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Mass car insurance Laws


Massachusetts is one of the most highly regulated states with regards to insurance. They have very specific rules for both consumers and agents. The state requires all drivers to maintain a car insurance policy at all times with certain minimum requirements. Those that drive without insurance risk large fines, lose of their license and registration and possibly time in jail.

Massachusetts insurance law operates under a no-fault system. Specifics can vary from state to state but basically it means that your insurance company is responsible for paying for your damages regardless of fault. Your rights to sue the at fault are limited, but the time to receive insurance benefits is reduced compared with tort states.

Required Coverage

All personal vehicles in Massachusetts require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, Massachusetts requires:

  • Uninusred / Underinsured Motorist Bodily Injury
  • Personal Injury Protection (PIP)
Minimum Massachusetts Car Insurance Requirements Bodily Injury Liability $20, 000 / $40, 000 Limit Property Damage Liability $5, 000 Limit Uninsured/Underinsured Bodily Injury $20, 000 / $40, 000 Limit Personal Injury Protection $8, 000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Comprehensive insurance covers you in the event that your vehicle is damaged in an incident such as a fallen tree damaging your car or if it has been stolen. A list of the most stolen vehicles in Massachusetts can show you if your vehicle is more at risk than others. Collision insurance provides payment for repairs or replacement of your vehicle from damages sustained in an accident.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When registering or renewing your vehicle's registration
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • Fines between $500 - $5, 000 and/or imprisonment of up to 1 year
  • Suspension of your license and/or vehicle's registration

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