Get a quick estimate of the yearly premium increase — and what it adds up to over the full surcharge period — after a Massachusetts at-fault accident. Everything runs in your browser.
Roughly your yearly cost for the compulsory coverages plus collision. A ballpark is fine.
An accident is only surchargeable when the insurer pays a claim of more than $1,000 (excluding your deductible) and you are found more than 50% at fault under the Standards of Fault in 211 CMR 74. If either is not true, the accident should not add SDIP points at all.
| At-fault accident | SDIP points |
|---|---|
| Claim of $1,000 or less | 0 — below the threshold |
| Minor — claim more than $1,000 up to $5,000 | 3 |
| Major — claim over $5,000 | 4 |
For an experienced operator, each point adds roughly 15% to the compulsory coverages (Parts 1, 2, 4) and optional Part 7 Collision, and a surcharge typically attaches for about 6 years of renewals. Actual impact varies by insurer, territory, coverage, and step placement, so this is an estimate, not a quote.
Sources: Mass.gov — SDIP; Mass.gov — Surchargeable incidents; 211 CMR 134.00 and 211 CMR 74.00. Information only — not legal advice and not an insurance quote.