About $295 a month
Commercial auto
Insureon average for Massachusetts customers, updated March 2026
Massachusetts · state requirements
Commercial auto insurance in Massachusetts
For Massachusetts contractors, service businesses and small fleets: the compulsory limits that rose in 2025, how PIP and the RMV work, USDOT rules and what coverage costs.
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What similar businesses pay
- Commercial auto
- About $295 a month
- Business auto, per vehicle
- $276 a month
- Contractor vehicles, per vehicle
- $260 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Massachusetts costs
$276 a month
Business auto, per vehicle
Progressive Commercial 2025 average for new Massachusetts policies
$260 a month
Contractor vehicles, per vehicle
Progressive Commercial 2025 average for new Massachusetts policies
Insureon’s Massachusetts average works out to $3,536 a year, drawn from customers who bought through it, most with fewer than five employees. Progressive’s 2025 figures are per vehicle on new policies with liability, physical damage and no driver violations. Progressive notes that a vehicle garaged in Boston usually costs more than one in Pittsfield, and that 25/50/30 minimum limits cost less than a $1 million combined single limit. A one- or two-vehicle business with clean drivers can expect a bill near these averages; heavier trucks, a statewide radius or driver violations push it higher.
What moves your price
- Garaging location: Progressive says Boston usually rates higher than Pittsfield
- Your limits, from the 25/50/30 minimum to $1 million
- Your trade, such as hauling tools to job sites every day
- Travel radius: one city rates lower than the whole state
- Three years of driving history for every listed driver
- Vehicle weight and value, and whether you add physical damage
- Claims history and any past lapse in coverage
Massachusetts
What’s different in Massachusetts
The minimums rose to 25/50/30 in July 2025
Chapter 275 of the Acts of 2024 raised the floor for policies written or renewed on or after July 1, 2025, the Division of Insurance says: $25,000 per person and $50,000 per accident for injuries and $30,000 for property damage, up from 20/40/5. Commercial policies are included. $30,000 is still the most the policy pays for everything you damage in one crash.
PIP pays first, but not for your employees
Every policy carries $8,000 of personal injury protection per person, paid regardless of fault to the driver, passengers and pedestrians your vehicle hits. Under MGL chapter 90, section 34A, PIP does not pay anyone entitled to workers’ compensation, so an employee hurt driving your van on the job is a workers’ comp claim.
A fracture opens the door to a pain and suffering claim
Under MGL chapter 231, section 6D, someone injured by your vehicle can recover for pain and suffering only if medical bills exceed $2,000 or the injury involves a fracture, death, loss of a body member, permanent serious disfigurement or certain loss of sight or hearing. Above that line, your liability limits carry the claim.
Letting an uninsured vehicle be driven is a crime
MGL chapter 90, section 34J covers whoever operates or permits the operation of an uninsured vehicle: a fine of $500 to $5,000, up to a year in a house of correction or both. A conviction also suspends the license for 60 days, or a year for a second offense within six years.
A cancellation revokes the registration
Insurers must give 20 days’ written notice to cancel and report commercial policies to the RMV electronically. Under chapter 90, section 34H, the RMV revokes the registration on the cancellation date unless new coverage is certified at least two days before.
In-state trucks need a USDOT number
Since September 1, 2018, 540 CMR 2.22 has required a USDOT number on intrastate vehicles rated at 10,001 pounds or more, placarded hazmat vehicles of any weight and vehicles built for more than 15 passengers. A state notice warns that going without can bring civil fines and out-of-service orders.
Coverage
Coverage Massachusetts businesses need
Bodily injury to others
Compulsory at $25,000 per person and $50,000 per accident. Pays people your driver injures, after PIP.
How commercial auto works →Damage to someone else’s property
Compulsory at $30,000 per accident. Pays for the vehicles, fences and storefronts your vehicle damages.
How commercial auto works →Personal injury protection
Compulsory at $8,000 per person. Pays medical bills incurred within two years and part of lost wages, whoever caused the crash.
How commercial auto works →Uninsured motorist
Compulsory at $25,000 per person and $50,000 per accident. Pays for injuries caused by an uninsured or hit-and-run driver.
How commercial auto works →Optional bodily injury and higher limits
Raises injury and property limits above the minimums, for example to a $1 million combined single limit.
How commercial auto works →Underinsured motorist
Optional. Pays when the at-fault driver carries too little; under the residual market’s rules it cannot exceed your optional bodily injury limits.
How commercial auto works →Collision and comprehensive
None of the compulsory coverages repairs your own vehicle. Collision and comprehensive do, subject to your deductible.
How commercial auto works →Workers’ compensation
PIP excludes people entitled to workers’ comp, so this is the policy that pays employees hurt in your vehicles on the job.
How workers’ compensation works →Rules
Massachusetts requirements
Every vehicle registered in Massachusetts, personal or commercial, must carry the compulsory coverages in MGL chapter 90, section 34A, at the limits below for policies written or renewed since July 1, 2025.
| Requirement | Applies to | What it means |
|---|---|---|
| Bodily injury to others | Every vehicle registered in Massachusetts | $25,000 per person and $50,000 per accident, per Chapter 275 of the Acts of 2024 and Division of Insurance Filing Guidance Notice 2025-A. |
| Damage to someone else’s property | Every vehicle registered in Massachusetts | $30,000 per accident, up from $5,000, per Division of Insurance Filing Guidance Notice 2025-A. |
| Personal injury protection | Every vehicle registered in Massachusetts | $8,000 per person regardless of fault; not paid to anyone entitled to workers’ comp (MGL c. 90, s. 34A). |
| Uninsured motorist | Every vehicle registered in Massachusetts | $25,000 per person and $50,000 per accident, per Division of Insurance Filing Guidance Notice 2025-A. |
| Cancellation and registration | Owners whose policy is cancelled | 20 days’ written notice (MGL c. 175, s. 113A); the RMV revokes the registration on the cancellation date unless new coverage is certified two days before (MGL c. 90, s. 34H). |
| Penalty for driving uninsured | Anyone who drives or permits driving of an uninsured vehicle | A fine of $500 to $5,000, up to one year in a house of correction or both; a conviction also brings a 60-day license suspension (MGL c. 90, s. 34J). |
| Intrastate USDOT number | Vehicles of 10,001 lb or more, placarded hazmat vehicles and vehicles for more than 15 passengers | Must display a USDOT number, free from FMCSA, under 540 CMR 2.22(2), in force since September 1, 2018. |
| Owner’s name on for-hire trucks | Trucks carrying goods for hire with 2,000 to 10,000 lb load capacity | Owner’s name on each side, legible from 50 feet, under 540 CMR 2.22(1)(b). |
| Federal interstate minimum | Semis and other large trucks traveling interstate | FMCSA typically requires a $750,000 combined single limit, as Progressive Commercial summarizes. |
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Pay less
How to lower the cost
- List the true garaging address and radius for each vehicle: Progressive rates a route inside one city lower than one covering the whole state.
- Hire drivers with clean records; Progressive says insurers usually review the last three years for everyone on the policy.
- If a vehicle will sit unused, return its plates to the RMV instead of letting the policy cancel; the RMV says returning plates stops the revocation process.
- Replace a cancelled policy before the cancellation date: a section 34J conviction also brings a payment of $500 or a year’s premium, whichever is greater.
- Raise collision and comprehensive deductibles on older vehicles you could afford to repair yourself.
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Massachusetts registrations and the garaging address of each vehicle
- Vehicle list with VINs, weight ratings, values and any lienholder
- Driver list with license numbers, dates of birth and three years of driving history
- USDOT number if any vehicle is 10,001 lb or more or carries placarded hazmat
- What each vehicle does and how far it travels
- Current declarations page and loss runs from prior insurers
- Limits your customers or contracts require on certificates
- Whether employees drive their own cars for work
Common questions
Commercial auto insurance in Massachusetts: questions
What are the minimum commercial auto limits in Massachusetts?
For policies written or renewed on or after July 1, 2025: 25/50 for bodily injury, $30,000 for property damage, $8,000 of PIP per person and 25/50 uninsured motorist, per the Division of Insurance.
Does Massachusetts PIP cover my employees?
Not when they are entitled to workers’ compensation. MGL chapter 90, section 34A excludes them from PIP, so an employee hurt in your vehicle on the job claims through workers’ comp.
Do I need a USDOT number if I only drive in Massachusetts?
Yes if the vehicle has a weight rating of 10,001 pounds or more, carries placarded hazardous materials or is built for more than 15 passengers, under 540 CMR 2.22. The number is free from FMCSA.
Can my business be charged if an employee drives an uninsured company vehicle?
Section 34J applies to whoever operates or permits the operation of an uninsured vehicle. The penalty is a fine of $500 to $5,000, up to a year in a house of correction or both.
What if no insurer will cover my business vehicles?
Massachusetts has a residual market run by Commonwealth Automobile Reinsurers. Under its rules, the servicing carrier must also offer higher limits, including optional bodily injury up to $1 million.
Can someone sue my business for pain and suffering after a crash?
Only if their medical expenses exceed $2,000 or the injury involves a fracture, death, loss of a body member, permanent serious disfigurement or certain sight or hearing loss, under MGL chapter 231, section 6D.
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Sources (11)
- Massachusetts Division of Insurance: Filing Guidance Notice 2025-A, new motor vehicle mandatory coverage limits (January 29, 2025)
- MGL chapter 90, section 34A: compulsory coverage and PIP
- MGL chapter 90, section 34H: revocation of registration on cancellation
- MGL chapter 90, section 34J: operating without insurance
- MGL chapter 231, section 6D: pain and suffering threshold
- Massachusetts RMV: guidelines for reporting insurance policies to the RMV (2014)
- Massachusetts State Police: notice on the intrastate USDOT number requirement (2018)
- 540 CMR 2.22: markings on commercial vehicles (Cornell LII)
- Commonwealth Automobile Reinsurers: Massachusetts commercial automobile insurance manual (December 2023)
- Insureon: commercial auto insurance in Massachusetts (updated March 2026)
- Progressive Commercial: Massachusetts commercial auto insurance (2025 averages)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.