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Massachusetts Auto Insurance
Massachusetts has been a no fault State since 1971. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies.
Massachusetts minimum liability limits; $20,000 per person for injuries you cause to the other parties, $40,000 total per accident, and $5,000 for damage you cause to the other party's property. Other mandatory coverages include $20,000 (per person) and $40,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage. In Massachusetts, 6 percent of all drivers are uninsured.
Optional plans include medical payments (PIP), blanket umbrella, collision, and comprehensive coverage.
If you are convicted of DUI in Massachusetts (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to use the Massachusetts Automobile Insurance Fund (MAIF). The Massachusetts Automobile Insurance Fund was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible Massachusetts Automobile Insurance Plan risks are shared among companies writing automobile insurance in the state of Massachusetts.
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Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Massachusetts |
$20,000 |
$40,000 |
$5,000 |
$0 |
$20k/$40k |
Proof of insurance is required when you register your car. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. The penalty driving without insurance in Massachusetts is a $500 fine.
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