Massachusetts car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Massachusetts?

Yes , Massachusetts requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI, UMBI, PIP and Mandatory BI $8,000.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Massachusetts car insurance laws

Massachusetts requires that drivers carry at least 20/40/5.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Massachusetts drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Massachusetts car insurance requirements

Massachusetts requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Massachusetts liability minimums are 20/40/5.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Massachusetts PIP requirements are $8,000.

Uninsured/Underinsured motorist coverage (UM/UIM). Uninsured and underinsured motorist coverageAn auto insurance coverage that pays for injuries or damage if you're in an accident with a driver who has no insurance or not enough insurance. helps pay for your medical costs and property damage if the at-fault driver has little or no car insurance. Your insurer would cover expenses up to your limits in addition to any payments from the other insurer.

Massachusetts requires uninsured motorist coverage of 20/40.

The average cost of a minimum coverage policy is $511. However, State Farm has the lowest minimum car insurance rates, averaging $210.

The table below shows the top insurers' average rates for minimum coverage in Massachusetts.

Company	Average annual premium	Average monthly premium
State Farm	$210	$17
Safety Insurance	$332	$28
Plymouth Rock Assurance	$344	$29
Geico	$453	$38
Farmers	$492	$41
Arbella Insurance	$617	$51
Amica	$627	$52
Allstate	$678	$57
Travelers	$721	$60
Progressive	$789	$66
USAA	$368	$31

Read our methodology

Massachusetts car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $511. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Massachusetts.

The cheapest company for minimum coverage in Massachusetts is State Farm at an average rate of $210 annually.

State minimum coverage limit	20/40/5
Average annual premium	$511
Average monthly premium	$43

Read our methodology

Are the Massachusetts minimum coverage requirements changing in 2025?

Massachusetts car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Massachusetts?

Massachusetts requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Massachusetts drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Massachusetts is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

Uninsured and underinsured motorist coverage is also required. Uninsured motorist coverage helps pay for coverage when the at-fault driver doesn't have car insurance, and underinsured coverage assists when the at-fault driver doesn't have enough car insurance to cover injury and property damage costs. Without these coverages, you would have to pay for medical and repair costs that the other driver's insurance didn't cover. You may be able to opt out of this coverage.

PEOPLE ASK:

Is Massachusetts minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 20/40/5, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Massachusetts?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Massachusetts penalties for driving without car insurance

Since Massachusetts requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Massachusetts car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500
Other penalties	License and registration suspension
Jail time	No

Read our methodology

Massachusetts minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. State Farm has the best rates for teens with minimum coverage averaging $677. State Farm offers the cheapest coverage for adults at $210.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	State Farm	$757	$63
16	Amica	$1,264	$105
16	Plymouth Rock Assurance	$1,388	$116
16	Geico	$1,720	$143
16	Travelers	$1,823	$152
16	Safety Insurance	$2,074	$173
16	Farmers	$2,110	$176
16	Arbella Insurance	$2,144	$179
16	Progressive	$3,171	$264
16	Allstate	$3,344	$279
16	USAA	$1,683	$140
17	State Farm	$757	$63
17	Safety Insurance	$1,054	$88
17	Plymouth Rock Assurance	$1,125	$94
17	Amica	$1,264	$105
17	Travelers	$1,414	$118
17	Geico	$1,513	$126
17	Farmers	$1,881	$157
17	Arbella Insurance	$2,144	$179
17	Progressive	$2,312	$193
17	Allstate	$3,053	$254
17	USAA	$1,069	$89
18	State Farm	$757	$63
18	Plymouth Rock Assurance	$936	$78
18	Safety Insurance	$992	$83
18	Amica	$1,264	$105
18	Travelers	$1,308	$109
18	Geico	$1,383	$115
18	Farmers	$1,806	$151
18	Progressive	$2,069	$172
18	Arbella Insurance	$2,144	$179
18	Allstate	$2,800	$233
18	USAA	$898	$75
19	State Farm	$437	$36
19	Safety Insurance	$630	$53
19	Plymouth Rock Assurance	$756	$63
19	Amica	$800	$67
19	Geico	$844	$70
19	Travelers	$1,125	$94
19	Arbella Insurance	$1,148	$96
19	Farmers	$1,170	$98
19	Allstate	$1,694	$141
19	Progressive	$1,848	$154
19	USAA	$742	$62
20	State Farm	$437	$36
20	Safety Insurance	$578	$48
20	Plymouth Rock Assurance	$662	$55
20	Geico	$797	$66
20	Amica	$800	$67
20	Farmers	$1,064	$89
20	Travelers	$1,064	$89
20	Arbella Insurance	$1,148	$96
20	Progressive	$1,594	$133
20	Allstate	$1,685	$140
20	USAA	$662	$55
21	State Farm	$408	$34
21	Safety Insurance	$557	$46
21	Plymouth Rock Assurance	$574	$48
21	Geico	$736	$61
21	Amica	$800	$67
21	Farmers	$1,012	$84
21	Travelers	$1,057	$88
21	Arbella Insurance	$1,148	$96
21	Progressive	$1,346	$112
21	Allstate	$1,360	$113
21	USAA	$507	$42
22	State Farm	$210	$18
22	Safety Insurance	$395	$33
22	Plymouth Rock Assurance	$466	$39
22	Geico	$540	$45
22	Farmers	$579	$48
22	Arbella Insurance	$647	$54
22	Amica	$669	$56
22	Allstate	$780	$65
22	Travelers	$1,027	$86
22	Progressive	$1,265	$105
22	USAA	$452	$38
23	State Farm	$210	$18
23	Safety Insurance	$390	$33
23	Plymouth Rock Assurance	$453	$38
23	Geico	$523	$44
23	Farmers	$579	$48
23	Arbella Insurance	$632	$53
23	Amica	$662	$55
23	Allstate	$780	$65
23	Travelers	$1,002	$84
23	Progressive	$1,047	$87
23	USAA	$435	$36
24	State Farm	$210	$18
24	Safety Insurance	$385	$32
24	Plymouth Rock Assurance	$446	$37
24	Geico	$509	$42
24	Farmers	$579	$48
24	Arbella Insurance	$632	$53
24	Travelers	$639	$53
24	Amica	$655	$55
24	Allstate	$780	$65
24	Progressive	$1,020	$85
24	USAA	$418	$35
25	State Farm	$210	$18
25	Safety Insurance	$382	$32
25	Plymouth Rock Assurance	$427	$36
25	Geico	$497	$41
25	Farmers	$579	$48
25	Arbella Insurance	$632	$53
25	Amica	$638	$53
25	Travelers	$751	$63
25	Allstate	$761	$63
25	Progressive	$866	$72
25	USAA	$404	$34
30	State Farm	$210	$18
30	Safety Insurance	$353	$29
30	Plymouth Rock Assurance	$398	$33
30	Geico	$470	$39
30	Farmers	$538	$45
30	Amica	$629	$52
30	Arbella Insurance	$632	$53
30	Travelers	$715	$60
30	Allstate	$719	$60
30	Progressive	$795	$66
30	USAA	$377	$31
35	State Farm	$210	$18
35	Safety Insurance	$330	$28
35	Plymouth Rock Assurance	$358	$30
35	Geico	$461	$38
35	Farmers	$497	$41
35	Arbella Insurance	$617	$51
35	Amica	$629	$52
35	Allstate	$682	$57
35	Travelers	$714	$60
35	Progressive	$785	$65
35	USAA	$371	$31
40	State Farm	$210	$18
40	Safety Insurance	$332	$28
40	Plymouth Rock Assurance	$344	$29
40	Geico	$453	$38
40	Farmers	$492	$41
40	Arbella Insurance	$617	$51
40	Amica	$627	$52
40	Allstate	$678	$57
40	Travelers	$721	$60
40	Progressive	$789	$66
40	USAA	$368	$31
45	State Farm	$210	$18
45	Plymouth Rock Assurance	$327	$27
45	Safety Insurance	$329	$27
45	Geico	$442	$37
45	Farmers	$487	$41
45	Arbella Insurance	$617	$51
45	Amica	$627	$52
45	Allstate	$678	$57
45	Travelers	$696	$58
45	Progressive	$786	$66
45	USAA	$367	$31
50	State Farm	$210	$18
50	Plymouth Rock Assurance	$315	$26
50	Safety Insurance	$321	$27
50	Geico	$427	$36
50	Farmers	$481	$40
50	Arbella Insurance	$617	$51
50	Amica	$627	$52
50	Travelers	$665	$55
50	Allstate	$676	$56
50	Progressive	$770	$64
50	USAA	$358	$30
55	State Farm	$210	$18
55	Safety Insurance	$304	$25
55	Plymouth Rock Assurance	$311	$26
55	Geico	$415	$35
55	Farmers	$466	$39
55	Arbella Insurance	$617	$51
55	Amica	$623	$52
55	Travelers	$639	$53
55	Allstate	$675	$56
55	Progressive	$762	$64
55	USAA	$359	$30
60	State Farm	$210	$18
60	Safety Insurance	$308	$26
60	Plymouth Rock Assurance	$316	$26
60	Geico	$415	$35
60	Farmers	$466	$39
60	Arbella Insurance	$617	$51
60	Amica	$623	$52
60	Travelers	$660	$55
60	Allstate	$675	$56
60	Progressive	$766	$64
60	USAA	$362	$30
65	State Farm	$159	$13
65	Safety Insurance	$280	$23
65	Geico	$316	$26
65	Plymouth Rock Assurance	$331	$28
65	Farmers	$425	$35
65	Arbella Insurance	$467	$39
65	Allstate	$520	$43
65	Travelers	$562	$47
65	Amica	$623	$52
65	Progressive	$692	$58
65	USAA	$295	$25
70	State Farm	$159	$13
70	Safety Insurance	$293	$24
70	Geico	$356	$30
70	Plymouth Rock Assurance	$377	$31
70	Farmers	$425	$35
70	Arbella Insurance	$490	$41
70	Allstate	$521	$43
70	Amica	$629	$52
70	Travelers	$645	$54
70	Progressive	$695	$58
70	USAA	$313	$26
75	State Farm	$159	$13
75	Safety Insurance	$304	$25
75	Geico	$433	$36
75	Farmers	$436	$36
75	Plymouth Rock Assurance	$451	$38
75	Arbella Insurance	$490	$41
75	Allstate	$528	$44
75	Amica	$629	$52
75	Travelers	$728	$61
75	Progressive	$759	$63
75	USAA	$348	$29

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	State Farm	$757	$63
16	Amica	$1,264	$105
16	Plymouth Rock Assurance	$1,388	$116
16	Geico	$1,720	$143
16	Travelers	$1,823	$152
16	Safety Insurance	$2,063	$172
16	Farmers	$2,015	$168
16	Arbella Insurance	$2,144	$179
16	Progressive	$3,141	$262
16	Allstate	$3,237	$270
16	USAA	$1,683	$140
17	State Farm	$757	$63
17	Safety Insurance	$1,054	$88
17	Plymouth Rock Assurance	$1,125	$94
17	Amica	$1,264	$105
17	Travelers	$1,414	$118
17	Geico	$1,513	$126
17	Farmers	$1,881	$157
17	Arbella Insurance	$2,144	$179
17	Progressive	$2,304	$192
17	Allstate	$2,797	$233
17	USAA	$1,069	$89
18	State Farm	$757	$63
18	Plymouth Rock Assurance	$936	$78
18	Safety Insurance	$992	$83
18	Amica	$1,264	$105
18	Travelers	$1,308	$109
18	Geico	$1,383	$115
18	Farmers	$1,806	$151
18	Progressive	$2,062	$172
18	Arbella Insurance	$2,144	$179
18	Allstate	$2,467	$206
18	USAA	$898	$75
19	State Farm	$437	$36
19	Safety Insurance	$630	$53
19	Plymouth Rock Assurance	$756	$63
19	Amica	$800	$67
19	Geico	$844	$70
19	Travelers	$1,125	$94
19	Arbella Insurance	$1,148	$96
19	Farmers	$1,170	$98
19	Allstate	$1,683	$140
19	Progressive	$1,832	$153
19	USAA	$742	$62
20	State Farm	$437	$36
20	Safety Insurance	$578	$48
20	Plymouth Rock Assurance	$662	$55
20	Geico	$797	$66
20	Amica	$800	$67
20	Farmers	$1,064	$89
20	Travelers	$1,064	$89
20	Arbella Insurance	$1,148	$96
20	Progressive	$1,589	$132
20	Allstate	$1,624	$135
20	USAA	$662	$55
21	State Farm	$408	$34
21	Safety Insurance	$557	$46
21	Plymouth Rock Assurance	$574	$48
21	Geico	$736	$61
21	Amica	$788	$66
21	Farmers	$1,012	$84
21	Travelers	$1,057	$88
21	Arbella Insurance	$1,148	$96
21	Progressive	$1,342	$112
21	Allstate	$1,322	$110
21	USAA	$507	$42
22	State Farm	$210	$18
22	Safety Insurance	$395	$33
22	Plymouth Rock Assurance	$466	$39
22	Geico	$540	$45
22	Farmers	$579	$48
22	Arbella Insurance	$647	$54
22	Amica	$669	$56
22	Allstate	$780	$65
22	Travelers	$1,027	$86
22	Progressive	$1,262	$105
22	USAA	$452	$38
23	State Farm	$210	$18
23	Safety Insurance	$390	$33
23	Plymouth Rock Assurance	$453	$38
23	Geico	$523	$44
23	Farmers	$579	$48
23	Arbella Insurance	$632	$53
23	Amica	$660	$55
23	Allstate	$776	$65
23	Travelers	$1,002	$84
23	Progressive	$1,047	$87
23	USAA	$435	$36
24	State Farm	$210	$18
24	Safety Insurance	$385	$32
24	Plymouth Rock Assurance	$446	$37
24	Geico	$509	$42
24	Farmers	$579	$48
24	Arbella Insurance	$632	$53
24	Travelers	$639	$53
24	Amica	$653	$54
24	Allstate	$770	$64
24	Progressive	$1,015	$85
24	USAA	$418	$35
25	State Farm	$210	$18
25	Safety Insurance	$382	$32
25	Plymouth Rock Assurance	$427	$36
25	Geico	$497	$41
25	Farmers	$579	$48
25	Arbella Insurance	$632	$53
25	Amica	$638	$53
25	Travelers	$751	$63
25	Allstate	$756	$63
25	Progressive	$862	$72
25	USAA	$404	$34
30	State Farm	$210	$18
30	Safety Insurance	$353	$29
30	Plymouth Rock Assurance	$398	$33
30	Geico	$470	$39
30	Farmers	$532	$44
30	Amica	$629	$52
30	Arbella Insurance	$632	$53
30	Travelers	$715	$60
30	Allstate	$718	$60
30	Progressive	$793	$66
30	USAA	$377	$31
35	State Farm	$210	$18
35	Safety Insurance	$330	$28
35	Plymouth Rock Assurance	$358	$30
35	Geico	$461	$38
35	Farmers	$497	$41
35	Arbella Insurance	$617	$51
35	Amica	$629	$52
35	Allstate	$678	$57
35	Travelers	$714	$60
35	Progressive	$785	$65
35	USAA	$371	$31
40	State Farm	$210	$18
40	Safety Insurance	$332	$28
40	Plymouth Rock Assurance	$344	$29
40	Geico	$453	$38
40	Farmers	$492	$41
40	Arbella Insurance	$617	$51
40	Amica	$627	$52
40	Allstate	$678	$57
40	Travelers	$721	$60
40	Progressive	$789	$66
40	USAA	$368	$31
45	State Farm	$210	$18
45	Plymouth Rock Assurance	$327	$27
45	Safety Insurance	$329	$27
45	Geico	$442	$37
45	Farmers	$487	$41
45	Arbella Insurance	$617	$51
45	Amica	$627	$52
45	Allstate	$678	$57
45	Travelers	$696	$58
45	Progressive	$785	$65
45	USAA	$367	$31
50	State Farm	$210	$18
50	Plymouth Rock Assurance	$315	$26
50	Safety Insurance	$321	$27
50	Geico	$427	$36
50	Farmers	$481	$40
50	Arbella Insurance	$617	$51
50	Amica	$627	$52
50	Travelers	$665	$55
50	Allstate	$676	$56
50	Progressive	$770	$64
50	USAA	$358	$30
55	State Farm	$210	$18
55	Safety Insurance	$304	$25
55	Plymouth Rock Assurance	$311	$26
55	Geico	$415	$35
55	Farmers	$466	$39
55	Arbella Insurance	$617	$51
55	Amica	$623	$52
55	Travelers	$639	$53
55	Allstate	$675	$56
55	Progressive	$762	$64
55	USAA	$359	$30
60	State Farm	$210	$18
60	Safety Insurance	$308	$26
60	Plymouth Rock Assurance	$316	$26
60	Geico	$415	$35
60	Farmers	$466	$39
60	Arbella Insurance	$617	$51
60	Amica	$623	$52
60	Travelers	$660	$55
60	Allstate	$675	$56
60	Progressive	$766	$64
60	USAA	$362	$30
65	State Farm	$159	$13
65	Safety Insurance	$280	$23
65	Geico	$316	$26
65	Plymouth Rock Assurance	$331	$28
65	Farmers	$425	$35
65	Arbella Insurance	$467	$39
65	Allstate	$521	$43
65	Travelers	$562	$47
65	Amica	$624	$52
65	Progressive	$692	$58
65	USAA	$295	$25
70	State Farm	$159	$13
70	Safety Insurance	$293	$24
70	Geico	$356	$30
70	Plymouth Rock Assurance	$377	$31
70	Farmers	$425	$35
70	Arbella Insurance	$490	$41
70	Allstate	$525	$44
70	Amica	$629	$52
70	Travelers	$645	$54
70	Progressive	$695	$58
70	USAA	$313	$26
75	State Farm	$159	$13
75	Safety Insurance	$304	$25
75	Geico	$433	$36
75	Farmers	$436	$36
75	Plymouth Rock Assurance	$451	$38
75	Arbella Insurance	$490	$41
75	Allstate	$528	$44
75	Amica	$629	$52
75	Travelers	$728	$61
75	Progressive	$759	$63
75	USAA	$348	$29

Read our methodology

Massachusetts minimum coverage cost by city

Cambridge drivers pay the least for minimum coverage in Massachusetts at $564. However, Brockton pay the most at $894.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Massachusetts.

City	Average annual premium	Average monthly premium
Cambridge	$564	$47
Boston	$593	$49
Quincy	$630	$52
Lowell	$634	$53
Worcester	$645	$54
New Bedford	$682	$57
Fall River	$689	$57
Lynn	$763	$64
Springfield	$818	$68
Brockton	$894	$75

Read our methodology

Optional car insurance coverage in Massachusetts

Massachusetts requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Massachusetts car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Massachusetts?

Yes, Massachusetts requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI, UMBI, PIP and Mandatory BI $8,000.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Massachusetts?

If you're caught driving without car insurance in Massachusetts, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.