120+ moreCar insurance requirements vary by state and can influence your auto insurance premium. Even though drivers have to purchase four types of required coverage, car insurance in Massachusetts is relatively cheap. State residents pay $145 per month for full coverage compared to the national monthly average of $184.
It’s crucial to maintain at least the minimum amount of coverage. Failure to do so can result in fines, license suspension, and more. Here’s what you should know about car insurance requirements and average costs in Massachusetts.
An auto insurance policy in Massachusetts must at least include the following types of coverages and minimum limits:1
Bodily injury liability insurance protects you from legal liability if you cause an accident that unintentionally injures or kills someone. The coverage can pay for the other driver’s medical bills, but it doesn’t cover your or your passengers’ injuries.2
It pays for losses only if the accident happens in Massachusetts. Your bodily injury liability policy needs to have coverage limits of at least $20,000 per person and $40,000 per accident.
Property damage liability coverage pays to repair or replace another person’s property if you, a household member, or someone else driving your car causes accidental damage to another person’s vehicle or other property.
Your property damage liability policy needs to have at least $5,000 per accident in coverage limits.
Uninsured motorist bodily injury coverage pays for your injuries if you have an accident with an uninsured driver or are the victim of a hit-and-run. This policy also covers your household members, passengers, and anyone you occasionally allow to drive your car.
The minimum policy limits in Massachusetts for uninsured motorist bodily injury coverage are $20,000 per person and $40,000 per accident.
Personal injury protection (PIP) covers your medical expenses, certain replacement services, and up to 75% of lost wages after a covered incident. Massachusetts is a no-fault state, so PIP protects you regardless of who caused the accident.
It also covers your passengers, household members, other people you let drive your car, and pedestrians. The minimum PIP coverage limit in Massachusetts is $8,000 per accident.
States that require pre-insurance inspections to curb insurance fraud include Florida, Massachusetts, New Jersey, New York, and Rhode Island. CARCO is the main company that creates the inspection reports and sends them to insurers. These inspections can help prevent drivers from filing claims for pre-existing damage.
Each state has its own laws regarding pre-insurance inspections, including how much time you have to get the inspection. Because car sellers usually require you to have insurance before you buy a car, Massachusetts law gives you 10 days to do the inspection. So, you can get car insurance, buy the car, and then get the inspection.2
In Massachusetts, you’ll need to bring your motor vehicle to a designated CARCO inspection site. A professional will document the condition of your vehicle, including its features, accessories, vehicle identification number (VIN), and odometer. The inspector will take pictures and send a copy of the report to your insurer.3
Skipping the inspection could result in a suspension of your physical damage coverage, including collision and comprehensive coverage. You may want to ask an insurance professional about what you should do before you buy a car in Massachusetts because some drivers are exempt from the pre-insurance inspection.
Legally, Massachusetts residents don’t need to buy more than the state-mandated coverage, but most insured drivers in the U.S. choose to buy comprehensive and collision insurance. Specifically, 79% of insured drivers buy comprehensive insurance, and 75% buy collision insurance.4
A full-coverage policy usually includes liability insurance, collision coverage, which pays for your vehicle repairs following an accident, and comprehensive coverage, which kicks in for damages from non-collision events, like vandalism or severe weather. If you finance or lease a vehicle, your lender will likely require you to purchase this coverage.
Even if you’ve paid off your car, you might decide to get full coverage if you think you’d struggle to pay for repairs after an incident. You might also choose to increase your policy limits for the state’s required coverages, including bodily injury and property damage liability, uninsured motorist, and PIP coverage.
Full-coverage car insurance provides you with more protection, but your cheapest option is liability-only coverage. Massachusetts residents pay $94 per month on average for a policy that meets the state’s minimum requirements. For $145 per month on average, drivers can get a full-coverage policy.
Once you buy an insurance policy, you must register the car with the Massachusetts Registry of Motor Vehicles (RMV) and provide proof of insurance. The RMV adds your insurance information to your physical registration card and an electronic database.
You might need to show proof of vehicle registration and insurance to law enforcement in a few scenarios. If law enforcement catches you driving without insurance in Massachusetts, the penalties may include:5
A fine of $500 to $5,000
An additional fee of either $500 or the equivalent of one year’s insurance coverage under the Massachusetts Automobile Insurance Plan (whichever is greater)
A $500 fee to reinstate your driver’s license and registration6
Up to one year in jail
Suspension of driving privileges for at least 60 days and up to one year
The penalties depend on the incident and the number of violations on your record.
Massachusetts requires drivers to carry a minimum amount of liability insurance, including bodily injury liability and property damage liability. These coverages pay for the other driver’s medical costs and damages you cause in a car accident, but liability insurance won’t cover these costs for you or your passengers.
Because of its limitations, liability insurance is generally less expensive than full coverage. In Massachusetts, State Farm has the cheapest liability-only rates, averaging $58 per month.
Here are average monthly liability quotes from several top insurers in the state.
After a covered incident, full-coverage car insurance can help pay for liability costs, repairs to your property, and medical costs for you and your passengers. In Massachusetts, drivers pay an average of $145 per month for full-coverage car insurance.
Here are average monthly quotes from several top insurance companies in the state.
You might want to consider the following coverages for more protection, though they’re optional in Massachusetts: