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What is the Massachusetts Automobile Insurance Plan (MAIP)?

Learn more about the Massachusetts Automobile Insurance Plan (MAIP), including how to get coverage and eligibility requirements.


Are you having a hard time finding an auto insurance company to cover you? If so, the Massachusetts Automobile Insurance Plan (MAIP) will set you up with an insurer. MAIP is not an insurance company, but a program approved by the Massachusetts Division of Insurance. The program assigns high-risk drivers to an MA insurer if they’re unable to access car insurance on their own. MAIP’s goal is to make sure all state drivers are insured on the road. Find out more about this program in this article, including:

How to get coverage through MAIP

Here’s how to get coverage with the Massachusetts Automobile Insurance Plan:

  • Try to find coverage in the voluntary market. Before you can apply to MAIP, you’ll need to try to get coverage in the regular insurance market. If you’re rejected from several insurers, an insurance agent can apply on your behalf to MAIP.
  • Your application is designated to an Assigned Risk Company. All companies in MA licensed to sell private passenger auto insurance must take part in the MAIP as an Assigned Risk Company (ARC). These are the same companies selling insurance in the voluntary market.
  • Insurance is provided to you by the ARC that receives your policy. This coverage is like the policies offered to those in the voluntary market. If it was an agent who submitted your application, the agent will continue to manage your policy, regardless of your ARC.

To learn more, call the Massachusetts Division of Insurance at: (617) 521-7794


MAIP is available to all state residents, or non-residents with cars registered in the state. Military non-residents stationed in Massachusetts are also eligible for MAIP, even if their vehicle is registered in a different state.

You may be considered a high-risk driver for not paying your premium on time, having poor credit, being a bad driver, and more. You’re going to need to prove you’ve been rejected by several insurers before you can get coverage through MAIP.

If you do not have a valid driver’s license, or if your license is suspended or revoked, an ARC can refuse you insurance. Your application may also be denied because of errors, but you can always apply again with accurate information. You are not eligible for MAIP if you have failed to pay your auto insurance provider in the past 12 months. You’ll have to pay off that bill before you can apply to the program. If you want physical damage insurance but refuse inspection from an insurance representative, you’re not eligible for MAIP.

MAIP coverage limits

As a high-risk driver eligible for MAIP, you’re entitled to the same coverage available in the voluntary marketplace. The difference is that your insurance rates could be higher, and your ARC could refuse to offer you physical damage insurance. Physical damage insurance includes collision and comprehensive coverage. Those policy types could be denied to you because of your claims history or convictions for operating under the influence (OUIs).

If your license is suspended or revoked, your ARC could deny your policy renewal. Otherwise, they are required to insure you for three years straight. Keep in mind though, that coverage through MAIP is more expensive than coverage in the voluntary market. You should continue to apply to insurers outside of the program to find lower premiums. But note that terminating a policy early will likely result in a cancellation fee.

These are the mandatory coverages that your ARC will provide, along with MAIP maximum limits:

Coverage Type MAIP max. limits unless requested otherwise
Bodily Injury Liability $250,000 each person, $500,000 each accident
Personal Injury Protection $8,000 per person, per accident
Property Damage Liability $250,000 each accident
Medical Payments $25,000 each person
Uninsured Motorists $250,000 each person, $500,000 each accident for bodily injury
Underinsured Motorists $250,000 each person, $500,000 each accident for bodily injury
Towing and Labor $100 per disablement
Substitute Transportation $100 per day, 30-day max.

MAIP payment plans

There are several factors that your ARC will consider pricing your MAIP policy. As a high-risk driver, you’ll likely be facing higher premiums. Your ARC also must compare your would-be voluntary rate to the MAIP rate you would get and give you the cheaper rate. Still, rates will likely be higher than they would in the voluntary marketplace.

There are also several payment plans available in Massachusetts. These options include:

  • Pay the full premium at once.
  • Pay 25 percent of the premium at once, then the rest in 10 installments. Each payment will have a small service fee attached.
  • If you’re renewing your plan, pay 20 percent upfront, then the rest in 10 installments. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.