Massachusetts Auto Insurance

If your home is in Boston, Martha’s Vineyard or anywhere in between, SafeAuto wants to help you find the cheapest auto insurance in your area. While SafeAuto does not currently offer coverage directly in Massachusetts, we can still help you find the affordable coverage you need.

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Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 20/40/5 or 20,000/40,000/5,000

Massachusett’s Financial Responsibility law requires you to maintain liability limits of at least:

  • $20,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $40,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $20,000 per person limit.

  • $5,000 | Property Damage

    The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.


Under Massachusetts law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.

Car insurance companies are required to notify the Massachusetts Registrar of Motor Vehicles whenever the insured fails to maintain an insurance policy. The Registrar will then advise law enforcement authorities, and your vehicle registration and license plates can then be seized.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, with fines ranging from $500 to $5,000 and/or imprisonment of up to one year.

Related Links:

Maryland Motor Vehicle Administration

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at