State guide
Insurance in Massachusetts
Required coverage, penalties, official contacts and sources for Massachusetts, reviewed 2026-10.
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Car insurance
What Massachusetts requires.
Four compulsory coverages: 25/50, $8,000 PIP, 25/50 uninsured, $30,000 property. Claims system: no-fault personal injury protection.
| Coverage | Requirement in Massachusetts |
|---|---|
| Bodily injury liability | Bodily injury to others: $25,000 per person / $50,000 per accident |
| Property damage liability | Damage to someone else's property: $30,000 per accident |
| Injury protection | Personal injury protection (PIP): $8,000 per person |
| Uninsured / underinsured motorist | Bodily injury caused by an uninsured auto: $25,000 per person / $50,000 per accident |
Required coverage
- Bodily injury to others: $25,000 per person and $50,000 per accident
- Bodily injury caused by an uninsured auto: $25,000 per person and $50,000 per accident
- Damage to someone else's property: $30,000 per accident
- Personal injury protection: $8,000 per person
Other coverage commonly available
- Optional bodily injury to others
- Higher limits on bodily injury and uninsured motorist
- Medical payments
- Collision
- Comprehensive
- Auto loan or lease coverage
If you drive without required coverage
Under M.G.L. c. 90, section 34J, operating a motor vehicle without the required liability policy, bond or deposit is punishable by a fine of $500 to $5,000, imprisonment for up to one year in a house of correction, or both. Someone with no prior determination of responsibility or conviction for the offense is subject to a fine of not more than $500. Confirm license and registration consequences with the Registry of Motor Vehicles.
Notices
What to know in Massachusetts.
- The Division of Insurance announced new minimum limits for policies written or renewing on or after July 1, 2025. Older publications still show the previous limits of $20,000 per person, $40,000 per accident and $5,000 for property damage, which are out of date.
- Personal injury protection remains at $8,000 per person.
- The Division's bulletin tells insurers to bring bodily injury, property damage, uninsured and underinsured motorist limits up to the new financial responsibility limits, with a pro-rata premium adjustment for policies that expire on or before June 30, 2026.
- Compulsory coverage is a minimum. Your policy may include optional coverages, and each coverage has its own limits.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Division of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Division of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
Massachusetts Health Connector
Massachusetts Health Connector (state-based marketplace)
- CMS lists Massachusetts as a state-based exchange for plan year 2026. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Massachusetts Division of Insurance
- Website: mass.gov/doi
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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