade for financial stability and a complaint score close to or below the national median of 1.

How much more high-risk drivers pay for auto insurance in Massachusetts depends on why they are classified as high-risk. Your combination of risk factors determines how much more you'll pay for high-risk auto insurance in Massachusetts. Car insurance companies decide if you are a high-risk driver based heavily on driving factors like accidents, speeding tickets, reckless driving, racing, and DUI/DWI.

For example, Massachusetts drivers with two accidents in their claims history see their rates jump by an average of 121%. If you're convicted of a DUI, you'll see an increase of about 67%. And if you're caught going more than 20 MPH over the speed limit, expect your rates to go up by about 23%, on average.

Non-driving factors like your age, location, insurance history, credit score, and vehicle can also affect how much more high-risk auto insurance costs in Massachusetts. If you get caught driving without insurance, the coverage lapse alone could raise your premium by about 27%. If you have no credit, you can expect to pay about 0% more than drivers with excellent scores.

In other words, your individual combination of risk factors determines how much more you specifically will pay for high-risk auto insurance in Massachusetts.

Comparison shop. The best way to get affordable car insurance is to compare rates from at least three insurance companies. In Massachusetts, the most expensive policies are around $1,757, and the least expensive cost about $851. That means drivers could save as much as $906 simply by comparing quotes. At a minimum, check rates three and five years after a traffic violation to get a lower rate when it falls off your record.

Avoid filing claims. Claims can dramatically increase your premium. In Massachusetts, the average collision claim raised rates $765. Before filing a claim, calculate whether the cost of the damage exceeds your deductible plus future premium surcharges.

Have a practical car or go car-free. Some vehicles are more expensive to insure than others. Your car's make, model, year, safety features, and price tag all impact how much you'll pay. Consider a practical vehicle that's more affordable to insure if you're already high-risk. If the premium is still more than you can afford, you could switch to non-owner car insurance or go car-free for a while.

Drive safely. The easiest way to avoid traffic violations is to obey traffic laws and drive safely. You can't undo the past, but you can make good choices now. Focus on keeping a clean driving record and consider a driver safety course to potentially lower your premiums right away.

If you've been denied coverage from traditional insurers, look into Massachusetts's assigned risk program . With assigned risk insurance, drivers who cannot get accepted normally are assigned to insurance companies that collectively pool together to take the risk of insuring them. It's a last resort, and you'll have to prove that you've tried and failed to get insurance multiple times to qualify.

In the end, the need for high-risk car insurance is a temporary situation. Serious violations like DUIs are on your record for 10 years in Massachusetts, but most violations fall off your record within three to five years. No matter how long it takes, your high-risk status will eventually change with time if you can prove you're a safe and responsible driver again.

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How does car insurance work in Massachusetts?

Massachusetts is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).

Drivers in Massachusetts are required to carry at least $20,000 in … read full answerbodily injury liability insurance per person, up to $40,000 per accident, and $5,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver's expenses.

On average, state minimum coverage costs $550 per year in Massachusetts, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Massachusetts law is optional, but it's usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn't protect your personal vehicle. For insurance to pay for damage to your car, you'll need full coverage.

In Massachusetts, full coverage refers to a policy that includes collision and comprehensive , plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $1,335 per year in Massachusetts. There may be cases when you don't need full coverage insurance , but Massachusetts drivers should buy as much coverage as they can afford as a general rule.

Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Massachusetts balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Geico, Allstate, Amica Mutual and The Hanover online or over the phone, or use WalletHub's comparison tools to find the best car insurance policy for your needs.

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2016 Nissan Maxima 3.5 Sr Midnight