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Learn more about California's new minimum auto insurance requirements.
Massachusetts Auto Insurance Coverage
With dozens of historic towns dating back to colonial America, Massachusetts has a lot to explore. But, whether you're new to the commonwealth or have deep roots in the Bay State, it's important to understand Massachusett's auto insurance requirements.
Required Auto Insurance in Massachusetts
Massachusetts requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Massachusetts requires the following minimum liability coverage:
- Bodily Injury: $20,000 per person and $40,000 per accident.
- Property Damage: $5,000 per accident.
- Uninsured Motorist Bodily Injury: $20,000 per person and $40,000 per accident.
- Personal Injury Protection: $8,000 per person.
Massachusetts Teen Driving Laws
Massachusetts operates under a Graduated Drivers License (GDL) Law, which includes three stages: Learner's Permit, Junior License, and Unrestricted Driver's License.
- Learner's Permit: At 16, Massachusetts teens may apply for a learner's permit with their parent's permission. With a learner's permit, drivers must complete 40 hours of driving practice before moving on to the next step.
- Junior License: Teens may obtain their junior license at 16-and-a-half years after holding their learner's permit for 6 months. Teens must complete a driver's education course and pass a driving test to obtain their junior license. With this license, teens are restricted from driving between 12:30 AM and 5:00 AM.
- Unrestricted Driver's License: Once 18, most drivers may obtain their full unrestricted license.
Please be aware of additional restrictions for teen drivers in Massachusetts.
Massachusetts Auto Insurance Discounts
Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Massachusetts. Some examples of common discounts include:
- Safe driver
- Good student
- Installed anti-theft systems
- Multi-vehicle
- Accident-free
- Multi-policy
Read more about potential discounts by visiting our auto insurance discounts page.
Optional Coverage Options in Massachusetts
No law in Massachusetts states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of situations.
Liability insurance is sufficient when paying for damage to another person's property or vehicle. But if your car is dented, damaged, or totaled, liability coverage won't pay to get your vehicle fixed. To repair your vehicle after an accident, you'll need collision coverage.
Collision coverage will help pay for repairs to your car caused by another vehicle or object.
*Although collision coverage is not required by law, it may be required in your car loan or lease contract by your lender.
Collision insurance won't pay to get your vehicle fixed if your car is stolen, vandalized, or damaged by weather. To fix your vehicle in these scenarios, you'll need comprehensive coverage.
Comprehensive auto insurance covers almost all damage done to your vehicle that wasn't caused by a collision.
*Although comprehensive coverage is not required by law, it may be required in your car loan or lease contract by your lender.
Although $20,000 may seem like an ample amount to cover bodily injury-related expenses, medical bills can quickly exceed that amount. We encourage policyholders to purchase coverage with higher bodily injury limits to protect their assets in the event one or more person is injured in a collision that they caused.
You can also opt to purchase a policy that has a higher property damage limit than the state’s requirement. This additional layer of coverage could save you thousands down the road should you be held financially responsible for any damage caused to a private building or vehicle in an accident.
Learn More About Massachusetts
About Massachusetts
Massachusetts became America's 6th state in 1788. Originally one of the first thirteen colonies, Massachusetts is a state full of American history and must-visit museums.
