Massachusetts Minimum Auto Insurance Requirements (2024)
Massachusetts minimum auto insurance requirements include 20/40/5 in liability, $8,000 in PIP, and 20/40 in uninsured motorist coverage. However, many drivers need more coverage. Learn if the minimum Massachusetts auto insurance coverage is enough for you.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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In most states, you’ll need to meet the minimum amount of auto insurance required before registering your car. Massachusetts is no exception. However, Massachusetts minimum auto insurance requirements may not offer enough coverage.
If you recently moved to Massachusetts or are buying a vehicle in the state, make sure you understand the car insurance coverage you need to comply with the auto insurance laws. Read on to learn more about the minimum auto insurance requirements in Massachusetts.
Massachusetts Auto Insurance Minimum Requirements
Massachusetts requires four types of car insurance coverage:
- Bodily injury liability coverage: $20,000 per person/$40,000 per accident
- Property damage liability coverage: $5,000 per accident
- Personal injury protection (PIP): $8,000 per person, per accident
- Uninsured motorist coverage: $20,000 per person/$40,000 per accident
Before you register or drive your car in Massachusetts, you need to purchase an auto insurance policy with at least this amount of coverage.
Let’s take a closer look at the different types of insurance you need in Massachusetts. You might also want to review average car insurance costs in Massachusetts before you start shopping around.
Liability Insurance in Massachusetts
Liability insurance pays for damages to other vehicles or drivers when you are at fault in an accident. It does not cover your own injuries or damages.
Bodily injury liability coverage pays for injuries to other drivers and passengers, while property damage liability pays for damage to another person’s property, including repairs to other vehicles.. In Massachusetts, you need both types of liability coverage.
Personal Injury Protection (PIP) in Massachusetts
Massachusetts is a no-fault state, which means your own auto insurance policy covers your injuries even if another driver was at fault in the accident.
In a no-fault state, you don’t have to wait to determine fault in an accident before insurance kicks in. Your PIP coverage will pay for your medical treatments immediately following an accident.
PIP covers hospital bills and medical expenses. Some policies also cover recovery costs and even loss of wages during your recovery.
Uninsured Motorist Coverage in Massachusetts
Even though most states require drivers to purchase a car insurance policy, that doesn’t mean every driver you encounter will be properly insured. Uninsured motorist coverage helps pay for damages you are legally entitled to collect if you are injured in an accident involving an uninsured motorist or a hit-and-run event.
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Massachusetts Minimum Auto Insurance May Not Be Enough
The minimum requirements for auto insurance in Massachusetts will cover the costs of injuries and damage to the property of others. It will also cover injuries for you and your passengers if you’re involved in an accident, up to your policy limits.
However, if you only purchase the minimum amount of auto insurance in Massachusetts, you won’t be covered for damage to your car from weather events or accidents that only involve your vehicle. You’ll also have to pay out of pocket for any damages or injuries that exceed your coverage amounts.
The required coverage for bodily injury liability and personal injury protection may be sufficient for many Massachusetts drivers. However, the property damage liability requirement is only $5,000, which is quite low. Increasing your property damage liability coverage can be a wise idea if you can afford the higher premiums.
Other Types of Auto Insurance in Massachusetts
You can increase your Massachusetts car insurance protection by adding different types of coverage to your policy.
Comprehensive insurance covers any kind of physical damage that isn’t caused by an accident with another vehicle. It will pay for damages caused by weather, hitting an animal, and even theft or vandalism.
Collision insurance adds more protection after accidents. If you crash into a building or stationary object, collision coverage steps in to pay for the damages.
Check with your insurance company to see what other types of auto insurance coverage you can get in Massachusetts. You may be able to add coverage for things like medical bills, rental cars, or other assistance for your vehicle.
When you add more coverage to your car insurance policy, you’ll pay higher premiums each month. But you won’t have to worry about an unexpected accident resulting in high out-of-pocket costs for damages to your car.
Driving Without Auto Insurance in Massachusetts
You are required to have proof of insurance to register a car in Massachusetts. If you don’t have the minimum required coverage, you could face a fine of up to $5,000 or even license suspension.
Plus, if you’re uninsured, you’ll have to pay out of pocket for any injuries or damages if you’re involved in an accident.
You are better off buying the cheapest insurance available in Massachusetts rather than driving without any insurance at all.
The Bottom Line on Massachusetts Auto Insurance
The minimum requirements set by the Massachusetts car insurance laws provide nominal coverage for bodily injuries, but you’ll likely want to purchase more protection for damage to your vehicle.
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Without a car insurance policy in Massachusetts, you’ll face fines, license suspension, and high out-of-pocket costs for accidents. Make sure to get multiple MA car insurance quotes before choosing a policy so you know you’re getting the best deal possible.
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Frequently Asked Questions
What is Massachusetts minimum auto insurance?
Massachusetts minimum auto insurance refers to the mandatory insurance coverage required by law for all vehicles registered and operated in the state. It includes specific minimum coverage limits for bodily injury, personal injury protection (PIP), uninsured motorist coverage, and property damage.
What are the minimum coverage requirements for bodily injury in Massachusetts?
The minimum bodily injury coverage required in Massachusetts is $20,000 per person and $40,000 per accident. This coverage provides financial protection if you are found at fault for injuries caused to others in an accident.
What is Personal Injury Protection (PIP) coverage in Massachusetts?
Personal Injury Protection (PIP) coverage in Massachusetts is mandatory and provides coverage for medical expenses, lost wages, and other accident-related expenses regardless of fault. The minimum PIP coverage limit in Massachusetts is $8,000 per person, per accident.
What is the minimum uninsured motorist coverage requirement in Massachusetts?
In Massachusetts, drivers must have uninsured motorist coverage with minimum limits matching their bodily injury liability coverage. This coverage protects you if you are involved in an accident caused by an uninsured or underinsured driver.
What is the minimum property damage coverage requirement in Massachusetts?
The minimum property damage coverage required in Massachusetts is $5,000. This coverage pays for damage caused to someone else’s property if you are found at fault in an accident.
Are the minimum auto insurance requirements in Massachusetts sufficient?
While the minimum auto insurance requirements in Massachusetts meet the legal obligations, they may not provide comprehensive coverage in certain situations. It’s essential to carefully evaluate your coverage needs and consider additional coverages beyond the minimum requirements to ensure adequate protection.
Can I purchase higher coverage limits than the minimum requirements in Massachusetts?
Yes, you can choose to purchase auto insurance coverage with higher limits than the minimum requirements in Massachusetts. Higher coverage limits offer increased financial protection and can be tailored to your specific needs and risk tolerance. Discuss your options with an insurance agent or company to determine the appropriate coverage for you.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.