Uninsured Motorist Coverage — Massachusetts
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Massachusetts Requires Uninsured Motorist Coverage
Massachusetts law mandates uninsured motorist coverage on every auto insurance policy issued in the state. If you insure two or more vehicles, the requirement applies to your entire policy — you cannot decline uninsured motorist coverage to reduce your premium, and you cannot remove it from individual vehicles on a multi-car policy.
This mandate exists because 7.9% of Massachusetts motorists drive uninsured. The state requires carriers to include uninsured motorist bodily injury coverage at limits matching your liability coverage, ensuring you have protection when an at-fault driver carries no insurance. The requirement is non-negotiable and applies whether you own one car or five.
“Massachusetts mandates uninsured motorist coverage on every policy — you cannot decline it to reduce your premium.”
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Massachusetts Uninsured Motorist Rate
Nearly one in twelve Massachusetts drivers operates without insurance. The state's mandatory uninsured motorist coverage requirement protects you when one of these drivers causes an accident and cannot pay for your injuries.
Insurance Information Institute, 2023
How the Mandate Works on Multi-Vehicle Policies
Uninsured motorist coverage on a Massachusetts multi-car policy protects every listed driver and every listed vehicle. The coverage limit you select applies per accident, not per vehicle.
When you add a second or third vehicle to your policy, the uninsured motorist coverage extends automatically to the new vehicle at your existing limits. You do not pay separately for uninsured motorist coverage on each car — the premium reflects your total household exposure across all vehicles and drivers on the policy.
Massachusetts also requires underinsured motorist coverage, which pays when an at-fault driver carries liability insurance but not enough to cover your injuries. Both coverages are mandatory and cannot be waived or reduced below your liability limits.
You cannot decline uninsured motorist coverage in Massachusetts. Every carrier writing auto insurance in the state must include it at limits matching your liability coverage.
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Matching Liability and Uninsured Motorist Limits
Massachusetts requires your uninsured motorist bodily injury limits to equal your liability limits. If you carry the state minimum liability coverage of $25,000 per person and $50,000 per accident, your uninsured motorist coverage must be $25,000/$50,000.
This matching requirement prevents gaps in protection. A household insuring three vehicles with higher liability limits receives the same higher uninsured motorist limits across all three cars. The premium for uninsured motorist coverage scales with your liability limits, not with the number of vehicles on your policy.
Carriers cannot offer you lower uninsured motorist limits to reduce your premium. The only way to lower the uninsured motorist portion of your premium is to reduce your liability limits, which also reduces your protection when you cause an accident.
$25,000 / $50,000
Massachusetts Minimum Liability Limits
Massachusetts requires $25,000 bodily injury coverage per person and $50,000 per accident, plus $30,000 property damage coverage. Your uninsured motorist coverage must match the bodily injury minimums at a floor.
Massachusetts state minimum liability requirements
Comparing Carriers for Multi-Vehicle Policies
Every carrier writing auto insurance in Massachusetts includes mandatory uninsured motorist coverage, but premium varies by carrier based on how they rate multi-vehicle households. Some carriers offer larger multi-car discounts; others price the second and third vehicle more favorably from the start. The uninsured motorist portion of your premium is a fixed percentage of your liability premium, so the carrier with the lowest liability rate typically delivers the lowest uninsured motorist cost as well.
When comparing quotes for a multi-vehicle policy, confirm that each quote includes uninsured and underinsured motorist coverage at limits matching your liability coverage. If a quote appears unusually low, verify the carrier has not reduced your liability limits to lower the premium — that reduction also lowers your uninsured motorist protection.
Compare Massachusetts Carriers for Your Household
Massachusetts mandates uninsured motorist coverage on every auto policy, and the requirement applies to all vehicles you insure. You cannot decline it, and you cannot remove it from individual cars on a multi-vehicle policy. The coverage protects you when an at-fault driver has no insurance, and it scales with your liability limits. Compare carriers that write multi-vehicle policies in Massachusetts to find the policy that fits your household's coverage structure and budget.
What Uninsured Motorist Coverage Pays For
The coverage pays medical bills, lost wages, and pain and suffering damages after an accident caused by an uninsured driver. It also covers hit-and-run accidents where the at-fault driver cannot be identified. If you or a household member is injured while riding in another vehicle or as a pedestrian struck by an uninsured driver, your uninsured motorist coverage applies.
Massachusetts does not require uninsured motorist property damage coverage. The mandatory coverage protects against bodily injury only. If an uninsured driver damages your vehicle, you file a claim under your own collision coverage if you carry it, or you pursue the at-fault driver directly in small claims court.
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Get My Massachusetts Car Insurance QuoteFrequently Asked Questions
Can I waive uninsured motorist coverage in Massachusetts?
No. Massachusetts law requires uninsured motorist bodily injury coverage on every auto insurance policy issued in the state. You cannot waive it, decline it, or remove it from your policy to lower your premium.
Does uninsured motorist coverage apply to all vehicles on a multi-car policy?
Yes. Uninsured motorist coverage on a Massachusetts multi-car policy protects every listed vehicle and every listed driver. The coverage limit applies per accident, not per vehicle, and extends automatically when you add a car to your policy.
What limits are required for uninsured motorist coverage in Massachusetts?
Massachusetts requires your uninsured motorist bodily injury limits to match your liability limits. If you carry $25,000 per person and $50,000 per accident in liability coverage, your uninsured motorist coverage must be $25,000/$50,000.
Does Massachusetts require uninsured motorist property damage coverage?
No. Massachusetts requires uninsured motorist bodily injury coverage but does not mandate uninsured motorist property damage coverage. If an uninsured driver damages your vehicle, you file under your own collision coverage or pursue the driver directly.
How does uninsured motorist coverage affect my premium on a multi-car policy?
Uninsured motorist coverage is a fixed percentage of your liability premium. The premium reflects your total household exposure across all vehicles and drivers on the policy, not a separate charge per vehicle. Lowering your liability limits lowers your uninsured motorist premium but also reduces your protection.