Insurance Requirements for Car Registration in Massachusetts

The Massachusetts Registry of Motor Vehicles requires all drivers to carry four types of liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for drivers are as follows:

  • A minimum of $20,000 per person, for bodily injury or death to others. This means you’ll need to carry a minimum of $40,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $5,000 for property damage liability, for damage to someone else’s property

  • A minimum of $20,000 per person, for uninsured or under-insured motorist liability. This means you’ll need to carry a minimum of $40,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $8,000 for personal injury protection for injury you experienced yourself

This means that the total minimum amount of financial responsibility you will need is $93,000 to cover bodily injury, property damage, uninsured or under-insured motorists, and personal injury protection liability insurance.

Other types of insurance

While the liability insurance listed above is all that is required in Massachusetts, drivers may also elect to pay for further coverage, including:

  • Collision coverage, for damages to your own vehicle.

  • Comprehensive coverage, for damages to your vehicle caused by non-accident events.

  • Rental reimbursement, to cover the costs of a necessary rental.

  • Towing and Labor coverage, to cover the costs of necessary repairs.

Massachusetts Safe Driver Insurance Plan

The state of Massachusetts maintains the Massachusetts Safe Driver Insurance Plan program, or SDIP, that rewards drivers with clean driving records for their safe driving habits. This merit-based plan requires that unsafe drivers pay higher premiums, while allowing safe drivers to pay lower premiums.

Massachusetts Auto Insurance Plan

Massachusetts also maintains the Massachusetts Auto Insurance Plan program, or MAIP, which ensures that drivers who are deemed high-risk by auto insurance providers can obtain the necessary legal insurance. Companies who have previously rejected a driver for being unsafe must allow the re-application of a driver through the Massachusetts Auto Insurance Plan.

Proof of insurance

The state of Massachusetts does not require that drivers present proof of financial responsibility in the form of an insurance card. Instead, the vehicle registration document contains the insurance information, and acts as your proof of insurance in the event that a police officer asks to see it at a traffic stop or at the scene of an accident.

In order to register your vehicle, you will need a signed and stamped Insurance Certification (which is part of your application for registration) from your insurance provider.

Violation penalties

If you fail to carry the proper insurance in Massachusetts, you may be subject to one of the following penalties:

  • Fines between $500 and $5,000, or a prison sentence of up to one year

  • Suspension of driver’s license or vehicle registration

For more information, contact the Massachusetts Registry of Motor Vehicles through their website.


The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Related articles

The States With the Highest Number of Deer Accidents
If you hit a deer while driving it can cause major damage to your car. You're most likely to hit a deer in West Virginia, Montana, and Pennsylvania.
How to Know if Your State Shares Speeding Ticket Information
Speeding tickets you get in another state will be shared through the Driver License Compact and Non-Resident Violator Compact in 44 states.
How to Tell if You Need Car Gap Insurance
Car gap insurance is also known as loan-lease payoff coverage, because it pays the difference between the value and outstanding balance of your car.

Related questions

A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.
You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...
My 2003 Subaru WRX crashed and my insurance is giving me two options.
I would recommend taking the $6000 and getting another car with the money. The body damage is only an estimate of the damages the body shop can see and estimate. There is always hidden damage the body shop cannot see...
Flooded car please help, potential damage? write off?
When the under vehicle got soaked and sat in the water the brakes tend to lock up after that if you had the parking brake on and then when you go to release it the rear drum brakes may stick...

How can we help?

Our service team is available 7 days a week, Monday - Friday from 6 AM to 5 PM PST, Saturday - Sunday 7 AM - 4 PM PST.

1 (855) 347-2779 · hi@yourmechanic.com