A Massachusetts auto policy must include liability insurance with at least the following limits:
- $20,000 of bodily injury to others coverage per person
- $40,000 of bodily injury coverage per incident
- $5,000 of property damage coverage per incident
Bodily injury to others coverage can help financially safeguard you if you're found at fault in an accident that results in injury to another driver — but only if the incident happens in Massachusetts. It's important to note that your passengers would be excluded from this coverage.
If you'd like monetary protection for at-fault, out-of-state incidents, optional bodily injury to others can help pay for things like legal liability, lost wages, medical bills, and more (and it also extends coverage to your passengers).
Uninsured motorist coverage
Massachusetts also requires its drivers to carry uninsured motorist coverage (bodily injury only) with the same minimum limits as bodily injury liability (20/40). If you're in an accident with an uninsured driver, having this coverage as part of your Massachusetts auto policy can help pay medical expenses, lost wages, and injury-related fees.
Personal injury protection (PIP)
This is the last coverage requirement for car insurance in Massachusetts (we swear). Drivers need to carry at least $8,000 of personal injury protection, which can help pay for medical expenses if you or a passenger is injured in a car accident, regardless of fault.
Esurance offers the following additional protections to help you round out your Massachusetts auto policy:
- Limited collision
- CarMatch Rental Coverage®
- Customized parts and equipment
- Auto loan/lease (or "gap")
- Optional bodily injury to others (OBI)
- Medical payments
- Underinsured motorist bodily injury
- Towing and labor