Massachusetts minimum car insurance requirements by ZIP
Massachusetts requires four compulsory auto coverages before a car can be registered. For policies issued or renewed on or after July 1, 2025, bodily injury to others is $25,000 for one person and $50,000 for one accident, property damage is $30,000 for one accident, personal injury protection is $8,000 for one person, and uninsured-motorist bodily injury uses the same $25,000 / $50,000 amounts. Those limits are statewide. The ZIP where the car is garaged still determines which companies offer a quote.
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Start with the ZIP where the vehicle is garaged overnight, then line up the four compulsory coverages and any optional parts.
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Massachusetts compulsory bodily injury and property damage
Massachusetts General Laws chapter 90, section 34A, as amended by chapter 275 of the Acts of 2024, defines a motor vehicle liability policy. The policy limit is not less than $25,000 on account of injury to or death of any one person and, subject to that one-person limit, not less than $50,000 on account of any one accident resulting in injury to or death of more than one person. The same section excludes a guest occupant of the insured vehicle from that compulsory bodily injury part. Section 34O of chapter 90, as amended by the same act, requires the insurer to pay damage because of injury to or destruction of property of others, subject to a limit of not less than $30,000 in any one accident. Sections 1 through 3 of the act apply to motor vehicle liability policies issued or renewed on or after July 1, 2025.
The Massachusetts Division of Insurance states the same figures in Filing Guidance Notice 2025-A and on its consumer page for auto insurance: bodily injury to others of $25,000 per person and $50,000 per accident, and damage to someone else’s property of $30,000 per accident. The Division describes bodily injury to others as legal liability when the insured, or someone allowed to drive the car, accidentally injures another person or causes a death. That compulsory part applies to accidents in Massachusetts. It does not pay for injury to a passenger in the insured car, and it does not repair the insured car. Property damage liability pays for accidental damage the insured, a household member, or a permitted driver causes to someone else’s property.
Personal injury protection and uninsured drivers
Massachusetts is a no-fault state, and personal injury protection is compulsory. Section 34A sets that coverage at least at eight thousand dollars for one person, without regard to negligence or fault. The Division of Insurance states the limit as $8,000 per person and says Filing Guidance Notice 2025-A left it unchanged. The Division describes what the $8,000 can pay: medical expenses, up to 75 percent of lost wages, and replacement services. It can apply to the named insured, a person allowed to drive the car, household members, passengers, and pedestrians. Section 34A itself limits the wage portion to seventy-five percent of the injured person’s average weekly wage, with further limits when a wage-continuation program is already paying.
Bodily injury caused by an uninsured auto is the fourth compulsory part. Section 113L of chapter 175 says a policy delivered in Massachusetts for a vehicle registered in the state must provide uninsured motorist coverage in the amounts prescribed for bodily injury or death for a liability policy, including hit-and-run vehicles. The Division of Insurance states those amounts as $25,000 per person and $50,000 for all people injured in the accident. The coverage can apply to the named insured, permitted drivers, household members, and passengers who are not covered by another similar Massachusetts policy. Underinsured motorist protection is not compulsory. Section 113L makes that broader definition available if the policyholder elects to buy it, and the Division of Insurance lists underinsured motorist coverage with the optional parts.
A quote is a Massachusetts minimum quote only when all four compulsory parts are present at these limits. Optional parts, if selected, need to be the same on every quote. Otherwise the ZIP comparison mixes different policies.
Why some drivers raise limits above the floor
A serious injury or damage to someone else’s property can exceed $25,000 for one person, $50,000 for one accident, or $30,000 of property damage. The amount above the policy limit can remain the responsible driver’s own obligation. Compulsory bodily injury also leaves two gaps the Division of Insurance describes: it does not cover a passenger in the insured car, and it does not apply outside Massachusetts. Optional bodily injury coverage is the part that can close those gaps.
Collision and comprehensive are optional. The Division of Insurance lists them separately from the four compulsory coverages. A lender or a leasing company can still require them. Neither compulsory bodily injury nor compulsory property damage pays to repair the insured car after a crash the driver causes.
What still changes by Massachusetts ZIP
Chapter 90 sets one statewide floor. Companies still use the garaging ZIP, the drivers, the vehicle, annual mileage, and the optional parts on the application when they decide whether to offer a quote. Two neighboring ZIP codes can return different companies even though the compulsory limits do not change.
The Division of Insurance says some discounts are required, including passive restraint systems and drivers age 65 or older. Others, including low annual mileage and more than one car on a policy, are optional and are not offered by every company. Record the limits and any optional parts on each quote so a renewal can be lined up the same way.
General information: This page summarizes public requirements for Massachusetts auto insurance. It is not legal advice, not a quote, and not an offer of insurance. Confirm current limits, forms, and filings with the Massachusetts Division of Insurance or a licensed Massachusetts agent before a policy is bought or changed.
Frequently asked questions
Is Massachusetts a no-fault state?
Yes. Personal injury protection is compulsory. It pays eligible medical expenses, a share of lost wages, and replacement services up to $8,000 regardless of who caused the crash.
Does compulsory bodily injury cover a passenger in the insured car?
No. Section 34A excludes a guest occupant, and the Division of Insurance says bodily injury to others does not cover a passenger in the insured car. That part also applies to accidents in Massachusetts.
Will the compulsory parts repair the insured car after a crash that driver causes?
No. Collision coverage is optional. The compulsory parts pay other people, personal injury protection, and uninsured-motorist claims.
Why compare by ZIP if the compulsory limits are statewide?
The limits are the same across Massachusetts. Companies still decide whether to offer a quote from the ZIP where the car is garaged.
Esurance is an Allstate brand. EsuranceInsurance.org is an independent comparison site and is not affiliated with Esurance or Allstate.
Liability versus full coverage by ZIP