Massachusetts DUI & Violation Insurance Guide
Massachusetts requires 25/50/30 liability coverage and is a no-fault state.
Compare Auto Rates for Senior DriversMassachusetts 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
75
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Massachusetts
Most insurers do not cancel mid-term after a violation—they issue a non-renewal notice for the end of your current policy period. This gives you time to secure replacement coverage, but that window is often just 30–60 days. After certain violations in Massachusetts, the Registry of Motor Vehicles (RMV) typically requires SR-22 filing—a certificate proving you maintain continuous liability coverage—for three to five years. Not all carriers offer SR-22 filing, so you'll likely need to move to a non-standard insurer.
SR-22 Filing
Non-Standard Auto Insurance
High-Risk Auto Insurance
Liability Insurance
Uninsured Motorist Coverage
What Drivers Pay in Massachusetts
$109–$166/mo
Typical monthly rate in Massachusetts, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Prior driving history—a clean record before the violation typically results in lower increases than a pattern of violations
- Age and driving experience—senior drivers over 65 may see higher increases because insurers view the combination of age and recent violation as compounding risk
- Carrier availability—Massachusetts has fewer non-standard carriers than larger states, which can limit competition and keep prices higher
- ZIP code—urban areas like Boston, Worcester, and Springfield typically have higher high-risk rates due to density and accident frequency
- Coverage level—adding comprehensive and collision to a high-risk policy can double your premium compared to liability-only coverage
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Comprehensive coverage for drivers who no longer qualify for standard rates due to DUIs, suspensions, or serious violations. Includes all standard coverage types plus SR-22 filing if required.
Non-Standard Auto Insurance
Policies sold by carriers specializing in high-risk drivers. These insurers accept DUIs, suspensions, and lapses that would disqualify you from most standard carriers.
SR-22 Insurance
Not a separate insurance product—SR-22 is a certificate your insurer files with the state proving continuous coverage. Most standard carriers don't offer it, so you'll likely switch to a non-standard insurer.
Liability Insurance
Coverage for injuries and property damage you cause to others. After a violation, carrying higher limits (100/300/100) protects you from personal liability if you cause a serious accident during your high-risk period.