Minimum Car Insurance in Massachusetts
The liability limits Massachusetts requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: For policies issued or renewed on or after July 1, 2025, Massachusetts compulsory bodily injury liability coverage must be at least $25,000 per person and $50,000 per accident (raised from $20,000/$40,000), and property damage liability must be at least $30,000 per accident (raised from… Mass. Acts 2024, c. 275, §§1-4; M.G.L. c. 90, §34O; M.G.L. c. 90, §34M; M.G.L. c. 175, §113L
| Minimum coverage required | For policies issued or renewed on or after July 1, 2025, Massachusetts compulsory bodily injury liability coverage must be at least $25,000 per person and $50,000 per accident (raised from $20,000/$40,000), and property damage liability must be at least $30,000 per accident (raised from $5,000), i.e. 25/50/30. Every policy must also include personal injury protection (PIP) and uninsured motorist coverage at no less than the bodily injury liability limits. A motor vehicle liability bond or deposit may be used in place of a policy. Property damage: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section34O |
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| At-fault or no-fault | Massachusetts is a no-fault state for injuries: every auto policy must provide personal injury protection (PIP) benefits, which are paid in place of damages otherwise recoverable in tort. Policyholders may choose a PIP deductible ($100 to $8,000) for themselves and household members. An injured person may sue for pain and suffering only if reasonable and necessary medical expenses exceed $2,000, or the injury causes death, loss of a body member, permanent and serious disfigurement, certain loss of sight or hearing, or a fracture. Tort threshold: https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleII/Chapter231/Section6D |
| Uninsured motorist coverage | Uninsured motorist coverage is required: no auto policy may be issued for a Massachusetts-registered vehicle unless it covers bodily injury caused by uninsured and hit-and-run drivers in at least the amounts required for bodily injury liability. Underinsured motorist coverage (when the at-fault driver's limits are lower than your UM limits) is optional; the policyholder must be notified that it may be purchased. The 2024 law raised the minimum for bodily injury caused by an uninsured auto to 25/50 together with liability limits (Acts 2024, c. 275). Source: M.G.L. c. 175, §113L(1)-(2) |
More Massachusetts car insurance & vehicle laws
- Driving Without Insurance in Massachusetts
- SR-22 Insurance in Massachusetts
- When a Car Is a Total Loss in Massachusetts
- Transferring a Car Title in Massachusetts
- All Massachusetts car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Massachusetts?
For policies issued or renewed on or after July 1, 2025, Massachusetts compulsory bodily injury liability coverage must be at least $25,000 per person and $50,000 per accident (raised from $20,000/$40,000), and property damage liability must be at least $30,000 per accident (raised from $5,000), i.e. 25/50/30. Every policy must also include personal injury protection (PIP) and uninsured motorist coverage at no less than the bodily injury liability limits. A motor vehicle liability bond or deposit may be used in place of a policy.
Is Massachusetts a no-fault car insurance state?
Massachusetts is a no-fault state for injuries: every auto policy must provide personal injury protection (PIP) benefits, which are paid in place of damages otherwise recoverable in tort. Policyholders may choose a PIP deductible ($100 to $8,000) for themselves and household members. An injured person may sue for pain and suffering only if reasonable and necessary medical expenses exceed $2,000, or the injury causes death, loss of a body member, permanent and serious disfigurement, certain loss of sight or hearing, or a fracture.
Is uninsured motorist coverage required in Massachusetts?
Uninsured motorist coverage is required: no auto policy may be issued for a Massachusetts-registered vehicle unless it covers bodily injury caused by uninsured and hit-and-run drivers in at least the amounts required for bodily injury liability. Underinsured motorist coverage (when the at-fault driver's limits are lower than your UM limits) is optional; the policyholder must be notified that it may be purchased.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.