How long will the surcharge stay on my Massachusetts insurance policy?

How long will I have to keep paying for an accident? I was in an accident last year in Boston. Ever since, my insurance policy has been really high. I know the accident was my fault.

Answer provided by
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Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Massachusetts has one of the more complex surcharge policies in the country.
Any accident or ticket will be part of your insurance history and will be underwritten for six years.
If you stay incident free for the first three years, the surcharge will start to decrease and will fall off after the fifth year.
If there is another accident during this time frame, your policy will be surcharged in full for five years.
While most carriers in MA follow this rule, it doesn’t mean your rate will be the same with every insurance company. I
f you are unhappy with your current rate, try shopping for new car insurance quotes online.
Give the free insurance app Jerry a try! Jerry shops with over 45+ carriers to make sure you are always getting the best price.”
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