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Q

If you live in Massachusetts but Rhode Island is requiring you to have SR-22 insurance for a year because of an old accident, will you be able to get this insurance?


A

You will be able to get the Massachusetts car insurance policy you need and the SR-22 filed in Rhode Island as that state mandates, however it can be difficult to find an insurer that does this for you so you will have to shop around.

While many states mandate a SR-22 filing for a variety of reasons, the Commonwealth of Massachusetts does not require the SR-22 at all. This is the reason why it is difficult to get your car insurance policy in MA as a resident here but get a SR-22 filed in another state that does require it, such as Rhode Island.

We contacted the MA Department of Insurance for consumer advice on how you can get a SR-22 for RI. This state insurance regulator agreed with us that it can be particularly difficult in MA to obtain in a SR-22 since most of their auto insurance carriers do not regularly write them.

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They suggested that you contact an insurance carrier which writes throughout the country rather than just in Massachusetts such as Progressive or GEICO as those carriers are more likely to write SR22's. We do work with Progressive and they do write SR-22 policies for other states with the higher limit of the two being required.

Rhode Island state law requires minimum Bodily Injury Liability limits of $25,000 per person and $50,000 per accident, and Property Damage Liability coverage of $25,000. Uninsured/Underinsured Motorist Bodily Injury coverage of $25,000 per person and $50,000 per accident is also required. This basic coverage is often referred to as 25/50/25 coverage with 25/50 UM limits.

In comparison Massachusetts requires Liability coverages with limits of 20/40/5 and Uninsured Motorist with limits of 20/40. In your situation, you will need to get a Massachusetts auto insurance policy but with the higher limits that Rhode Island will require (25/50/25 plus UM of 25/50) to comply with the requirements for the SR-22 certificate of financial responsibility filing in RI.

CarInsurance.com can help you obtain personal auto insurance for Massachusetts. We offer multiple company insurance rates for car insurance and the ability to purchase from one place. With your situation you likely will have to contact an insurance company directly, such as Progressive, after receiving your quote to discuss the filing of the SR-22 in Rhode Island.


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