Massachusetts Auto Insurance Policy Requirements

Q: What is in a basic Massachusetts auto insurance policy?

A: Consumers can add these main options to their Massachusetts auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Massachusetts. To legally drive in Massachusetts, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 20/40/5” (Massachusetts’s minimum auto insurance requirement)
      2. $20,000 for injury/death to one person.
      3. $30,000 for injury/death to two or more people.
      4. $5,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Massachusetts auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Massachusetts auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Massachusetts auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is required in Massachusetts.
  6. Personal Injury Protection (PIP) Coverage is required under Massachusetts state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Massachusetts a No-Fault state? 
A: Yes, Massachusetts has a no-fault insurance system.
Q: How can I get a discount on a Massachusetts auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about Massachusetts auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of Massachusetts:
  1. Massachusetts Insurance Resources
    1. The Massachusetts Registry of Motor Vehicles (RMV) manages the issuance of driver’s licenses, vehicle titles, and registration.
    2. The Massachusetts Division of Insurance (DOI) helps inform the public of insurance laws and includes Auto Insurance Premium Comparisons.
  2. National Insurance Resources
Home of Martha’s Vineyard and the birthplace of the American Revolution, residents of Massachusetts can look to CLICKinsure agents to provide their top services for a variety of auto insurance coverage. Whether you’re in Boston, Cambridge, Northampton, Springfield, Cape Cod, New Bedford, or Gloucester, you can find reliable insurance information and coverage when you select CLICKinsure as your broker.