What are the minimum auto insurance requirements in Massachusetts?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
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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.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed