Massachusetts insurance shopping
Shopping for car insurance in Massachusetts? Start with the four required coverages.
Massachusetts works differently from many states. Instead of one simple liability minimum, the state requires four compulsory auto coverages, including PIP and uninsured motorist protection.
Required coverage
What are the four compulsory auto coverages in Massachusetts?
Bodily Injury to Others
At least $25,000 per person and $50,000 per accident for covered injuries you cause.
Personal Injury Protection
PIP can pay covered medical costs, lost wages and certain replacement services, up to the policy limit.
Bodily Injury Caused by an Uninsured Auto
At least $25,000 per person and $50,000 per accident for covered injuries caused by an uninsured or unidentified hit-and-run driver.
Damage to Someone Else’s Property
At least $30,000 per accident for covered property damage you cause.
A common misunderstanding
Do those four required coverages protect my own car?
Not in the usual way. Collision and comprehensive are separate coverages. They are optional under state law, although a lender or lease company can require them.
This is one reason two quotes can look similar at first and still be very different. One may include protection for your car while the other does not.
Compare correctly
What should I compare before I switch Massachusetts car insurance?
- The four compulsory coverages and their limits.
- Optional bodily injury coverage.
- Collision and comprehensive deductibles.
- Underinsured motorist coverage.
- Rental or substitute transportation.
- Towing or roadside coverage if you use it.
- The drivers and vehicles listed on the policy.
Use the same setup first. Then make changes on purpose so you can see what each change does to the price.
Minimum versus enough
Is the Massachusetts legal minimum enough?
The legal minimum answers what the state requires. It does not tell you how much risk you personally want to keep.
A serious injury or property loss can cost more than a minimum limit. Ask what higher limits would cost before deciding. Sometimes the extra protection costs less than people expect. Sometimes it does not. The point is to compare the real numbers.
Home insurance
What should Massachusetts homeowners compare?
Look at the dwelling limit, deductible, roof terms, water-related coverage, additional living expenses and whether personal property is settled at replacement cost or actual cash value.
See how to compare home insurance quotes without starting over
Primary sources
Massachusetts sources
Massachusetts Division of Insurance: Basics of Auto Insurance
Massachusetts Division of Insurance: Optional Auto Insurance Coverages
Related questions
What should you look at next?
Shopping next step
Ready to compare your options?
You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.
Start a Massachusetts auto request
Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.