Massachusetts Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Massachusetts is $20,000 for injury, $40,000 for all injuries, and $5,000 in property damage. Commonly referred to as 20/40/5 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • Permanent Insurance Card
  • Policy Declaration Page
DMV Point System

This state does not enlist a point system for monitoring or penalizing traffic violations. However, your driving record is still maintained and made available to employers and insurance companies. Habitual traffic violations will increase your insurance rates.

The state of Massachusetts will suspend a driver’s license, if the driver accumulates 3 speeding violations within 1 year, for a period of 30 days.

Massachusetts employs a “Surchargeable Points” system, as insurance rates are set by the state. Surchargeable Points not only affect your license status but directly raise your insurance premium on a per point basis.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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