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Massachusetts Car Insurance

PROTECTION THAT'S MADE FOR YOU

Known for its rich history, Massachusetts is the most populous state in the New England region of the United States. Home to Boston, Worcester, Plymouth and Salem, Massachusetts is a leader in biotechnology, finance and higher education. The state has cold winters and mild summers and is home to popular sports teams in baseball, basketball, hockey and football. Tourism provides a strong economic boost with travelers visiting Cape Cod or Plymouth Rock, or walking the Freedom Trail through Boston. Interstate 91 runs north and south through the western part of the state, while Interstate 90 runs east to west out of Boston. Interstates 495, 95 and 195 can be found in the Boston area, as well.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Massachusetts requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Contact an Massachusetts Allstate agent to better understand the different types of coverage in your area.


State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Massachusetts. Pick a new stateto see its laws:

Coverage Type
Massachusetts Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$20,000 limit per person/$40,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$5,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
$20,000 limit per person/$40,000 limit per accident
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required
Personal Injury Protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
$8,000 limit per person, per accident
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism
Not required1


All coverages are subject to the coverage limits stated in your policy.

1Although Massachusetts law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.



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Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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