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Massachusetts Auto Insurance Requirements

In Massachusetts it is required by law that you maintain a minimum bodily injury liability limit of $20,000 per person, $40,000 per accident, and $5,000 for property damage. This coverage is referred to as 20/40/5 with 20/40 UM limits.

Massachusetts Insurance Coverage Minimum Limits:
Bodily Injury $20,000/$40,000 - Property Damage $5,000
Uninsured Motorist Bodily Injury: $20,000/$40,000
Personal Injury Protection: $8,000

Massachusetts maintains a No-Fault Tort system meaning your insurer will pay for your injuries regardless of fault, up to a predetermined amount. Usually, you will fore go some of your rights to sue under a No-Fault Tort system. No-fault tort systems vary by state.

Massachusetts state law requires you to buy Personal Injury Protection (PIP) to pay for medical expenses in the amount of up to $8,000. You are also required to have Uninsured Motorist coverage to protect against damages caused to you and your passengers by an Uninsured driver in the amount of $20,000 per person up to a total of $40,000 per accident for any bodily injury.

When you get a quote with QuoteMatcher.com, our coverage page will give you the option to choose coverages to fit you particular needs, you can customize every limit and deductible. If you are unsure of which particular limits to choose, you always have the option to make changes before you purchase.

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