Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 27, 2020

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Things to remember...

  • Massachusetts drivers are required to buy liability insurance, personal injury protection, and uninsured motorist coverage to comply with local laws
  • Drivers can also buy optional types of auto insurance and increase limits as desired to enjoy greater benefits from their car coverage
  • Massachusetts drivers who are caught driving without the required car insurance in place may receive points on their record and be charged other penalties

Like many other states, there is a requirement that drivers carry at least the minimum auto insurance coverage in Massachusetts. Massachusetts has passed laws that make drivers financially responsible for all expenses and damages they cause to other people while driving their vehicle.

This state also goes a step further and requires its drivers to buy a minimum amount of auto insurance.

The purpose of this insurance requirement is to ensure that each driver has the financial means to pay for at least some of the expenses that he or she may be responsible for.

Massachusetts drivers should spend time learning more about the state’s insurance requirements and should also consider the benefits associated with expanding their coverage beyond the minimum amount of insurance required.

Comparing quotes is the best way to get the most bang for your buck when it comes to auto insurance. Whether you want to just meet the minimum requirements or are looking for higher coverage, enter your ZIP here for auto insurance quotes comparison in Massachusetts made easy.

Massachusetts Minimum Auto Insurance Coverage

According to AAA, most states have some sort of auto insurance requirement. The exception is New Hampshire because there is no minimum required.

Before you make the decision to buy more than the required coverage types and limits per Massachusetts’ law, you need to understand what the minimum requirements are.

Massachusetts minimum car insurance requirements are:

  • $5,000 for property damage liability auto insurance
  • $20,000 per person and $40,000 per accident for bodily injury coverage
  • Uninsured insurance coverage that matches the bodily injury coverage limits
  • $8,000 for personal injury protection

Much of the car insurance cost in Massachusetts is determined by the type of coverage you choose to have. Low coverage costs much less but you get what you pay for. You may not be covered in all situations. High coverage is more costly upfront but can really save you down the road.

Let’s take a look at Massachusetts auto insurance rates. This table shows you the annual average auto insurance in Massachusetts based on the type of coverage.

Massachusetts Average Annual Rates by Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Liberty Mutual$4,057.68$4,394.25$4,561.58
State Farm$1,238.07$1,385.33$1,460.72
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Massachusetts car insurance rates are not that different from low to high coverage. Opting to have full coverage instead of the minimum required will cost you an average of $36 more a month.

Be aware that special situations may require you to purchase different types or amounts of insurance.

For example, if you drive your car for business purposes, how you use the car specifically may indicate the need for additional insurance in some cases.

Drivers who have special circumstances should learn more about Massachusetts insurance laws before making a purchase.

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Penalties for Driving Without Insurance in Massachusetts

When you drive without the proper amount of auto insurance in Massachusetts, you run the risk of having to pay for all accident-related expenses out of your own pocket, and remember that other parties can sue you for damages if you fail to pay. You may also be assessed other penalties, such as:

  • Points added to your driving record, which could result in higher insurance rates or the suspension of your license
  • A monetary fine
  • The potential need for high-risk auto insurance

According to the Insurance Information Institute, about 13 percent of drivers nationwide are uninsured, although Massachusetts only has 6.2 percent of uninsured drivers.

High-risk auto insurance in Massachusetts is not cheap. You can avoid the extra cost just by carrying the minimum car insurance coverage in Massachusetts and driving safely. 

Minimum Requirement vs. Recommended Coverage

While it is important to purchase a Massachusetts car insurance policy that at least complies with the state requirements, you also need to decide if you want to expand your coverage types and limits.

When you buy more insurance than what is legally required in this state, you may decrease the chance of having to pay money out of your own bank account if you are involved in a serious accident.

However, you must decide if paying a higher regular premium amount for enhanced coverage is worthwhile to you.

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How to Read Car Insurance Requirements

If you are trying to figure out what is the cheapest car insurance in Massachusetts, you need to be fully prepared for this process.

A common question that most providers will ask you relates to the types of coverage you want and the limits for each type. Some Massachusetts drivers will opt for the state minimums, but others may expand their coverage beyond these minimums.

Watch this video for explanations of different types of coverages available.

All Massachusetts drivers should be educated about the types of auto coverage available to choose from.

  • Bodily Injury Liability – If you cause injuries to other parties while driving, bodily injury liability insurance pays their medical expenses and other associated costs. Bodily injury liability insurance is legally required by Massachusetts law.
  • Personal Injury Protection (PIP) / Medical Payments – This type of auto coverage may also be called no-fault insurance, and it is designed to pay for your own medical bills and related fees if you are involved in an injury accident. This type of insurance is also a Massachusetts legal requirement, and many companies offer cheap PIP auto insurance.
  • Property Damage Liability – If you damage another person’s vehicle or another type of property in this state, you are required to pay for repairs or a replacement. Property damage liability insurance is required by Massachusetts law, and it gives you the financial means to pay for these expenses.
  • Collision – Buying collision insurance in Massachusetts is not a legal requirement, but your auto lender may have this coverage requirement. Collision insurance offers compensation for your own car’s repair expenses, but it only offers benefits for damage caused by a collision.
  • Comprehensive – Some Massachusetts auto lenders also require drivers to buy comprehensive insurance, but this is not a legally-required type of car insurance. This type of coverage offers benefits for a full range of events, including a collision with an animal, severe weather damage, vehicular crimes, and more.
  • Uninsured and Underinsured Motorist Coverage – Massachusetts drivers also need to buy uninsured or underinsured motorist coverage. This insurance type pays you benefits for your own vehicle repairs, medical costs, and more if you are involved in an accident with an uninsured motorist or a hit-and-run event.

Massachusetts law dictates that you must drive with the proper car coverage types and limits at all times, or you may face significant penalties and consequences.

Be aware that the coverage types and limits required by law may not be enough to pay for all of your expenses if you are in an accident, and you may need to pay for some expenses out of your pocket. You can increase coverage types and limits to reduce the possibility of this happening.

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How to Get Car insurance in Massachusetts

Buying car insurance in Massachusetts is a process that should be repeated regularly. At each renewal, you should shop around to ensure that your current policy is the best one available currently. Getting quotes online is a smart way to save time and energy with this process.

When you are preparing to get new auto insurance quotes in Massachusetts, initially decide how much insurance you want to request quotes for, and determine which leading providers you want to contact for a quote.

The best providers are focused on customer service and are financially secure and stable.

When you spend time gathering online quotes today, you can feel confident that you got a great deal on your auto insurance. Don’t miss out on our free quote tool below! Just enter your ZIP and start comparing quotes from the best car insurance companies in Massachusetts.