Massachusetts car insurance: minimums, prices and your estimate
Massachusetts requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $30,000 of property damage liability (written 25/50/30).
Massachusetts is a no-fault state where every policy includes at least $8,000 of personal injury protection per person, and insurers may not use your credit, sex or marital status to set your rate.
Since July 1, 2025, new and renewing policies must carry at least 25/50/30, up from 20/40/5, and required uninsured motorist coverage rose to 25/50 from 20/40.
- Legal minimum
- 25/50/30 + $8k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $8,000 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Optional
- Credit-based pricing
- Not allowed as a rating factor
- Gender-based pricing
- Not allowed
- High-risk proof filing
- Check with the RMV
What drivers in Massachusetts can expect to pay
Monthly ranges from our model, anchored to Massachusetts's position in 7 published price studies from 2025 and 2026 ($2,283 a year for full coverage and $730 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $163-$217 | $2,283 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $53-$69 | $730 |
| Young driver, full coverage20, own policy, clean record | $304-$457 | $4,566 |
| Senior, full coverage70, clean record | $123-$163 | $1,712 |
| After one at-fault accident35, full coverage | $246-$325 | $3,425 |
| After a DUI35, full coverage | $286-$429 | $4,292 |
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Rules worth knowing in Massachusetts
- When your health insurance pays, personal injury protection covers no more than $2,000 of your medical bills.
- You can sue another driver for pain and suffering only if your medical bills exceed $2,000 or you have one of the serious injuries listed in state law.
- Uninsured motorist coverage for injuries is required at 25/50. Underinsured motorist coverage is optional, and your insurer must tell you it is available.
- Insurers cannot use credit information, including credit-based insurance scores, to set your rate or to refuse to issue or renew your policy.
- Insurers cannot group drivers by sex, marital status or age for pricing, except that drivers 65 and older who qualify for the lowest-rated class get rates 25% lower.
- If you are told you need an SR-22 or other proof-of-insurance filing, Massachusetts sets how long you must keep it, so check with the Registry of Motor Vehicles (RMV).
Questions about Massachusetts car insurance
What is the minimum car insurance in Massachusetts?
Massachusetts requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $30,000 of property damage liability (written 25/50/30).
How much is car insurance in Massachusetts per month?
For a 35-year-old with a clean record, our model puts full coverage at about $163 to $217 a month and state-minimum coverage at about $53 to $69. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Massachusetts a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Massachusetts use my credit score?
No. Massachusetts does not allow credit-based insurance scores in car insurance pricing.
Do I need an SR-22 in Massachusetts?
Only if a court or the state requires one, usually after a serious violation or a lapse. If you are told you need an SR-22 or other proof-of-insurance filing, Massachusetts sets how long you must keep it, so check with the Registry of Motor Vehicles (RMV).