Statutory Minimum Coverage Limits to Increase - January 10, 2025

On December 23, 2024, the Massachusetts Governor signed House Bill 5111 – An Act relative to motor vehicle insurance, which increased the minimum coverage limits of insurance for the following mandatory coverages:

  • Bodily Injury Coverage increases from $20,000 per person/$40,000 per accident to $25,000 per person/$50,00 per accident
  • Property Damage increases from $5,000 to $30,000

These changes apply to policies issued on or after July 1, 2025.

The change to the minimum mandatory coverage limits will have impacts to company policy processing, underwriting and reporting systems. CAR is working with the Automobile Insurers Bureau and the Division of Insurance to provide instructional and helpful information relative to the impacts to the increase in the minimum limits of coverage. CAR Committees will review changes needed to CAR's underwriting and reporting systems in the upcoming weeks and will distribute more information as decisions are finalized.

 
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