Car-insurance requirements in Massachusetts (2026)
Massachusetts bans more rating factors than any other state, including more than California, which is the state usually named as the strictest.
- Minimum liability limits
- 25/50/30
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- 7
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | Massachusetts Division of Insurance |
| Bodily injury liability, per accident | $50,000 | required | Massachusetts Division of Insurance |
| Property damage liability | $30,000 | required | Massachusetts Division of Insurance |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
The division’s own wording prohibits sex, marital status, race, creed, national origin, religion, age, occupation, income, education and home ownership in underwriting or rating, and separately prohibits the use of credit information from consumer reporting agencies for either purpose. Garaging location remains available for rating but not for underwriting. Massachusetts’s compulsory bodily-injury cover is also narrower than it looks: it reaches only accidents occurring in Massachusetts and does not cover passengers in the insured’s own vehicle.
How old is this minimum?
Massachusetts’s $30,000 property-damage minimum took effect in 2025. $30,000 in July 2025 corresponds to $31,013 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Massachusetts’s minimum of $30,000 leaves $12,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Massachusetts
| Factor | Status | Authority |
|---|---|---|
| Credit information | Banned Prohibited from using credit information from consumer reporting agencies for either underwriting or rating. | MA Division of Insurance |
| Gender | Banned | MA Division of Insurance |
| ZIP code | Restricted Garaging address may be used for rating, not underwriting. | MA Division of Insurance |
| Rating territory | No restriction found | — |
| Age | Banned | MA Division of Insurance |
| Marital status | Banned | MA Division of Insurance |
| Occupation | Banned | MA Division of Insurance |
| Education | Banned | MA Division of Insurance |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Massachusetts
No regulator-published premium data exists for Massachusetts
Massachusetts’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Massachusetts at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Massachusetts.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Massachusetts — minimum limits 25/50/30
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | Massachusetts Division of Insurance |
| Bodily injury liability, per accident | $50,000 | required | Massachusetts Division of Insurance |
| Property damage liability | $30,000 | required | Massachusetts Division of Insurance |
Fault system: No-fault — verbal threshold (M.G.L. c.231 §6D).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Massachusetts
- What is the minimum car insurance required in Massachusetts?
- Massachusetts requires liability limits of 25/50/30 under Massachusetts Division of Insurance.
- Is Massachusetts a no-fault state?
- Massachusetts operates no-fault with a verbal tort threshold.
- What does car insurance cost in Massachusetts?
- No regulator publishes premium data for Massachusetts, so this site shows no premium figures for Massachusetts. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Massachusetts last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.