Massachusetts Auto Insurance Rates & Requirements

Pays for injuries you cause to others in an at-fault accident. The 20/40 state minimum is often insufficient — a serious injury can generate medical bills and lost wages exceeding $100,000. Massachusetts courts allow tort claims for serious injuries despite the no-fault system, making higher liability limits critical for protecting assets.

Covers damage you cause to another person's vehicle or property. The $5,000 minimum is among the lowest in the nation and will not cover total loss of most vehicles — the average car repair after a significant collision runs $4,000–$8,000. Most drivers should carry at least $25,000 to avoid out-of-pocket exposure.

Covers your medical expenses, lost wages, and replacement services regardless of fault — the foundation of Massachusetts's no-fault system. PIP applies to you and your passengers and pays immediately without waiting for fault determination. The $8,000 minimum may exhaust quickly with emergency room visits, ambulance transport, and follow-up care, so many drivers opt for $50,000 or higher limits.

Protects you when hit by a driver with no insurance or insufficient coverage. Despite Massachusetts's low uninsured rate of approximately 3.5%, the state still mandates this coverage because even rare uninsured collisions can result in catastrophic financial harm. This coverage also applies to hit-and-run accidents where the at-fault driver flees.

Pays for damage to your vehicle after a collision with another car or object, regardless of fault. While optional under state law, collision is typically required by lenders if you finance or lease a vehicle. Massachusetts drivers face dense traffic in metro areas like Boston and Worcester, where fender-benders and parking lot incidents occur frequently, making this coverage particularly valuable.

Covers non-collision damage to your vehicle — theft, vandalism, weather, animal strikes, and falling objects. Massachusetts experiences harsh winters with heavy snow, ice storms, and road salt corrosion, plus elevated vehicle theft rates in urban centers. Comprehensive is optional by law but essential for protecting your investment against the state's environmental and crime risks.

Includes only state-mandated 20/40/5 liability, $8,000 PIP, and 20/40 uninsured motorist. Provides legal compliance but leaves significant financial exposure for property damage and serious injuries.

Raises liability to 100/300/50, increases PIP to $25,000, and adds collision and comprehensive with $500–$1,000 deductibles. Balances affordability with meaningful protection for most drivers.

Includes 250/500/100 liability, $50,000 PIP, uninsured/underinsured motorist at 250/500, and comprehensive/collision with lower deductibles. Protects assets and provides maximum financial security after serious accidents.

Covers bodily injury and property damage you cause to others. Massachusetts's 20/40/5 minimum is often insufficient — serious accidents routinely exceed $100,000 in medical costs and vehicle damage combined.

Combines liability, collision, comprehensive, PIP, and uninsured motorist into one package. Protects both your legal obligation to others and your own vehicle and medical costs.

Pays for non-collision damage including theft, vandalism, weather events, and animal strikes. Covers repair or replacement minus your deductible.

Covers damage to your vehicle after a collision with another car or object, regardless of who caused the accident. Required by lenders on financed vehicles.

Required at 20/40 minimum in Massachusetts. Protects you when hit by a driver with no insurance or insufficient coverage, plus hit-and-run accidents.

Mandatory $8,000 minimum in Massachusetts. Covers your medical bills, lost wages, and replacement services immediately after an accident, regardless of fault.