Massachusetts Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

Massachusetts’ car insurance laws require you to purchase a policy with at least 20/40/5 liability limits. Other coverages included in the state’s mandatory minimums are $8,000 worth of personal injury protection and uninsured motorist insurance with at least the same bodily injury limits as your liability coverage. Car insurance is also required to register your car with the DMV. The penalties for driving with no insurance in Massachusetts are numerous. These range from fines and fees to restricted driving privileges and possible jail time.

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What Is the Minimum Car Insurance Requirement in Massachusetts?

In Massachusetts, car insurance is a prerequisite before you register your car. Massachusetts’ car insurance laws state you need to buy several compulsory coverages. These include liability insurance, personal injury protection and uninsured motorist coverage.

A policy meeting Massachusetts’ car insurance requirements includes the following:

  • $20,000 for bodily injury per person
  • $40,000 for bodily injury per accident
  • $5,000 for property damage per accident
  • $8,000 for personal injury protection
  • $20,000 for bodily injury per person from an uninsured motorist
  • $40,000 for bodily injury per accident from an uninsured motorist
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What Does This Minimum Coverage Mean?

If you look through a state minimum insurance policy, you’ll see the liability limits written as 20/40/5. It means your insurance protects you from the cost of medical bills in an at-fault accident up to $40,000 per accident, with a cap of $20,000 per person. It also covers up to $5,000 of expenses from property damage.

Massachusetts’ minimum insurance requirements also include personal injury protection (PIP) — you must have $8,000 worth of coverage. Since Massachusetts is a no-fault state, it means your provider will pay these expenses for you or your passengers regardless of who caused the accident.

Lastly, uninsured motorist insurance (UM) completes Massachusetts’ car insurance requirements. It protects you from medical costs if the other driver is uninsured. It also helps if you were a victim of a hit-and-run. Its minimum limit is similar to your liability coverage of $20,000 per person and $40,000 per accident for bodily injury.

How Much Does the Minimum Car Insurance Cost in Massachusetts?

The average cost of car insurance in Massachusetts is $1,112 per year. When you request a quote using your personal information, you may notice your rate is different. It’s because several factors affect car insurance premiums. These include your age, driving record and ZIP code, among others. Most states use more information when setting policy prices, but Massachusetts prohibits using credit scores to calculate insurance rates.

Another factor that impacts the cost of car insurance in Massachusetts is the provider you choose. Although carriers use the same information, they calculate rates differently. Comparing quotes from several providers can help you find an affordable policy. Among car insurance providers in Massachusetts, State Farm offers the most affordable minimum policy at $323 per year on average.

Cheapest Minimum Liability Car Insurance in Massachusetts

Cheapest Minimum Car Insurance in Massachusetts
  • Company
    Annually
    Monthly
  • 1.
    $323
    $27
  • 2.
    $337
    $28
  • 3.
    $390
    $33
  • 4.
    $401
    $33
  • 5.
    Safety Group
    $405
    $34

These prices are only estimates based on rates for an average Massachusetts driver and should not be used to compare insurance prices.

The table shows the rate for policies meeting Massachusetts’ minimum car insurance requirements of 20/40/5. These also include other mandatory coverages such as PIP coverage worth $8,000 and UM insurance with limits of $40,000 per accident and $20,000 per person for bodily injuries. MoneyGeek used a driver profile of a 40-year-old male with a clean history driving a 2010 Toyota Camry.

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What Is the Minimum Car Insurance Requirement in Massachusetts While Leasing a Car?

A policy fulfilling Massachusetts’ minimum car insurance requirements may not be enough if you’re leasing a car. Leasing companies often require policyholders to carry full coverage car insurance with liability limits of at least 100/300/50. Lenders determine the minimum car insurance requirements for leased cars in Massachusetts, not the state. Understandably, they may require higher-than-usual coverage limits for their assets.

Leasing companies may have varying requirements. The best way to get specific information is to get in touch with your lender directly. You may take this opportunity to also ask about other pertinent details, such as their processes and payment terms.

Although a policy meeting Massachusetts’ minimum car insurance requirements is enough to allow you to drive in the state, MoneyGeek recommends that you purchase a full coverage policy with at least 50/100/50 liability limits. Although it may cost you more each year, it provides more protection and decreases the possibility of paying for expenses out of your pocket should costs exceed the minimum limits.

You can also opt to increase coverage limits for uninsured motorist insurance, although Massachusetts has one of the lowest percentages of uninsured drivers in the country. Only 3.5% of drivers don’t have coverage, making it second-best in this regard among all states. The only state with a lower percentage is New Jersey.

These are all the factors to consider when deciding how much insurance you need.

Penalties for Driving Without Car Insurance in Massachusetts

Driving uninsured is illegal in Massachusetts. Driving with no insurance may result in the following penalties in Massachusetts:

  • A $500 fine for the first offense
  • A fine of $500–5,000 for subsequent offenses
  • An additional $500 in fees to the state’s assigned risk plan
  • An additional $70 in fees if you request a hearing
  • Suspension of your license and registration for 60 days for the first offense and for one year for subsequent offenses
  • A $500 reinstatement fee for each offense
  • Possible jail time of up to one year

Frequently Asked Questions About Car Insurance in Massachusetts

Most drivers have questions about car insurance laws in Massachusetts. Here are the commonly asked ones.

Learn More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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