Massachusetts High-Risk Auto Insurance & Points
Massachusetts requires 25/50/30 liability coverage and is a no-fault state.
Find Coverage with Points on Your LicenseMassachusetts at a Glance
25/50/30
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Massachusetts
The state operates under a unique Safe Driver Insurance Plan (SDIP) that assigns points for violations and at-fault accidents, which directly increase insurance premiums through mandatory surcharges. Unlike most states, Massachusetts does not use SR-22 certificates—instead, the Registry of Motor Vehicles (RMV) tracks insurance compliance electronically and assigns surcharges that carriers must apply for up to 6 years after a violation.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Full Coverage (Comprehensive and Collision)
What Drivers Pay in Massachusetts
$226–$268/mo
Typical monthly rate in Massachusetts, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SDIP points and surcharge percentage: each point adds a fixed surcharge that compounds across all coverages
- Type of violation: DUI and leaving the scene carry 5-point assignments and 6-year surcharge periods
- Number of surchargeable events within 6 years: points are cumulative, and 7+ events trigger license suspension
- Territory rating: Boston, Worcester, and Springfield typically carry higher base rates before surcharges are applied
- Carrier willingness: some carriers exit or limit new business for drivers with 4+ points, forcing placement into residual market or specialty carriers
- Time since violation: surcharges remain at full percentage for 6 years but may reduce after 3 years with some carriers
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Massachusetts minimums (20/40/5) are low—most carriers writing high-risk drivers require or strongly recommend 50/100/25 or higher to reduce their exposure and meet underwriting guidelines.
Full Coverage
Combines liability, comprehensive, and collision coverage to protect both your legal obligation and your vehicle. Required by lenders for financed or leased vehicles.
Non-Standard Auto Insurance
Specialty coverage for drivers with violation history, DUIs, or multiple at-fault accidents who cannot obtain standard market policies. Non-standard carriers in Massachusetts include Safety Insurance, Plymouth Rock, and Commerce Insurance, all of which write high-risk profiles.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries. Massachusetts requires UM coverage at the same limits as your liability policy.
Personal Injury Protection (PIP)
Mandatory no-fault medical and wage loss coverage in Massachusetts. Pays up to $8,000 in medical expenses and lost wages regardless of who caused the accident.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, minus your deductible. Not required by the state but required by lenders.