Insurance requirement guides for Massachusetts.
$25,000 / $50,000 / $30,000
Bodily injury per person / per accident / property damage, written 25/50/30
Set by Ch. 275, Acts of 2024 (M.G.L. c.90 § 34A). Read off the statute on , and the figure every Massachusetts guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Massachusetts has no state boat insurance mandate, but marina agreements in Boston Harbor, Cape Cod Bay, and Nantucket Sound commonly require liability cover.
One change on 1 July 2025 took Massachusetts riders from the lowest property-damage floor in New England to the highest — $5,000 to $30,000 — while PIP still does not apply to them.
Massachusetts raised its minimums on 1 July 2025 for the first time since 1988. Property damage went from $5,000 to $30,000 — a sixfold jump — while PIP did not move at all.
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Every guide on this page covers a Massachusetts requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Massachusetts guide on this site is checked against that same figure. The regulators linked above are where Massachusetts publishes the rules, so they are the place to confirm anything before you rely on it.
