The Commonwealth of Massachusetts legally requires the following minimum car insurance coverage for the operation of a motor vehicle (eff 7/1/25):

• $25,000 / $50,000 bodily injury liability coverage

• $30,000 property damage coverage

• $25,000 / $50,000 uninsured motorist bodily injury coverage

• $8,000 personal injury protection

There are two types of personal injury protection in Massachusetts.

• Policyholder only: This option covers only the people named as policyholders (for example, yourself and your co-insured spouse)

• Household: This option covers you and any additional household members

Insurance Coverage Options

If you need additional coverage on your vehicle in MA, your policy can include comprehensive and collision coverage. There are a few specific things about collision coverage in Massachusetts that you may need to know.

What is the difference between standard collision and limited collision?

In the event of a collision in which your vehicle is damaged, standard collision can be used to repair your vehicle regardless of who is at fault. Limited collision differs in that it can only be used if you are found to be less than 50% at fault in an accident. If you are considering limited collision, you should discuss the coverage with a licensed agent to ensure that limited collision coverage is right for you.

What is a collision deductible waiver?

Massachusetts residents who carry collision also have the option to carry the collision deductible waiver. With this, you will not need to pay your collision deductible under certain circumstances when you are less than 50% at fault in a collision.