Massachusetts Auto Insurance Information
Under Massachusetts law, motorists must carry a minimum of $20,000 per person and $40,000 per accident in Bodily
Injury Liability (BIL) insurance, as well as at least $5,000 in Property Damage Liability (PDL) coverage. BIL
insurance pays for the medical and other accident-related expenses of those injured by the actions of the at-fault
driver, up to the coverage limits. PDL pays for repairs to the other driver’s vehicle and related property damage,
up to the coverage limits. Neither BIL nor PDL pays for any accident-related expenses of the at-fault driver.
State law mandates PIP coverage, which pays the medical expenses of the driver and any passengers up to the
coverage limits. The minimum amount of PIP coverage is $8,000 per person per accident.
Massachusetts also requires drivers to purchase at least $20,000 per person and $40,000 per accident in uninsured
motorist coverage. This coverage does not include property damage.
Keep in mind that this is the minimum amount of auto insurance required by law, and most drivers should purchase
additional insurance to protect their personal assets in case of a serious accident.
While the state does not require collision and comprehensive insurance, lenders will almost certainly mandate such
coverage for leased and financed vehicles. Even if the car is owned outright, drivers should consider obtaining
collision and comprehensive coverage if they cannot afford to replace the vehicle if it is totaled in an accident.
SR-22 Insurance in Massachusetts
Massachusetts is one of the few states that does not require insurance companies to file an SR-22 Form with the
Department of Motor Vehicles prior to license reinstatement after suspension or revocation. However, a DUI in a
neighboring state, such as Vermont or New Hampshire, may require the filing of an SR-22 Form. In such situations,
contact the Massachusetts Auto Insurance Bureau, which states that issuance of an SR-22 Form by an insurer is
mandatory upon request.
Massachusetts Driver Statistics
Nearly seven million people call The Bay State home, and approximately five million of them hold drivers’
licenses. It ranks 15th in population and 44th in area. Only 20 percent of Bay Staters live outside the Greater
Boston area. Massachusetts has played a prominent role in every part of American history, from the arrival of the
Pilgrims in 1620, the anti-British activity leading up to the first shots of the Revolutionary War at Lexington
and Concord in 1775, and the abolitionist movement in the mid-19th century. Some of the world’s most renowned
colleges and universities are located in Massachusetts, including Harvard University, Massachusetts Institute of
Technology (MIT), Tufts University, Amherst College and Smith College. According to USA Today, Massachusetts leads
the nation in the number of people with health insurance, with just 2.5 percent uninsured.
With its well-educated workforce, top industries in Massachusetts include healthcare, finance, education, and
technology. In the last category, the state is emerging as a rival to Silicon Valley.
Massachusetts also sports many national and state parks and historic sites, including Cape Cod National Seashore,
John Fitzgerald Kennedy National Historic Site, Boston African-American Historic Site, Salem Maritime National
Historic Site, and the Boston National Historic Park, to name just a few.
Massachusetts Auto Insurance & Accident Facts
In 2017, 350 people lost their lives on Massachusetts roadways. The overwhelming majority of these deaths, 328, took place on urban highways and streets. Alcohol was involved in 120 of these deaths, while speeding was the primary cause in 98 fatalities. Fifty-one deaths involved motorcycles, 74 were pedestrians and 11 killed were on bicycles.