Massachusetts car insurance requirements
Every driver in Massachusetts must carry at least this coverage. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $30,000 per accident |
| Personal injury protection (PIP) | $8,000 per person |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Massachusetts drivers should know
- Massachusetts raised its minimums on July 1, 2025, to $25,000/$50,000 for injuries and $30,000 for property damage.
- Massachusetts is a no-fault state: your PIP pays your first $8,000 of medical costs and lost wages, whoever caused the crash.
Home insurance in Massachusetts
- Coastal homes face hurricanes and nor’easters, and policies near the shore often use separate wind or hurricane deductibles.
- Winter storms, frozen pipes and ice dams cause many claims inland.
Ways to save in Massachusetts
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.