What are the minimum auto insurance requirements in Massachusetts?
Short answer: Massachusetts requires every auto policy to carry four compulsory coverages: bodily injury to others, personal injury protection (PIP), bodily injury caused by an uninsured auto, and damage to someone else's property.
The state sets specific minimum limits for each — for example, $20,000 per person and $40,000 per accident for bodily injury to others, and $8,000 in PIP. Those minimums are widely considered low relative to the cost of a serious accident, which is why many drivers buy higher liability limits and add optional coverages like collision and comprehensive. Confirm current required limits with a licensed agent, as they can change.
