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Safe Driver Insurance Plan (SDIP) is a program that encourages safe driving with lower premiums for drivers who do not cause accidents or commit traffic violations and by ensuring that high-risk drivers pay a greater share of insurance costs.

Ways to save under the SDIP:

  • Drivers with no at-fault accidents or moving violations will have zero surcharge points.
  • Drivers with at least 5 years of clean driving will receive a considerable discount.
  • No surcharge points will be assigned to any surchargeable incident in the sixth (oldest) year of the policy experience period.
  • No surcharge points are assigned to the first non-criminal minor traffic violation in the 5 years immediately preceding the effective date of your policy.
  • Even if your driving record contains surcharge points, 3 years of clean driving could lead to reductions in surcharges.
  • Drivers new to Massachusetts may be eligible to get credit for their safe driving in other jurisdictions.

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