Massachusetts Auto Insurance

Massachusetts auto insurance regulations require several types of coverage. Make sure you understand what you're paying for.

This guide:

  • Explains Massachusetts auto insurance laws and requirements

  • Describes how Massachusetts car insurance rates are set

  • Shows you how to save money with multiple quotes

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Massachusetts auto insurance laws

Massachusetts is a no fault state, which means that every driver must carry personal injury protection (PIP) coverage. In the event of an accident this policy provides for some of the holder's expenses, regardless of who was at fault in the accident.

In Massachusetts, the required PIP coverage is $8,000 per person, although some drivers may choose to lower their premium by applying a deductible to the coverage. No fault laws eliminate your right to sue the other driver for damages unless he cost of injuries exceeds your coverage.

Massachusetts auto insurance laws also require standard liability coverage, in the amount of 20/40/5. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $5,000 for any damage that you cause to the other driver's car and/or property.).

Finally, Massachusetts auto insurance laws require uninsured motorist bodily injury coverage. The minimums on their coverage are 20/40, ($25,000 per person injured, up to $50,000 total). This policy helps cover the cost of your injuries should you be in an accident with a driver without liability insurance.

Massachusetts auto insurance companies will also offer optional coverages such as medical payments, collision and comprehensive.

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As a Massachusetts resident, you may consider yourself lucky: your state's laws are set up in such a way that many insurers must provide all applicants with coverage, regardless of credit and/or driving records.

How Massachusetts car insurance rates are set

For better or for worse, the price of Massachusetts auto insurance is decided by the behavior of the state's drivers as a whole. Massachusetts auto insurance companies take the cost of providing insurance for Massachusetts drivers (this includes settlements and legal fees) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Massachusetts auto insurance policy. And you don't have to change a thing.

Fortunately,shopping around is easy to do online because one good service will give you several competing quotes.

Where you can get Massachusetts auto insurance quotes

Unfortunately, due to legal restrictions, very few companies offer online insurance quotes in Massachusetts.

The one we recommend, Netquote works best because it allows you to receive many quotes from agents in your area who will likely represent several companies, thus still allowing you to compare quotes.

Get a quote from Netquote.


To help speed up the process, you may wish to have some of the information needed for an online quote ready before you begin.

More Mass car insurance help

If you want more help designing your Mass auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about Mass auto insurance laws and regulations, visit the state's official website of the Massachusetts Division of Insurance. Or read our short guide to no fault auto insurance.

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