Minimum car insurance in Massachusetts.
What Massachusetts requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Massachusetts, the minimum liability limits are written 25/50/30 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $30,000 for property damage.
How the system works
Massachusetts uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
No-fault (PIP $8,000 required). UM bodily injury required at 25/50. Limits rose from 20/40/5 on policies written on or after July 1, 2025.
What the minimum means in practice
Say a crash you cause injures three people. The Massachusetts minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $30,000.
If you drive without insurance in Massachusetts
Operating an uninsured motor vehicle is punishable by a fine of $500 to $5,000, up to one year in a house of correction, or both. A first conviction brings a 60-day license suspension, and a second within six years brings a one-year suspension.
Also worth knowing in Massachusetts
A person convicted of operating uninsured is also liable to a state insurance plan for the greater of $500 or one year's compulsory insurance premium.
Your state regulator
Massachusetts Division of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Massachusetts a no-fault state?
Massachusetts uses a no-fault style system for medical costs, with its own rules.