Massachusetts Car Insurance Minimum

Anyone who operates a vehicle in the state of Massachusetts agrees to follow the state’s insurance laws. Understanding these laws, including the Massachusetts car insurance minimum, is the responsibility of every driver.

This type of insurance provides financial protection for victims hurt due to the actions or mistakes of the policyholder. Here is what you need to know about this type of insurance and your legal requirements. Speak with a Boston car accident attorney about your case today.

What Are Massachusetts Car Insurance Minimums?

Under Massachusetts car insurance laws, all drivers operating a vehicle in the state must maintain at least the following minimum levels of coverage. Consider that these figures were adjusted in July of 2025.

• Bodily injury to others: This type of insurance covers claims that the policyholder caused injury to another person. It covers losses to others. All drivers must have at least $25,000 per person and at least $50,000 if more than one person suffers an injury.
• Personal Injury Protection: Also called PIP coverage, this provides coverage for your medical bills, up to 75% of the lost wages you have, and replacement services up to $8,000. As a no-fault state, PIP is a critical component for the protection of all drivers. PIP pays for your damages and losses, no matter who is at fault.
• Bodily injury caused by uninsured auto: Often called uninsured driver policies, if someone else causes an accident and they do not have insurance, this policy kicks in. You must maintain at least $25,000 per person and $50,000 total for all people injured by the uninsured auto in the incident.
• Damage to someone else’s property: This type of insurance is most commonly referred to as property damage. It will cover damage to another person’s property when you, or a member of your household, causes accidental damage to property. The state requires a minimum purchase of at least $30,000 in coverage.

These are the minimum required auto insurance policies in Massachusetts. If you do not have these coverages and you are in an accident, you could face fines as well as the potential loss of your right to operate a vehicle.

Other Coverage May Be Beneficial to You

Drivers in Massachusetts may want to consider purchasing additional coverage to protect themselves and their family members from accidents and other drivers. There are various ways to do this.

The most common is to purchase more than the minimum amount of coverage. The minimum is just that – the very lowest level that meets the obligations of the state. Most serious accidents will result in damages far exceeding this minimum.

In addition to this, many drivers purchase collision and comprehensive insurance policies. Collision insurance provides compensation to cover the cost of damage you do to your own vehicle. Comprehensive coverage is very different. It covers damage that is caused by unavoidable and accidental incidents, such as weather events, theft, and vandalism. The right type of coverage for you should protect as many of your losses as possible.

Seeking Legal Help After an Accident

If you are hurt in an accident and the driver does not have enough insurance or you did not carry the necessary Massachusetts car insurance minimums, you could face significant financial loss. Reach out to an attorney to discuss your right to compensation and to uncover what legal options may be available to you to improve your claim recovery.