Massachusetts law requires that all cars have insurance on them with the minimum limits of $20,000/$40,000 for bodily injury and $5000 for property damage.

Compulsory motor vehicle liability insurance is discussed in chapter 90: Section 34J of the General Laws of Massachusetts. Here it states that being without insurance on a motor vehicle is punished by a fine not less than $500 nor more than $5000 or by imprisonment for not more than 1 year or both the fine and jail time.

The law goes on to say that any person convicted of being uninsured shall be liable for the amount greater of $500 or 1 year's premium for compulsory motor vehicle insurance for the highest rated territory and class or risk in effect at the time of the commission of the offense.

A person cited for driving without insurance may also have their driver's license suspended for 60 days by the Registry of Motor Vehicles and likely their registration and tags to the vehicle suspended as well.

Massachusetts is one of the most highly regulated states in the union. This causes much higher rates and less options for most consumers.

For a quote and more information about Massachusetts automobile insurance, follow this link. Your rates may be higher due to your lapse in coverage but you should be able to find insurance to cover your vehicle. If you are unable to find insurance company to offer you coverage, then contact the MA Division of Insurance for consumer help.