Is Massachusetts an at-fault or no-fault state?

Massachusetts is a no-fault state for car insurance claims.

Field report · MA

Car insurance in Massachusetts

Massachusetts is a no-fault state with a minimum liability requirement of25/50/30. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/30

Fault systemNo-fault

Uninsured motoristRequired

RegulatorMassachusetts Registry of Motor Vehicles (RMV) - not 'DMV'

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $30,000 for property damage, effective July 1, 2025 - the first change to Massachusetts's minimums since 1988 (up from 20/40/5). PIP remains $8,000 per person.

Uninsured motorist coverage is mandatory (tracking the new 25/50 bodily-injury limit as of the 2025 update). Underinsured motorist coverage is optional, not required.

Estimated cost

Illustrative estimate: roughly $450-$650/year for minimum coverage - flagged uncertain, as sources conflict and some cited figures reflect full coverage rather than minimum coverage.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Notable exception: Massachusetts does not require an SR-22 for in-state violations, since insurance is already compulsory statewide; an SR-22-style filing is mainly relevant for clearing an out-of-state suspension or certain OUI-related reinstatements.

Local conditions worth knowing

Massachusetts consistently has one of the lowest uninsured-motorist rates in the US (commonly cited around 3.5-4%), attributed to strict registration-tied compulsory insurance enforcement.

Frequently asked

What is the minimum car insurance requirement in Massachusetts?: Massachusetts requires liability limits of at least 25/50/30. $25,000 per injured person, $50,000 total per accident for injuries, and $30,000 for property damage, effective July 1, 2025 - the first change to Massachusetts's minimums since 1988 (up from 20/40/5). PIP remains $8,000 per person.
Is Massachusetts an at-fault or no-fault state?: Massachusetts is a no-fault state for car insurance claims.
Do I need an SR-22 in Massachusetts?: Notable exception: Massachusetts does not require an SR-22 for in-state violations, since insurance is already compulsory statewide; an SR-22-style filing is mainly relevant for clearing an out-of-state suspension or certain OUI-related reinstatements.
Is uninsured motorist coverage required in Massachusetts?: Uninsured motorist coverage is mandatory (tracking the new 25/50 bodily-injury limit as of the 2025 update). Underinsured motorist coverage is optional, not required.

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