Massachusetts Auto Insurance Requirements Explained

What You Need to Know Before You Register a Vehicle

If you’re registering or insuring a vehicle in Massachusetts, understanding the required coverage is essential. Many drivers worry about choosing the wrong policy and not meeting legal requirements. Massachusetts has specific compulsory coverages that must be included in every auto insurance policy. This guide explains those requirements in plain language so you can understand what applies before you move forward.

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Required Auto Insurance Coverages in Massachusetts

Massachusetts requires several types of coverage as part of a standard auto insurance policy:

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Bodily Injury to Others

Helps cover injuries you cause to another person in an accident.

Personal Injury Protection (PIP)

Provides coverage for medical expenses and certain related costs, regardless of who caused the accident.

Uninsured Motorist Coverage

Protects you if you’re involved in an accident with a driver who does not have insurance.

Property Damage Liability

Covers damage you cause to another person’s property, such as a vehicle or structure.


These are often referred to as compulsory coverages, meaning they are required by law.

What Is PIP and How Does It Work?

Personal Injury Protection (PIP) is a key part of Massachusetts auto insurance.


Covers Medical Expenses

PIP helps pay for medical costs after an accident, regardless of fault.


Applies to Drivers and Passengers

Coverage may extend to you, your passengers, and in some cases pedestrians involved in the accident.


Part of the No-Fault System

Because Massachusetts is a no-fault state, your own insurance handles certain expenses first through PIP.

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Is Massachusetts a No-Fault State?

Yes, Massachusetts follows a no-fault insurance system.


This means that after an accident, your own insurance policy pays for certain expenses—such as medical costs—through PIP, regardless of who caused the accident. This system is designed to help handle claims more quickly, though liability coverage still applies in many situations.e

Do You Need Insurance to Register a Car in Massachusetts?

Yes. Proof of insurance is required to register a vehicle in Massachusetts.


Before registration is completed, your insurance policy must include the required coverages. This is why many drivers set up their insurance first and confirm that it meets state requirements before visiting the Registry of Motor Vehicles.

Two people sitting together on a tiled floor by an open door, looking out at a body of water and a wooden deck.
Two people sitting together on a tiled floor by an open door, looking out at a body of water and a wooden deck.

Recent Updates to Massachusetts Coverage Limits

Massachusetts auto insurance requirements were updated for policies issued or renewed on or after July 1, 2025.



These updates may affect minimum coverage limits for certain compulsory coverages. Because requirements can change, it’s important to confirm current limits when setting up or renewing a policy.

Common Questions About Massachusetts Auto Insurance

  • What are the compulsory coverages in Massachusetts?

    They include bodily injury to others, personal injury protection (PIP), uninsured motorist coverage, and property damage liability.

  • What is PIP in Massachusetts?

    PIP helps cover medical expenses and certain related costs after an accident, regardless of fault.

  • Is uninsured motorist coverage required?

    Yes, renters and condo insurance are both common personal insurance options. These policies help protect belongings and provide liability coverage even when you do not own the building itself.

  • Can I choose higher coverage limits?

    Yes. Many drivers choose higher limits than the minimum required for additional protection.

Get Help Confirming What Applies to You

Understanding Massachusetts auto insurance requirements is the first step. The next step is making sure your policy reflects your specific situation.


S.B. Goddard & Son Co. helps drivers in Woburn review coverage, confirm requirements, and compare policy options before moving forward.