Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Massachusetts, drivers are required to carry a minimum amount of car insurance. This includes bodily injury to others with a minimum limit of $20,000 per person and $40,000 per accident, personal injury protection (PIP) of $8,000 per person per accident, bodily injury caused by an uninsured auto with a minimum of $20,000 per person and $40,000 per accident, and property damage liability of $5,000 per accident. The cost of insurance in Massachusetts can be influenced by various factors, including the driver's record. Traffic violations such as speeding tickets can lead to an increase in insurance premiums, and more severe infractions like DUI/DWI or hit-and-run can result in even higher costs. Drivers in Massachusetts who have received a ticket or citation that may impact their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.