Is Massachusetts a no-fault state?

Yes, Massachusetts has been a no-fault state since 1971, according to the Insurance Information Institute . Your personal injury protection (PIP) coverage pays your medical costs after an accident, no matter who caused it, and you can sue another driver only for crashes that cause serious injury or death.

How do I lower my car insurance in Massachusetts?

Adjusting your coverages, limits, and deductible can make a big impact on your premium. A higher deductible lowers your premium, though you'll pay more toward a physical damage claim. Keeping a clean driving record and continuous coverage lowers your cost over time. You can also earn simple discounts based on how you pay and receive policy documents.

Does insurance follow the car or driver in Massachusetts?

In Massachusetts, car insurance follows the car, not the driver. If you let a licensed driver borrow your car, your policy is generally the first to pay if they cause an accident, and their own policy may help if your limits run out.

Can you register a car in Massachusetts without insurance?

No, Massachusetts requires active insurance before you can register a vehicle. A licensed insurance agent or company has to complete and stamp your registration and title application to certify your coverage — without the insurance stamp, the RMV won't process it. This process makes it easy for police to flag when someone is driving uninsured.

Massachusetts car insurance

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Getting car insurance in Massachusetts

Progressive pairs flexible coverage with transparent pricing to help protect Bay State drivers from crowded commutes and harsh New England winters. Our tools make it easy to compare coverages, budget, and save — including the Name Your Price® tool. Learn more about Massachusetts car insurance requirements, ways you can save, and more.

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Required coverages
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Average cost
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Driving resources
FAQs

What are the minimum auto insurance requirements in Massachusetts?

Massachusetts requires four coverages on every policy. You can raise these limits or add coverages for more protection. Below are the state's current minimum limits.

Coverage	What it covers	Minimum amount
Bodily Injury to Other (Part 1)	Injuries you cause to others in an accident. This only provides coverage while driving in MA. Guest passengers are not covered	$25,000 per person $50,000 per accident
Damage to Someone Else's Property (Part 4)	Damage you cause to someone else's property in an accident	$30,000 per accident
Bodily Injury Caused by an Uninsured Auto (Part 3)	Medical costs caused by uninsured driver	$25,000 per person $50,000 per accident
Personal Injury Protection (Part 2)	Your medical bills, lost wages, and death benefits	$8,000 per person

Massachusetts' minimum coverage limits may not provide enough protection if you're at fault in a serious accident. Higher limits may offer better financial protection. See how much car insurance you may need for your situation.

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Car insurance discounts in Massachusetts

Car insurance discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Massachusetts drivers get a better deal on car insurance. Popular discounts available in Massachusetts include:

Paid in full
Save when you pay your premium in full up front. Choosing the full amount instead of monthly installments earns a discount and skips the installment fees.
Automatic payments
Save when you set up automatic payments by electronic funds transfer. Letting your premium draft from your bank account earns a discount and keeps you from missing a due date.
Paperless
Save when you choose paperless billing and documents. You'll get your statements and policy details by email and earn a discount for skipping the mail.

What is the average cost of car insurance in Massachusetts?

Based on Progressive's internal data, the average cost of a six-month liability-only policy in Massachusetts was $164.42 per month in 2025.^† That amount is based on one vehicle and one driver, and your premium will vary with coverages and limits you choose. Your rate also depends on factors unique to you, including where you live, your driving history, and the discounts you qualify for.

Factors that impact your auto insurance rate in Massachusetts

Many factors can impact how much you pay for auto insurance, including:

Driving history: At-fault accidents and traffic violations can affect your premium. Progressive uses its own rating system while relying on driving history information reported through Massachusetts' Merit Rating Board.
Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your price. Higher vehicle values can lead to higher claim costs.
Location: The city or town where you keep your car can affect your rate because traffic density, accident and theft rates, and weather vary across the state.
Coverage choices and deductibles: This is where you have the most control. More coverage or higher limits raise your premium, while a higher deductible lowers it.

Recommended additional auto insurance coverages in Massachusetts

You can add optional coverages for broader protection, including higher bodily injury limits, medical expenses, damage to your vehicle, and accidents involving underinsured drivers. If you finance or lease your vehicle your lender will likely require comprehensive and collision coverage.

Coverage	What it covers
Optional Bodily Injury to Others (Part 5)	Higher injury limits that also cover your passengers and accidents outside Massachusetts
Medical Payments (Part 6)	Certain medical and funeral expenses for you and others after an accident
Collision (Part 7)	Cost to repair or replace your vehicle after a collision, regardless of who's at fault
Limited Collision (Part 8)	Damage to your vehicle from certain covered collisions
Comprehensive (Part 9)	Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Bodily Injury Cause by an Underinsured Auto (Part 12)	Covered bodily injuries when an at-fault driver doesn't have enough insurance to cover your losses

Massachusetts driving resources

Get to know Massachusetts's driving laws and insurance resources. Keep in mind that local governments may have additional rules or requirements.

Massachusetts Registry of Motor Vehicles (RMV): Handles driver licensing, vehicle registration, license plates, and renewals.
Basics of Auto Insurance: The state's guide to Massachusetts' compulsory coverages and how no-fault works.
Massachusetts Division of Insurance: Regulates the state's insurers, review rates, and handles consumer complaints.
Massachusetts first-time drivers: Resources for new and student drivers getting started.

How to get car insurance in Massachusetts

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