Car Insurance in Massachusetts
Massachusetts raised its minimum liability limits to 25/50/30 — the first increase since 1988. As a no-fault state, it also requires $8,000 in personal injury protection (PIP), which pays your medical costs after a crash regardless of fault.
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Massachusetts at a glance
Data as of 2023Average cost
$1,326/yr
≈ $111/mo
vs U.S. average
+3%
above the national avg of $1,282/yr
Required minimums
25/50/30
+ $8K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Massachusetts raised its minimum liability limits to 25/50/30 — the first increase since 1988. As a no-fault state, it also requires $8,000 in personal injury protection (PIP), which pays your medical costs after a crash regardless of fault.
Massachusetts also requires uninsured motorist coverage. Because rates vary between carriers, comparing quotes is the best way to meet the requirements affordably.
Massachusetts minimum car insurance requirements
Massachusetts requires $25,000 of bodily injury liability per person, $50,000 per accident, $30,000 in property damage liability, and $8,000 in PIP, plus uninsured motorist coverage. These minimums rose recently, so comparing carriers helps manage the cost.
Increased to 25/50/30 (up from 20/40/5) — the first increase since 1988. PIP remains at $8,000. Massachusetts is a no-fault state.
How much does car insurance cost in Massachusetts?
The average driver in Massachusetts pays $1,326 per year for auto insurance — that's 3% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Massachusetts vs the national average
3% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Massachusetts premiums have changed since 2019
Auto insurance costs in Massachusetts have risen 12% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Massachusetts vs national average
Massachusetts is up 12% from $1,183 in 2019 to $1,326 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Massachusetts policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Massachusetts
Driving uninsured in Massachusetts can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Massachusetts
Rates for the same driver can vary widely between insurers in Massachusetts, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Massachusetts car insurance FAQs
Common questions about auto insurance in Massachusetts
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