Merit Rating Board

What We Do

The Merit Rating Board (MRB) maintains operator driving records consisting of traffic law violations, at-fault and comprehensive insurance claim records, and out-of-state driving records. Our primary mission is to maintain and update individual driving records and to report this information to Massachusetts auto insurers and other government agencies involved in transportation and public safety. The MRB also administers the Safe Driver Insurance Plan (SDIP).

What You Need to Know

In Massachusetts auto insurers may offer different prices for different insurance packages. Insurers may use the point-based system of the SDIP or develop their own merit rating plan to determine discounts for safe drivers and surcharges for drivers with at-fault accidents and traffic violations.

Please explore our website to find out more about driving records, surchargeable incidents, the Merit Rating Board and the Safe Driver Insurance Plan (SDIP).