Car Insurance in Massachusetts
Car Insurance Liability Requirements in Massachusetts
Minimum Liability Limits in MA: 20/40/5 [ 4]
20 Required coverage up to $20,000 for one individual injured in an accident
40 Required coverage up to $40,000 for all persons injured in an accident
5 Required coverage up to $5,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Massachusetts
Auto Insurance Coverage Requirements in MA [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Underinsured motorist coverage Personal injury protection coverage Car Insurance Verification Laws in Massachusetts
Insurer Verification of Auto Insurance in MA [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Massachusetts Car Insurance Facts, Estimates & Related Laws
Massachusetts Car Insurance Facts
Average Car Insurance Rates in MA
Massachusetts had the 12th highest auto insurance rates in the nation in 2010.
[ 2] Rates in MA ranked 13th in the nation in 2009.
[ 2] In 2008, MA had the 13th highest rates in the country.
Number of Auto Insurance Policies in MA
Massachusetts ranked 16th in the nation in auto insurance policies in 2011 with a total of 4,256,127.
Uninsured Motorist Rate in MA
The uninsured motorist rate in MA ranked 50th in the nation in 2009.
Massachusetts Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers and passenger bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Massachusetts Automotive Laws
Safety Belt Laws in MA
Safety belt laws have been in place since 1994 and apply to drivers/passengers 13+ years in all seats.
[ 7] Child restraint law in place for 7 years and younger and less than 57 inches.
Motorcycle Helmet Laws in MA
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in MA
Renewal cycle: 5 years
Massachusetts Auto & Driver Facts
Massachusetts Automotive Facts
Speed Limits in MA
Rural interstates: 65 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in MA
Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011.
Massachusetts Licensed Drivers
Licensed Drivers in MA [ 10]
Total Drivers: 4,683,323
MA has the 15th most drivers in the U.S.
Minimum Driving Age in MA [ 5]
Massachusetts has a minimum driving age of 16 years.
Massachusetts Auto Registrations
Auto Registrations in MA [ 8]
Registered Cars: 3,180,009
Registered Trucks: 2,344,721
Registered Motorcycles: 159,007
Total Registrations: 5,695,327
Rank: Massachusetts ranked 15th in the United States in total auto registrations in 2011.
Additional information about Massachusetts
Massachusetts has a population of approximately 6,547,629, which ranks 14th in the U.S. among all states.
More about Massachusetts auto insurance
For more information about auto insurance in MA, or for additional resources regarding
Massachusetts car insurance, visit the Massachusetts Department of Insurance.
Did you know?
Of all U.S. states,
Mississippi had the highest uninsured motorist rate (28 percent) when last measured.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration