How SDIP Works

Every Mass driver has an SDIP rating. Learn exactly how SDIP affects your car insurance rates, how long surcharges last, and what you can do to lower your premium.

Insurance discounts for great driving

Excellent Driver Discount (SDIP 98)

This discount can be applied to your policy if you’ve been licensed for at least 5 years with a perfect driving record, or if you are not eligible for the Excellent Driver Discount Plus.

You’ll also qualify for this discount if:

  • You have at least 5 years of driving experience.

  • You have exactly 1 surchargeable incident in your 6-year policy experience period.

  • This 1 surchargeable incident is a minor, non-criminal traffic law violation.

  • This 1 surchargeable incident has a surcharge date at least 3 years before your policy's effective date.

Excellent Driver Discount Plus (SDIP 99)

This discount can be applied to your policy if you’ve been licensed for at least 6 years with a perfect driving record.

For more information about surchargeable incidents, visit this page on Mass.gov.

What is the SDIP?

The Massachusetts Safe Driver Insurance Plan (SDIP) assigns a point value to your driving record. This system rewards safe drivers with lower insurance rates and applies surcharges to drivers with accidents or traffic violations.

4 insurance coverages on your policy are subject to the SDIP premium adjustment.

Bodily Injury to Others - Part 1 (Compulsory Coverage)

Personal Injury Protection - Part 2 (Compulsory Coverage)

Damage to Someone Else's Property - Part 4 (Compulsory Coverage)

Collision - Part 7 (Optional Coverage)

How your points are calculated

Depending on your driving record, you may have a perfect SDIP rating of 99. If you’re found at fault in an accident or ticketed for a traffic offense, points are added to your license, which can raise your insurance premium. The number of points depends on the severity of the accident or violation.

Minor Traffic Law Violation - 2 points

Minor At-Fault Accident - 3 points

Major At-Fault Accident - 4 points

Major Traffic Law Violation - 5 points

For more information about how points are assigned to surchargeable incidents, visit this page on Mass.gov.

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Last updated May 2026 | Sourced from Mass.gov | See our disclaimer