Massachusetts Auto Insurance Coverages

Massachusetts was the pioneer state in requiring vehicle liability insurance in 1925. The vehicle insurance rates in the entire state were established by the Insurance Commissioner until quite recently. This was done under a fixed and established structure. Today, there is scope for competition as car insurers have different premiums.

Vehicle Insurance Requirements in Massachusetts

The State Law requires a minimum car insurance coverage as detailed below:-

  • Personal Injury Protection   – $8,000.
  • Minimum Property Damage Liability – $5,000.
  • Minimum Bodily Injury Liability – $40,000.
  • Uninsured or Underinsured Motorist Bodily Injury – $20,000.

If you live in Massachusetts, it has to be remembered that it is a no-fault state. So, it does not matter who the culprit is in case of an accident; you will have to turn initially to your individual personal injury protection coverage (PIP). The minimum limit is $8,000 and it will cover medical expenses, replacement services and three-fourths of your lost salary/wages.

Your credit status will not be a factor for rating. This information is not used for the purpose of underwriting or rating by the vehicle insurance companies in Massachusetts. This practice is allowed in some other states.

In Massachusetts, it is mandatory to insure a vehicle before it gets registered. A sufficient proof of coverage could be an updated sticker on the license plate or a copy of the registration form if your car is stopped by a law enforcement officer in the state. It is better to carry a hard copy of the insurance card while driving.

Massachusetts has a distinct Lemon Aid law concerning defects that are found in new or leased cars. This law enables the car user to cancel a sale or contract if the car does not pass inspection within a week from the date of sale  and if the estimated repair cost of these safety related or emission defects is more than ten per cent of the buying price. This will apply to both the private party and dealer sales for cars that are bought for personal use.

If you are looking for a reliable car insurance, get an easy auto insurance quote! Plymouth Rock Assurance is based in Boston and has been serving car owners and drivers in Massachusetts and Connecticut with attractive premiums for the past three decades.


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