Massachusetts Car Insurance Minimums Are Changing: Here’s What You Need to Know

Massachusetts Minimum Coverage Requirements Are Increasing

Starting July 1, 2025, the Commonwealth of Massachusetts is raising its mandatory auto insurance liability limits. This change affects all drivers across the state, especially those who currently carry the minimum legal coverage.

What Are State Minimum Auto Insurance Limits?

State minimums are the lowest levels of liability coverage you're legally required to carry to drive in Massachusetts. These cover damage or injuries you cause to others in an accident, but they do not cover your own vehicle. They exist to ensure that every driver has at least some protection in place, but minimum coverage is unlikely to provide sufficient coverage to protect your financial future.

Current vs. New Massachusetts Auto Insurance Minimums

As of today, the mandatory minimums in Massachusetts include:

• Bodily Injury to Others: $20,000 per person / $40,000 per accident
• Property Damage Liability: $5,000
• Personal Injury Protection (PIP): $8,000
• Uninsured Motorist Coverage: $20,000 per person / $40,000 per accident

These limits have remained unchanged for decades, despite rising medical bills, auto repair costs, and lawsuit settlements.

As of July 1, 2025, the expected changes include:

• Bodily Injury to Others: Increasing to $25,000 per person / $50,000 per accident
• Property Damage: Increasing to at least $30,000
• Personal Injury Protection (PIP): unchanged
• Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident

How These Changes May Affect You

If you currently carry the state minimum coverage, your policy will likely be automatically adjusted at your next renewal. This may come with a small premium increase. However, if you already carry higher liability limits, as many Oak Grove Insurance clients do, you may see little or no change.

The key point is this: even the new minimums still fall short of what most drivers need in a serious accident. Just one moderate injury or car repair bill can exceed $50,000. If your policy doesn’t cover it, your savings and income could be at risk.

Recommended Coverage Levels for Massachusetts Drivers

At Oak Grove Insurance, we rarely recommend minimum coverage, especially for homeowners or families with financial assets to protect. Here’s what we typically suggest:

• Bodily Injury Liability: $100,000/$300,000 or $250,000/$500,000
• Property Damage Liability: $100,000 or more
• Umbrella Policy: At least $1 million for clients with significant savings, home equity, or retirement accounts

If you don't own a home, but your savings and retirement savings is more than $25,000, then these new state minimum coverage requirements are insufficient for your needs.

These coverage levels are designed to protect not just your vehicle, but your long-term financial security.

Why Optional Coverages Matter

State minimums don’t include any protection for your own vehicle. That’s where optional coverages like collision and comprehensive come in—and they’re essential for most Massachusetts drivers.

• Collision Coverage: Pays to repair your car if you’re in an accident, regardless of fault. Required by lenders for leased or financed vehicles.
• Comprehensive Coverage: Covers damage from non-collision events like theft, fire, fallen trees, animal strikes, and vandalism.

If your car is worth more than a few thousand dollars—or you’d struggle to replace it out of pocket—these coverages are smart to have.

Now Is the Time to Review Your Policy

This change in state minimums is a great reason to take a closer look at your policy. Do your current coverages reflect the value of your home, your car, and your financial future? Don’t wait until after a claim to find out.

At Oak Grove Insurance, we offer no-pressure coverage reviews for Massachusetts drivers. Whether you’re a client or not, we’re happy to help you understand what you have—and what your options are.

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