Massachusetts Car Insurance Minimum Requirements
Massachusetts requires at least 25/50/30 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $30,000 for property damage.
- Shorthand
- 25/50/30
Was 20/40/5 until July 1, 2025. A policy issued or last renewed before that date could carry the old limits until its next renewal.
- Bodily injury — per person
- $25,000
Raised from $20,000 for policies issued or renewed on or after July 1, 2025 (Acts 2024, c. 275).
- Bodily injury — per accident
- $50,000
Raised from $40,000 for policies issued or renewed on or after July 1, 2025 (Acts 2024, c. 275).
- Property damage
- $30,000
Raised from $5,000 for policies issued or renewed on or after July 1, 2025 (Acts 2024, c. 275). Many guides still list the old $5,000 figure.
- Uninsured / underinsured motorist
- Uninsured motorist required; underinsured optional
Every policy on a Massachusetts-registered vehicle must include uninsured motorist bodily injury coverage at the same limits required for liability. Underinsured motorist coverage is optional — the policyholder must be told it can be purchased.
- Personal injury protection (PIP)
- Required (Personal Injury Protection)
Massachusetts is a no-fault state. Every motor vehicle liability policy must include personal injury protection, paid without regard to fault. The policyholder may buy a PIP deductible ($100 up to $8,000) that applies to the policyholder and household members.
- PIP minimum limit
- $8,000
At least $8,000 per person for medical and funeral expenses, 75% of average weekly wage, and replacement services, incurred within two years of the accident. PIP pays no more than $2,000 of medical expenses that health insurance covers.
Massachusetts sets $30,000 — higher than 49 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.
How Massachusetts compares with every other state
What these numbers buy you
Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.
The $30,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 1 state on this site sets a higher one. Whatever the repair or replacement actually costs above $30,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.
None of this is what Massachusetts drivers actually spend. The average premium written per insured vehicle here was $520 in 2023, 8th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.
Carrying the minimum is legal, not safe. It is the line below which Massachusetts will not let you drive — and the penalties for falling under it are on the driving uninsured page.
Common questions
Is uninsured motorist coverage required in Massachusetts?
Uninsured motorist required; underinsured optional.
Is PIP required in Massachusetts?
Required (Personal Injury Protection).
Is full coverage required in Massachusetts?
No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Massachusetts law requires. A lender or leasing company will usually require them until the car is paid off.
Every statute cited for Massachusetts
What changed
July 1, 2025
Minimum liability limits raised from 20/40/5 to 25/50/30
Acts of 2024, chapter 275 raised the compulsory bodily injury limits from $20,000/$40,000 to $25,000/$50,000 and the property damage limit from $5,000 to $30,000, for policies issued or renewed on or after July 1, 2025. Uninsured motorist coverage follows the bodily injury limits, so it rose too. Guides that still quote 20/40/5 for Massachusetts are out of date.
Massachusetts General Court — Acts of 2024, Chapter 275
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- Fifteen Thousand Dollars, or Two Hundred and Fifty ThousandThe legal minimum for injuring one person in a crash ranges from $15,000 in Pennsylvania to $250,000 in Michigan — and in Florida there is no bodily injury requirement at all.
More on Massachusetts
Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.