Massachusetts auto insurance regulates under a “no-fault” system, which requires every driver to cover their own medical expenses in the event of an accident.  Since Massachusetts is a no-fault state, it requires Personal Injury Protection insurance.  In the event of an accident, PIP covers medical expenses, lost wages, and even funeral expenses.  If a person has adequate health care coverage, they may choose to opt for the lowest amount of PIP coverage.  There is always an exception with a no-fault policy, if the injuries or accident is severe enough.  This is why liability coverage is also required.  Liability coverage will help pay for damages to vehicles involved in the accident as well as medical expenses for the driver of the car and passengers involved.  Massachusetts also requires Bodily Injury Protection insurance and also Uninsured Motorist Protection.  This will help pay for costs in the result of an accident with an uninsured person or someone who can not pay for the damages.

Q: “What is the minimum amount of auto insurance coverage that I need in Massachusetts?”

Massachusetts’ minimum liabilty coverage is known as 20/40/5.  The means that the minimum amount of coverage is $20,000 for any personal injury, $40,000 to cover all passengers involved, and $5,000 for any property damage that might have occurred.  In Massachusetts, you will also need the minimum amount of PIP coverage, which is $8,000 in coverage.  The minimum amount for Bodily Injury is $20,000 and for Uninsured Motorist insurance it is 20/40/5 as well.

Compare Massachusetts Car Insurance Rates Online

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Current Providers in Massachusetts

For More Information

Massachusetts Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
Phone: (617) 521-7794