Massachusetts Auto Insurance regulations:

Massachusetts is a no fault state, this requires that every driver carry personal injury protection. The required personal injury protection is $8,000 per person. Massachusetts also requires uninsured motorist bodily injury coverage with state minimums at 20/40, $20,000 per person injured, up to $40,000 total.

Rates are determined by the driving habits of the drivers within a state. The state's liability minimums requirements are 20/40/5. That is $20,000 per individual for bodily injuries you cause to the other persons, and up to $40,000 for all, and $5,000 for damage you cause to the other party's personal property. Massachusetts determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.