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 of 25/50/30. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/301

Fault systemNo-fault1

Uninsured motoristRequired1

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

$649 a year for minimum coverage, $2,096 for full coverage2

Average annual premiums in Massachusetts for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, 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 our cost calculator for a figure based on your own details, or get 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.

Sources

Commonwealth of Massachusetts, 2025 new motor vehicle mandatory coverage limits, 2025.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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