Massachusetts Auto Insurance Guide
Massachusetts drivers face a mix of crowded city traffic, coastal weather and winter road conditions, so the right auto insurance can help protect your finances when the unexpected happens.
Whether you commute in Greater Boston, head to the Cape or drive through the Berkshires, understanding Massachusetts car insurance requirements can help you choose coverage that best fits your needs.
Amica offers customized Massachusetts car insurance quotes that let you tailor your coverage with dependable protection and personalized service.
What auto insurance is required?
In Massachusetts, drivers are required to carry several types of auto insurance at minimum limits set by the state.
Massachusetts minimum liability coverage limits
| Coverage type | Minimum limit in Massachusetts | What it helps cover |
|---|---|---|
| Bodily injury liability* | $25,000 per person / $50,000 per accident1 | Injuries you cause to others in an accident in Massachusetts |
| Property damage liability | $30,000 per accident | Damage you cause to another person’s vehicle or property |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident | Injuries if an uninsured driver causes the accident |
*It’s important to note that the state-mandated minimum bodily injury liability coverage only applies to accidents that occur within Massachusetts. To have coverage for bodily injury liability outside of Massachusetts, you need to purchase additional optional coverage.
It's important to understand that these are just the minimum requirements, and Massachusetts drivers may choose higher coverage limits for added protection. Learn more by learning how much car insurance you need.
Additional coverages to consider
Beyond the required coverages, many Massachusetts drivers add optional protection to help cover their own vehicle, transportation needs after a loss and broader accident-related costs.
| Coverage | Required in Massachusetts? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered crash, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, vandalism or falling objects |
| Medical payments coverage | No | May help cover medical expenses for you and your passengers after a covered accident |
| Personal injury protection (PIP) | No | May help with medical bills, lost wages and other related costs after a covered accident |
| Uninsured/underinsured motorist bodily injury coverage | No | May help if the at-fault driver has no insurance or not enough insurance |
| Rental reimbursement | No | May help with transportation costs while your vehicle is being repaired after a covered loss |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside problems |
How Massachusetts drivers can customize coverage
After reviewing required and optional coverages, many Massachusetts drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your needs and budget.
- Essential
May appeal to drivers looking for foundational protection without many added features. - Advantage
May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection. - Signature
May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Massachusetts?
Massachusetts auto insurance rates can vary based on a range of personal and local factors.
- Driving history: Accidents, claims and traffic violations can raise premiums.
- Vehicle type: The make, model, safety features, repair costs and theft risk of your car can affect pricing.
- Coverage choices: Higher limits and optional coverages usually increase premiums.
- Location: Claim patterns, traffic density and repair costs in your area may influence rates.
- Weather and seasonal conditions: Winter storms, coastal weather and other severe events can affect claim frequency and pricing.
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Massachusetts drivers.1
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved Advanced Driver Training may help some drivers save.
- Annual Mileage discount: If you drive fewer than a certain number of miles per year, you may qualify for a lower premium.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Driving facts to keep in mind
- For everyone’s safety, the law requires uninjured drivers involved in an accident to move their vehicles to a safe location to prevent additional crashes.2
- Under the Massachusetts Vulnerable Road User Law, drivers must allow a minimum of four feet of space when passing vulnerable road users, like pedestrians or bicyclists.2
- Using handheld devices while driving is prohibited in Massachusetts for all drivers. It’s also not allowed to pull over to the side of a highway or road to use a mobile device.2
How to get auto insurance in Massachusetts
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs:
Start with Massachusetts’ required liability limits, then think about whether you want higher limits or optional protections for your vehicle, medical costs or roadside issues. - Look for savings opportunities:
Eligible discounts, bundling and payment options may all affect your final premium. - Get a quote:
You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a car insurance policy that best matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Massachusetts
Yes. Massachusetts is a no-fault state, which means PIP may help cover certain medical expenses and lost wages after an accident regardless of fault.
Massachusetts requires minimum bodily injury liability, property damage liability, uninsured motorist bodily injury and personal injury protection coverage.
The minimum liability limits are $25,000 per person and $50,000 per accident for bodily injury, plus $30,000 per accident for property damage.
That depends on your vehicle, finances and risk tolerance. Many drivers choose more than the state minimum for broader protection.
Rates vary based on your driving record, vehicle, location and coverage choices. Getting a personalized quote is the best way to estimate your cost.
1Discounts not available in all states and may vary.
2Massachusetts Driver’s Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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