Massachusetts Minimum Auto Insurance Requirements (2024)

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. 

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.