Massachusetts Auto Insurance Guide for First-Time Buyers
Massachusetts requires 25/50/30 liability coverage and is a no-fault state.
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Massachusetts at a Glance
25/50/30
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
16
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Massachusetts operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages. According to the Massachusetts Division of Insurance, the state mandates both liability and Personal Injury Protection coverage, making it one of the few states with compulsory PIP.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive Coverage
Cost Overview
$244/mo
Typical monthly rate in Massachusetts, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
12:30am-5am
Passengers
no passengers younger than 18 for first 6 months
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of every Massachusetts policy — covers injuries and property damage you cause to others. Your premium (the amount you pay monthly or annually) increases with higher limits, but so does your protection against lawsuits that can claim your savings, wages, and future earnings.
Full Coverage
Combines liability, collision (damage to your car in accidents), and comprehensive (theft, vandalism, weather, animals) into complete protection. Your deductible — the amount you pay before insurance kicks in — typically ranges from $500 to $1,000 per claim.
Comprehensive Coverage
Covers non-collision damage — theft, broken windows, hail, falling trees, and animal strikes (common with Massachusetts' large deer population in rural areas). Filed as a separate claim from collision with its own deductible.
Uninsured Motorist Coverage
Required in Massachusetts at the same limits as your liability coverage — if you carry 100/300 bodily injury liability, you must carry 100/300 uninsured motorist. Covers your medical bills and lost wages when hit by a driver with no insurance or a hit-and-run driver who flees the scene.
Personal Injury Protection (PIP)
Mandatory in Massachusetts — pays your medical bills, lost wages, and essential services like childcare regardless of fault. You file with your own insurer immediately after an accident instead of waiting to determine who caused it, ensuring fast access to treatment.
Collision Coverage
Pays to repair or replace your vehicle after hitting another car, guardrail, pole, or any object — regardless of fault. If your car is totaled (repair cost exceeds its value), your insurer pays the actual cash value minus your deductible.