Massachusetts

Massachusetts requires minimum liability of 20/40/5 ($20,000 bodily injury per person / $40,000 per accident / $5,000 property damage), PLUS Personal Injury Protection (PIP) of at least $8,000. Massachusetts is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in Massachusetts pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $20,000 per injured person and $40,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Massachusetts pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $5,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Massachusetts REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury coverage at 20/40 is mandatory on every Massachusetts policy. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Massachusetts REQUIRES Personal Injury Protection (PIP) of at least $8,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

Massachusetts is a no-fault state requiring $8,000 PIP. Tort actions are limited unless medical bills exceed $2,000 or the injury meets a serious-injury threshold.

SR-22 is not used in Massachusetts; equivalent financial responsibility filings are handled through the RMV after major violations.

For the most current minimum auto insurance requirements in Massachusetts, consult the official source at https://www.mass.gov/orgs/division-of-insurance. State minimums change periodically; verify current law before relying on these figures.