Auto Insurance Minimum Requirements
Massachusetts requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $30,000 for property damage — commonly written as 25/50/30. Massachusetts is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $8,000.
⚡ Recently Changed
Massachusetts's minimum auto insurance requirements changed on 2025-07-01. See details below.
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.
Fine
$500–$5,000
License / Registration
Suspension: Yes (60 days)
SR-22 Required After
No
What is the minimum car insurance required in Massachusetts?
Massachusetts requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $30,000 for property damage. This is written as 25/50/30 coverage.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Massachusetts?
Yes. Massachusetts requires uninsured motorist (UM) coverage. Mandatory UM minimums increased to 25/50 to mirror the updated bodily injury liability minimums.
What happens if I drive without insurance in Massachusetts?
Driving without insurance in Massachusetts can result in fines of $500–$5,000 and license/registration suspension (Yes (60 days)).
Do I need an SR-22 in Massachusetts?
SR-22 filings are not commonly required in Massachusetts unless specifically ordered by a court.
What does 25/50/30 mean in Massachusetts?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $30,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Massachusetts Division of Insurance
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.