Massachusetts doesn't require SR-22 or FR-44 forms, so it can be hard to get one from a car insurance company here. If you live in Massachusetts but need to get one in another state to get your license back, you'll usually need to get a car insurance policy in that state.
Why is it hard to get an SR-22 or FR-44 in Massachusetts?
Most states require an SR-22 or FR-44 to reinstate a suspended license. However, Massachusetts doesn't have this requirement. That means that most insurance carriers' staff and insurance agency staff are relatively unfamiliar with SR-22s or FR-44s.
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Can I get an SR-22 on a Massachusetts auto policy and send that to the state that suspended my license?
Probably not. Even if you can find an insurance company that will issue an SR-22 on a Massachusetts policy when you have a suspended license in another state, the state that suspended your license probably won't accept it. Often, that state's DMV will require an in-state insurance policy to activate your license. Check with them before you buy insurance so you can be sure.
Can I get an SR-22 on my Massachusetts policy if I have a Massachusetts license?
Yes! This is a rare situation, but it can happen if you are stopped by the police outside of Massachusetts and aren't insured at the time. In this case, Massachusetts auto insurers are required to issue you an SR-22. From what we hear from customers, though, you may need to call around a bit to find someone who is familiar with the process.
Can I get an SR-22 if I don't own a car?
Yes, you can. You just need to buy a non owner auto insurance policy, which is driving insurance specifically for people who don't own cars. It'll cost you about 1/3 of what regular car insurance costs.
So, if I need car insurance in a state I don't live in to get my license reinstated so I can transfer my license to Massachusetts, what do I do?
Assuming you've checked with the DMV in your license state and you do need an in state policy, the best thing to do is usually to buy a non owner policy using a legal address in that state, get your license reinstated, then transfer it to Massachusetts. Note that if you have a car in Massachusetts during this period, you do need to insure the car as well.
If you'd like to read more about non owned car insurance, check out our guide to everything you need to know about non owner auto insurance.