Massachusetts Car Insurance Requirements

The state of Massachusetts follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit.


The state minimums for Massachusetts drivers are as follows:

  • Part One: Bodily injury to others―Minimum $20,000 per person, $40,000 per accident
  • Part Two: Personal injury protection―Pays up to $8,000 to you, passengers, pedestrians, or anyone you allow to drive your vehicle
  • Part Three: Bodily injury caused by an uninsured auto―Minimum $20,000 per person, $40,000 per
  • Part Four: Damage to someone else’s property―Minimum $5,000 for property damage

Proof of Insurance:

Your insurance company will provide you with proof of insurance. You risk a traffic citation if you fail to carry insurance.

For more information:

Massachusetts Registry of Motor Vehicles

630 Washington Street

Boston, MA