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Massachusetts Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Massachusetts. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Massachusetts.

MA Auto Insurance Laws and Regulations:

Massachusetts Div. of Insurance
One South Station, 5th Floor
Boston, MA 2110

Minimum Car Insurance Coverage in MA:

$20,000 for injury/death to one person

$40,000 for injury to more than one person

$5,000 for damage to property

MA Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles

MA Uninsured Penalties:

Compulsory motor vehicle liability insurance is discussed in chapter 90: Section 34J of the General Laws of Massachusetts. Here it states that being without insurance on a motor vehicle is punished by a fine not less than $500 nor more than $5000 or by imprisonment for not more than 1 year or both the fine and jail time.

The law goes on to say that any person convicted of being uninsured shall be liable for the amount greater of $500 or 1 year's premium for compulsory motor vehicle insurance for the highest rated territory and class or risk in effect at the time of the commission of the offense.

A person cited for driving without insurance may also have their driver's license suspended for 60 days by the Registry of Motor Vehicles and likely their registration and tags to the vehicle suspended as well. The fees for having your license restored are quite steep and can immediately take away any savings you may have found for driving without insurance or with less than the minimum required.

MA Department of Insurance Contact Information:


MA State Insurance Department Website:

Directory of Massachusetts Auto Insurance Agents by County


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