Car insurance in Massachusetts (25/50/30)
- Minimum car insuranceSince July 1, 2025, Massachusetts requires bodily injury liability of $25,000 per person and $50,000 per accident and property damage liability of $30,000. Personal injury protection (PIP) of $8,000 per person and uninsured motorist coverage of $25,000/$50,000 are also compulsory; underinsured motorist coverage is optional. Source
- Fault systemMassachusetts is a no-fault state: your own PIP pays the first medical bills and lost wages, and you can sue for pain and suffering only if medical expenses exceed $2,000 or the injury is serious, such as permanent disfigurement or loss of sight or hearing. Source
Business insurance rules in Massachusetts
- Workers’ compensationAll Massachusetts employers must carry workers' compensation from the first employee, including family members who work for the business; there is no employee-count threshold or special construction rule. Sole proprietors, partners and LLC members may exempt themselves, and Massachusetts is not a monopolistic state. Source
- Contractor licensingContractors working on existing owner-occupied homes of one to four units must register as Home Improvement Contractors with the Office of Consumer Affairs and Business Regulation; registration includes a payment into a state Guaranty Fund rather than a license bond. Construction supervisors who oversee structural work hold a separate state Construction Supervisor License. Source
Home insurance in Massachusetts
- Home insurer of last resortCoastal homes face hurricane and nor'easter wind damage, and many insurers apply a separate wind deductible, often a percentage of the dwelling limit, in coastal areas of Bristol, Plymouth, Barnstable, Dukes and Nantucket counties. Source
High-value homes in Massachusetts.
Disasters, floods, hail, tornadoes and earthquakes in Massachusetts
| Measure | Massachusetts | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 19 | #40 of 51 | Most often for severe storm (9), snowstorm (3), flood (2). Essex County(in PMSA 1120,4160,7090) has been in 12 of them. |
| National Flood Insurance Program claims, 2005–2025 | 11,708 | #23 of 51 | $222.9 million paid; 24% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 49% | #9 of 50 | 26,563 policies for 53,794 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 256 | #38 of 51 | 3 of them 2 inches or larger. Largest stone 2 inches, Hampden County, August 2019. |
| Tornadoes, 2016–2025 | 36 | #37 of 51 | 0 rated EF2 or stronger; 200 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 0 | — | None of magnitude 4.0 or greater recorded in or near the state. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Massachusetts.
Worth knowing in Massachusetts
Massachusetts auto rates follow the state's Safe Driver Insurance Plan (SDIP), which adds surcharges for at-fault accidents and traffic violations and gives credits to drivers with clean records. The 2025 increase in required limits was the first in decades and took effect on each policy's new or renewal date on or after July 1, 2025.
Massachusetts’s insurance regulator
Insurance in Massachusetts is regulated by the Massachusetts Division of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Massachusetts (NPN 21022298), so requests from Massachusetts are handled by him directly.
Common questions
What is the minimum car insurance in Massachusetts?
Since July 1, 2025, Massachusetts requires bodily injury liability of $25,000 per person and $50,000 per accident and property damage liability of $30,000. Personal injury protection (PIP) of $8,000 per person and uninsured motorist coverage of $25,000/$50,000 are also compulsory; underinsured motorist coverage is optional.
Is Massachusetts a no-fault state?
Massachusetts is a no-fault state: your own PIP pays the first medical bills and lost wages, and you can sue for pain and suffering only if medical expenses exceed $2,000 or the injury is serious, such as permanent disfigurement or loss of sight or hearing.
Do employers in Massachusetts need workers’ comp?
All Massachusetts employers must carry workers' compensation from the first employee, including family members who work for the business; there is no employee-count threshold or special construction rule. Sole proprietors, partners and LLC members may exempt themselves, and Massachusetts is not a monopolistic state.
What can a Massachusetts homeowner do if no insurer will write the house?
Coastal homes face hurricane and nor'easter wind damage, and many insurers apply a separate wind deductible, often a percentage of the dwelling limit, in coastal areas of Bristol, Plymouth, Barnstable, Dukes and Nantucket counties.
Sources
- Massachusetts: Minimum car insurance
- Massachusetts: Fault system
- Massachusetts: Workers’ compensation
- Massachusetts: Home insurer of last resort
- Massachusetts: Contractor licensing
- Massachusetts: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.