Massachusetts

Auto Insurance Minimum Requirements

25/50/30

Liability Limits

Yes

No-Fault

$8,000

PIP Minimum

UM Only

Uninsured Motorist

⚡ Recently Changed

Massachusetts's minimum auto insurance requirements changed on 2025-07-01. See details below.

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$30,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredYes — $8,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsNot used

Effective Date2025-07-01

Important Notes

Massachusetts increased its compulsory insurance limits for policies issued or renewed on or after July 1, 2025 (under House Bill 5111/Session Laws), boosting limits from 20/40/5 to 25/50/30. Uses the specific legal phrasing 'Bodily Injury Caused by Uninsured Auto'.

Uninsured / Underinsured Motorist

Mandatory UM minimums increased to 25/50 to mirror the updated bodily injury liability minimums.

Alternatives to Insurance

No public cash/bond alternatives exist for basic private vehicle registration.

Official Source

Massachusetts Division of Insurance

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.