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Massachusetts Minimum Car Insurance and Penalties for Driving Without It
The short answer
Massachusetts requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $30,000 for property damage (25/50/30). Other required coverage: PIP $8,000, UM.
Massachusetts at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $30,000 for property damage (25/50/30) |
|---|---|
| Other required coverage | Personal injury protection (PIP) of at least $8,000 per person and uninsured motorist coverage at the bodily injury liability limits are required. |
| First offense for driving uninsured | Driving without insurance carries a fine of $500 to $5,000, up to one year in a house of correction, or both; for a person never before found responsible or convicted, the fine is up to $500. Your license is suspended for 60 days. |
| Repeat offense | A second or later conviction within six years brings a one-year license suspension and the same $500 to $5,000 fine and up to one year in jail. |
| Fee to restore after a lapse | $500 reinstatement fee for a suspension for driving uninsured. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Massachusetts?
Massachusetts requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $30,000 for property damage (25/50/30). Other required coverage: PIP $8,000, UM.
What happens if you drive without insurance in Massachusetts?
Driving without insurance carries a fine of $500 to $5,000, up to one year in a house of correction, or both; for a person never before found responsible or convicted, the fine is up to $500. Your license is suspended for 60 days.