Does Massachusetts have minimum requirements for car insurance?

Yes. Massachusetts car insurance requirements include liability coverage limits of at least:

  • $20,000 in bodily injury liability per person
  • $40,000 in total bodily injury per accident
  • $5,000 in property damage per accident

Auto insurance in Massachusetts also requires personal injury protection (PIP) and uninsured bodily injury coverage (UM BI), with the following minimum limits:

  • PIP: $8,000
  • UM BI: $20,000 per person, $40,000 per accident

PIP can cover medical costs, plus lost wages and death benefits, and pays out even if you're at fault in an accident. UM/UIM BI can cover medical expenses for you and your passengers if you’re in an accident with an uninsured driver.

That's all the minimum coverage you need for your Massachusetts auto insurance policy, but consider increasing your liability limits to better protect your assets.

Get comprehensive and collision coverage for your vehicle

Most lenders require comprehensive and collision coverage if you lease or finance your car. But even if you've paid off your ride, physical damage coverages can be worth carrying if your vehicle is damaged or stolen.

Time for a change? Drivers nationwide who switch and save with Progressive save over $650 on average.* Get a car insurance quote today.

How much is auto insurance in Massachusetts?

The average cost of a liability-only Progressive auto policy in Massachusetts (single driver/single car) was $130 per month in 2020-2021.** Massachusetts car insurance quotes may vary based on driving history, ZIP code, and coverage selection.

Do you offer any discounts in Massachusetts to lower my insurance?

Progressive offers many discount opportunities to attain cheaper car insurance in Massachusetts, including:

  • Continuous insurance
  • Five-year accident-free
  • Paid in full
  • Electronic Funds Transfer (EFT)
  • Multi-car
  • Online quote
  • Three-year safe driving
  • Paperless

Save even more money — and protect your most valuable assets — by bundling your home and auto insurance. Learn more about homeowners insurance in Massachusetts.

See all auto discounts.

Interesting facts about Massachusetts auto insurance

  1. Massachusetts permits you to exclude driving-age family members from your policy if they don’t operate your vehicle, but you’ll need to submit an "exclusion form" to your insurer.

  2. Boston is famous for traffic tie-ups, but, if you brake well, you could earn a discount for safe driving with Progressive's Snapshot®

  3. Massachusetts doesn’t allow insurance companies to use your credit score in determining your auto insurance rate.

How to get car insurance in Massachusetts

Go online

We ask easy questions, and you customize your coverages.

Call a rep

Talk with a licensed representative who can guide you through the process.

Through an agent

Connect with an independent agent in your area.