Expert tips, state-specific guides, and money-saving strategies from your local independent insurance agent.
By ATSI Insurance Group • Updated 2026
Massachusetts has some of the most comprehensive auto insurance requirements in the country. In a landmark change, the state updated its minimum coverage limits effective July 1, 2025 — the first increase in nearly 40 years. Whether you're a new driver or reviewing your current policy, here's what you need to know about the current requirements.
Massachusetts requires all registered vehicles to carry the following minimum coverage:
Bodily Injury Liability: $25,000 per person / $50,000 per accident. This covers injuries you cause to others in an at-fault accident. These limits were increased from the previous $20,000/$40,000 minimums as of July 1, 2025.
Property Damage Liability: $30,000 per accident. This covers damage you cause to another person's vehicle or property. This was increased from the previous $5,000 minimum — a significant jump that reflects the rising cost of vehicle repairs and replacements.
Personal Injury Protection (PIP): $8,000. This covers medical expenses for you and your passengers, regardless of fault. Massachusetts PIP covers reasonable medical and hospital expenses.
Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident. This protects you if you're injured by a driver who doesn't carry insurance. These limits were also increased from the previous $20,000/$40,000 minimums.
Massachusetts hadn't updated its auto insurance minimums since the 1980s. The July 2025 changes brought the state's requirements more in line with the actual costs of accidents today. The key increases were:
Bodily Injury: Increased from $20,000/$40,000 to $25,000/$50,000
Property Damage: Increased from $5,000 to $30,000 (a 6x increase)
Uninsured Motorist: Increased from $20,000/$40,000 to $25,000/$50,000
If your policy was renewed after July 1, 2025, it should already reflect these new minimums. If you haven't renewed since then, make sure your next renewal updates to the new limits — otherwise you could be underinsured and personally liable if your outdated coverage doesn't fully cover damages you cause.
While the updated state minimums are an improvement, they still may not provide adequate protection in a serious accident. Medical bills from a single accident can easily exceed $100,000, and even the new $25,000 per person Bodily Injury limit would leave you personally responsible for the difference.
We recommend carrying at least $100,000/$300,000 in Bodily Injury Liability and keeping your Property Damage Liability at $50,000 or higher. These increases are often surprisingly affordable — sometimes just a few dollars more per month.
Collision Coverage: Pays to repair or replace your car after an accident regardless of fault. If you have a car loan or lease, your lender will likely require this.
Comprehensive Coverage: Covers non-collision events like theft, vandalism, glass breakage, animal strikes, and weather damage. Massachusetts winters can be tough on vehicles, making this coverage especially valuable.
Underinsured Motorist Coverage: Protects you when the at-fault driver has insurance but not enough to cover your expenses. Even with the new higher minimums, many drivers carry only the bare minimum.
Roadside Assistance: Covers towing, flat tires, lockouts, and other roadside emergencies — particularly helpful during New England winters.
Since 2008, Massachusetts has used a competitive rating system where insurance companies set their own rates, subject to regulatory approval. This means rates can vary significantly between carriers, making it essential to compare quotes. Factors that affect your rate include your driving record, age, vehicle type, where you live, and your credit history.
At ATSI Insurance Group, we work with 15+ insurance carriers to find you the best rate on Massachusetts auto insurance. Our agents stay up to date on the latest regulatory changes — like the July 2025 minimum increases — and can help you build a policy that provides real protection without overpaying.