Massachusetts car insurance: requirements & free quotes
Massachusetts raised its compulsory limits to 25/50/30 for policies written or renewed on or after July 1, 2025. It is a no-fault state, so PIP and uninsured motorist coverage are required on every policy.
Minimum coverage in Massachusetts
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$30,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $30,000 per accident
Personal injury protection (PIP) $8,000
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/30 + PIP 8,000 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Massachusetts
- Optional bodily injury coverage above the compulsory limits is worth considering in dense Boston-area traffic.
- Ask about discounts for completing a driver-training program or for a clean record.
- Comprehensive coverage helps with nor'easter and winter storm damage.
- Compare quotes, since Massachusetts insurers set their own competitive rates.
We connect drivers across Massachusetts
Including Boston, Worcester, Springfield, Cambridge and Lowell — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Massachusetts car insurance FAQ
Yes. Massachusetts is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.