Significant changes to the minimum car insurance coverage Massachusetts drivers must carry went into effect on July 1, 2025. These changes impose substantial increases in the mandatory minimum liability coverage and apply to all new and renewing policies on or after the effective date. Learn more about how these changes will impact you and what steps you must take to comply.
- Massachusetts’ mandatory minimum for bodily injury and uninsured motorist insurance coverage has risen 25% to $25,000 per person and $50,000 per accident.
- The minimum limit for property damage coverage has risen to $30,000—a $25,000 increase.
- The mandatory minimum for personal injury protection coverage, or PIP, remains at $8,000 per person.
- Driving with outdated limits can result in fines, license and registration suspension, and personal financial responsibility for damages exceeding your policy.
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What Are the Updated Minimum Car Insurance Requirements in Massachusetts?
The minimum car insurance limits in Massachusetts have increased. The new minimum required coverage for Massachusetts drivers includes the following:
- Bodily Injury to Others: $25,000 per person and $50,000 per accident
- Bodily Injury Caused by Uninsured Auto: $25,000 per person and $50,000 per accident
- Damage to Someone Else’s Property: $30,000 per accident
- Personal Injury Protection remains at $8,000 per person
These changes apply to all policies written or renewed after July 1, 2025.
Why Did Massachusetts Change Its Minimum Car Insurance Requirements?
Changes in insurance requirements typically occur to account for inflation, increased medical costs, and the need to ensure accident-related expenses are sufficiently covered by insurance.
How Do the New Minimum Limits Compare to the Old Ones?
The primary difference between Massachusetts’ 2024 and 2025 limits is the increased minimum policy limits for bodily injury, uninsured motorist, and property damage coverage.
Bodily injury liability has increased by 25% both per person and per accident. This means significantly greater coverage for injuries to others on the road. In addition, property damage liability has skyrocketed from $5,000 to $30,000—a massive increase that better protects against high-cost property damage scenarios.
Meanwhile, the increase in uninsured motorist coverage is aligned with the bodily injury liability limit—a 25% rise. However, PIP coverage remains unchanged at $8,000.
Will You Need To Update Your Insurance Coverage?
The changes apply to all new and renewing policies on or after July 1, 2025. If you have a current policy on the effective date, you do not have to update the coverage until it is up for renewal. At that time, you will need to comply with the increased mandatory minimum coverage limits. However, we encourage you to review your coverage levels with your insurer before then to avoid any surprises regarding increased premiums.
What Happens if My Policy Is Not Updated by July 1, 2025?
If your Massachusetts auto insurance policy is not updated to meet the new minimum limits when required, you could face several legal and financial consequences:
Being Out of Compliance With State Law
State law will require all active auto insurance policies to meet the new minimum liability limits as of July 1, 2025. If your policy still reflects the old limits, you are technically underinsured, even if you have been making payments.
Possible Penalties
Driving without the proper coverage can result in monetary fines. Similarly, the Registry of Motor Vehicles may suspend your driver’s license or vehicle registration until you can show proof of compliant coverage. You may also need to pay reinstatement fees and provide proof of insurance before your driving privileges are restored.
Gaps in Financial Protection
If you are liable for an accident after July 1, 2025, and your coverage is below the new minimum, your insurer may only pay out up to your lower limits. In addition, you could be personally responsible for paying the difference between your coverage and the actual damages.
How Will This Impact Car Accident Claims in Massachusetts?
These policy changes directly impact car accident claims in Massachusetts. With the minimum bodily injury and property damage liability limits increasing significantly, injured parties could recover greater compensation under the at-fault driver’s insurance. These coverage increases can make it easier to recover damages for medical bills, repair costs, pain and suffering, and other losses without resorting to litigation.
DiBella Law Injury and Accident Lawyers Can Help After a Crash
If you or your loved one has been in an auto collision, it is vital to have a knowledgeable car accident lawyer’s help in navigating your claim. DiBella Law has deep experience handling a variety of car, truck, and motorcycle accident cases.
Contact us today for a free consultation.