120+ more*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on November 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Coverage | Minimum Requirement in Massachusetts |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $30,000 per accident |
| Personal injury protection (PIP) | $8,000 |
| Bodily injury caused by an uninsured auto | $25,000 per person/$50,000 per accident |
Massachusetts requires four types of legal liability and compulsory car insurance coverage. In 2024, Massachusetts drivers faced the first increase in minimum liability coverage in more than 30 years.[1]
Here’s what you should know about each minimum requirement in Massachusetts.
Massachusetts drivers need at least $25,000 per person and $50,000 per accident in bodily injury liability. Those minimums are very common among U.S. states. This coverage protects you from legal liability if you accidentally cause injury or death while driving your vehicle.[2]
Although Massachusetts is a no-fault state, injured parties can try to collect damages for pain and suffering. To qualify, the injured driver must have faced $2,000 or more in medical expenses or have incurred a permanent and serious injury from the accident.[3]
If an injured driver files a claim against you, for example, your insurance might pay up to $25,000 toward medical expenses.
Liability quotes start at $49/mo.
In Massachusetts, all drivers need at least $30,000 per accident in property damage liability coverage. This is one of the highest liability requirements in the U.S. for property damage liability coverage.
If you cause $40,000 in vehicle damage, your minimum coverage policy can pay up to $30,000, possibly leaving you to pay $10,000 out of pocket.
Mandatory uninsured motorist insurance matches Massachusetts’s 25/50 bodily injury liability requirements. UM coverage protects you if an uninsured driver or unidentified hit-and-run driver injures you in a collision.
Fewer than half of U.S. states require UM insurance, though most states that do typically also require underinsured motorist protection. But in Massachusetts, underinsured motorist coverage is an optional car insurance coverage.
Massachusetts is a no-fault state, so you can file a PIP claim with your own insurance company regardless of who caused the accident. Massachusetts requires drivers to carry $8,000 in PIP coverage, which can cover medical expenses, household assistance, and up to 75% of lost wages, minus a deductible if you choose to have one.[4]
About 15 states besides Massachusetts require PIP.
Massachusetts’s minimum car insurance requirements may not adequately cover you in the event of a serious wreck causing damage to another driver or your own car.
It’s a good idea for most Massachusetts drivers to increase liability insurance limits and add comprehensive and collision coverage for vehicle protection.
Here are recommended coverages and limits for Massachusetts drivers.
Recommended Coverage Type | Recommended Coverage Limit |
|---|---|
| Bodily injury liability | $100,000 per person/$300,000 per accident |
| Property damage liability | $100,000 per accident |
| Personal injury protection | $8,000 |
| Uninsured/underinsured motorist | Equal to bodily injury liability amounts |
| Collision | Enough to cover the market value of your vehicle |
| Comprehensive | Enough to cover the market value of your vehicle |
| Medical payments | $5,000 or more |
Massachusetts drivers must maintain continuous compulsory insurance coverage on their registered vehicles. If it lapses, the insurer will notify the Massachusetts Registry of Motor Vehicles, which will cancel your vehicle registration as of the policy’s termination date unless you show proof of insurance within five days.[5]
Although Massachusetts law doesn’t require comprehensive and collision coverage, you’ll still need it if you’re financing or leasing your vehicle. Lenders and leasing companies require it to protect their financial interest in your vehicle.
Massachusetts drivers pay an average of $102 per month for minimum coverage and $138 for a full-coverage policy.
Massachusetts requires drivers to purchase more minimum coverage than some states. Though most states require bodily injury and property damage liability coverage, only about a quarter of states require PIP insurance, and fewer than half require UM insurance.
The PIP and UM requirements in Massachusetts affect rates by increasing the chances that insurers will have to pay claims. Since Massachusetts is a no-fault state, you’ll file a claim with your own insurer, regardless of fault, following a car accident.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| GEICO | $84 |
| USAA | $84 |
| Safeco | $102 |
| Progressive | $115 |
| Liberty Mutual | $125 |
| Bristol West | $163 |
| Travelers | $192 |
| Embark | $209 |
| Amica | $261 |
Massachusetts, like other states, has car insurance laws that regulate the factors insurers can use to calculate your rates. Insurers can’t use your credit information, gender, marital status, age, or homeownership status when determining car insurance premiums.
If you’re unable to find a car insurance company willing to insure you, you may be able to secure coverage through the Massachusetts Auto Insurance Plan (MAIP).[6] An insurance agent can help you find insurance through an assigned insurance company.
You can face stiff penalties in Massachusetts for driving without insurance or for allowing someone to drive your uninsured car. You’ll face higher fines and a longer license suspension if you have a second or subsequent offense within six years of your first offense for driving without insurance.
First offense: Fine of up to $500 and a 60-day license suspension
Subsequent offenses: Fine between $500 and $5,000, one-year license suspension, and up to one year in jail
You should always avoid having a lapse in your auto coverage. Having a lapse in coverage can result in the penalties mentioned above, but it can also lead to increased car insurance premiums when you get coverage again.
Insurify partners with 120+ auto insurers for real quotes
Auto insurers offer many options beyond compulsory coverage. All Massachusetts insurers offer the following optional auto coverages:
Comprehensive insurance pays for covered damage to your car caused by non-collision incidents, like damage from severe weather, hitting an animal, falling debris, or theft. Having this coverage can be a good idea if you live in an area with high deer density, like Nantucket, which has 85 deer per square mile.
Collision coverage can pay to repair or replace your vehicle following damage from a car accident. Consider this coverage, especially if you’re in a highly congested area, such as Boston.
Similar to UM coverage, UIM insurance covers you when the driver who causes your accident doesn’t have enough insurance to pay for your damages.
In Massachusetts, this can cover $5,000 or more in medical and funeral costs beyond your $8,000 PIP coverage limit.
Having an understanding of the car insurance requirements in Massachusetts can help you comply with state laws and avoid unnecessary financial risk. Here’s what you need to know.
Yes. Massachusetts drivers need 25/50/30 liability coverage for bodily injury and property damage, plus personal injury protection (PIP) coverage and uninsured motorist (UM) coverage.
No. Massachusetts doesn’t require comprehensive or collision coverage. But you’ll likely need it if you’re financing or leasing your car. Even if you own your car outright, you might want to add these coverages to protect your car from at-fault accidents and non-collision mishaps.
You don’t necessarily need to insure all household members, but you must disclose all household members who have a driver’s license and anyone who will regularly drive your car.
You might need full coverage if you’re leasing or financing your vehicle. In any event, consider increasing your liability coverage if the minimum limits won’t fully protect your assets after a serious accident.
In Massachusetts, the first offense for driving without insurance is a $500 fine and a 60-day license suspension. For a subsequent offense within six years of the first, drivers face a fine between $500 and $5,000, a one-year license suspension, and up to one year in jail.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
