Massachusetts Auto Insurance Rates & Requirements
Massachusetts requires 25/50/30 liability coverage and is a no-fault state.
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Massachusetts at a Glance
25/50/30
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Massachusetts operates as a tort-based state where at-fault drivers are liable for damages, but also mandates Personal Injury Protection (PIP) for immediate medical coverage regardless of fault. All drivers must carry proof of insurance and display registration documents. The state uses a managed competition system where insurers must file rates with the Massachusetts Division of Insurance, which regulates premium adjustments.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
about $111/mo
Average car insurance spending in Massachusetts
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Massachusetts prohibits insurers from using gender as a rating factor, making it one of seven states where male and female drivers with identical profiles pay the same premium.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredCoverage Types
Liability Insurance
Combines bodily injury and property damage liability to cover harm you cause to others. The 20/40/5 state minimum provides only $65,000 maximum payout per accident — a fraction of what a serious multi-vehicle crash or pedestrian injury costs.
Full Coverage
Bundles liability, collision, comprehensive, and enhanced uninsured/underinsured motorist protection into complete financial protection. Covers your vehicle's repair or replacement plus liability for damage you cause to others.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, fire, hail, flood, and animal strikes. Covers broken windows, catalytic converter theft, and storm damage that collision policies exclude.
Collision Coverage
Covers repair or replacement of your vehicle after hitting another car, object, or rolling over, regardless of who's at fault. Pays the actual cash value minus your deductible even if you caused the accident.
Uninsured/Underinsured Motorist Coverage
Protects you when struck by drivers with no insurance or policy limits too low to cover your injuries and vehicle damage. Functions as backup liability coverage when at-fault parties can't pay.
Personal Injury Protection (PIP)
Mandatory in Massachusetts, PIP covers your medical bills, 75% of lost wages, and replacement services like childcare up to policy limits regardless of fault. Pays before health insurance and protects passengers in your vehicle.