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Third number: Property damage liability maximum for one accident. For example, if you live in California, the minimum liability limits are $15,000 for injury liability for one person, $30,000 for all injuries and $5,000 for property damage in an accident. State by state insurance minimum requirements in thousands2: Alaska: 50/100/25. Alabama: 25/50/25.
While Massachusetts' minimum requirement of $20,000 per person ($40,000 per accident) bodily injury liability coverage is about average, its $5,000 limit for property damage liability is very low and could easily be surpassed in even a minor accident.assachusetts Car Insurance Laws. No-fault state: Massachusetts is a no-fault state, so no matter who causes an accident, you turn first to your own personal injury protection (PIP) coverage. Minimum limits are $8,000 and cover items such as medical expenses, replacement services and 75% of lost wages.