Massachusetts law about auto insurance

A compilation of laws, regulations, cases, and web sources on motor vehicle insurance law.

Table of Contents

Best bet

Automobile Insurance, Mass. Office of Consumer Affairs
Includes Buying Auto Insurance, Mandatory Coverages, Discounts, Surcharge Appeals, Insurance Cancellation Appeals, RMV appeals, and more.

Massachusetts laws

MGL c.90, s.34A-34R Compulsory Motor Vehicle Liability Insurance

MGL c.175, s.4E Prohibits use of credit information in issuing or renewing auto insurance

MGL c.175, s.113A-113U Compulsory Motor Vehicle Liability Insurance

  • MGL c.175, § 113B 1/2 as added by St.2017, c.47, §76 No motor vehicle liability policy, as defined by section 34A of chapter 90, shall apply an increase in premium as a result of an at-fault accident that does not satisfy the criteria for a minor or major accident. 

Massachusetts regulations

211 CMR 74 Standards of fault to be used by the Board of Appeal on Motor Vehicle Liability Policies and Bonds and insurers in presuming fault when making at fault determinations
Lists motor vehicle accident "situations in which fault is presumed to be more than 50%."

211 CMR 79 Private passenger motor vehicle insurance rates
Managed competition insurance rate regulations cover policies with renewal dates beginning April 1, 2008

211 CMR 88 Procedures for the appeal of Safe Driver Insurance Plan (SDIP) motor vehicle accident surcharges and for conduct of SDIP motor vehicle accident surcharge hearings

211 CMR 134 Safe driver insurance plan
Lists minor and major traffic accidents and offenses which subject the violator to "points" on their auto insurance

211 CMR 135 Requirements regarding referrals to motor vehicle glass repair shops

Selected case law

Oliviera v. Commerce Insurance Co., 94 Mass. App. Ct. 276 (2018)
Detailed discussion of the meaning of the phrase "related by blood" in auto insurance coverage for a household member.

Web sources



Within Massachusetts only

Within Massachusetts only


Reference librarians online Chat with a law librarian 
Reference librarians via email


Administrative office (no law library at this location)
2 Center Plaza
9th Floor
Boston, MA 02108
Last updated: February 15, 2019