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FAQs About Massachusetts Car Insurance
Low-income drivers can benefit from seeking the state’s minimum insurance requirements. Other ways to save on car insurance include purchasing an older vehicle and calling your agent to learn of any discounts. Note, any discounts require that your account remains in good standing for a number of years. Some discounts are tenure-based, while others are performance-based.
It can be difficult to get, but the short answer is that some insurers will issue car insurance to someone who does not have a valid driver’s license. Most insurers will require a valid driver’s license. You cannot legally drive without a driver’s license in Massachusetts, but you can purchase car insurance for someone else who is legally able to drive in Massachusetts.
There is a push underway in the Massachusetts Legislature to make it legal for undocumented immigrants to get a driver’s license. Part of the reason for this is to relieve crowding on public transportation during the pandemic. The state would also realize more revenue if it chooses to let undocumented people get a driver’s license.
At any rate, it’s recommended that undocumented workers begin the process to become legal residents.
Yes, Massachusetts drivers with a DUI on record can still obtain auto insurance. Massachusetts is one of a few states that does not require an SR-22 proof of insurance after a DUI conviction. However, if you have an issue in another state, even if you are a resident of Massachusetts, you may need to file SR-22 form there since Massachusetts does share information with other DMVs nationwide.
There are stiff penalties in Massachusetts, even for a first-time DUI offense. Repeat convicted offenders are required to install an ignition interlock. Expect to face possible jail time on top of a suspension of driving privileges for varying lengths of time depending on age and number of offenses. You will be required to attend a defensive driving course and you will pay substantial fees and fines. A DUI conviction remains on your record forever.