Massachusetts Auto Insurance

The state minimum auto insurance coverage in Massachusetts:

Liability Coverage	Minimum	Description
Bodily Injury Per Person	$20,000	Each person you injured in an accident that you cause would receive $20,000, up to your policy limit.
Bodily Injury Per Accident	$40,000	The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident	$5,000	The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Uninsured/Underinsured Motorist	Minimum	Description
Bodily Injury Per Person	$20,000	The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.
Bodily Injury Per Accident	$40,000	The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Personal Injury Protection (PIP)	Minimum
Per Person	$8,000

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

Other types of auto insurance you can add to your policy are:

Collision coverage

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

Comprehensive coverage

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

Medical payments

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.