Massachusetts Car Insurance

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Massachusetts Car Insurance Coverage Information

In Massachusetts you are legally required to have these minimum coverages:

Liability

Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident
Property Damage $5,000 per accident

Personal Injury Protection

$8,000 per person

Uninsured/Underinsured Motorist

Bodily Injury $20,000 per person
Bodily Injury $40,000 per accident


Liability coverage is legally required in Massachusetts and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Massachusetts, the minimum coverage is listed as 20/40/5 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In Massachusetts, the minimum PIP coverage limit is $8,000 per person.

Uninsured/Underinsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In Massachusetts, the minimum is listed as 20/40 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Most people opt for higher amounts of auto insurance coverage than the Massachusetts minimum in order to protect themselves in case of an accident.

Did you know this about the Bay State?

Massachusetts is ranked #51 in the US for uninsured drivers
You can use digital insurance cards in Massachusetts
Licensed drivers
68%
Uninsured drivers
18%
Population
318m

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