Massachusetts: Insurance Practice Test
Insurance surcharges, proof of insurance and what happens when you drive without it.
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Questions are original and based on the official manual "Massachusetts Driver's Manual" (Revised April 2026), Massachusetts Registry of Motor Vehicles.
All 10 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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If your road test vehicle is registered out of state, what must you show the examiner?
- Proof of insurance coverage equal to Massachusetts minimum limits
- A letter from the state that registered the vehicle
- A temporary Massachusetts registration issued by the RMV for the test day
- A rental agreement from the vehicle's owner
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Correct answer: Proof of insurance coverage equal to Massachusetts minimum limits
If the test vehicle is registered out of state, you must show the examiner proof of insurance coverage equal to Massachusetts minimum limits.
Source: Massachusetts Driver's Manual (Revised April 2026), page 24 · Open this page in the manual (Manual page 24)
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What is the Massachusetts minimum bodily injury coverage limit that an out-of-state registered road test vehicle must have proof of?
- $10,000/$20,000
- $15,000/$30,000
- $25,000/$50,000
- $50,000/$100,000
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Correct answer: $25,000/$50,000
The Massachusetts minimum limits for bodily injury are $25,000/$50,000.
Source: Massachusetts Driver's Manual (Revised April 2026), page 24 · Open this page in the manual (Manual page 24)
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What is the Massachusetts minimum property damage coverage limit that an out-of-state registered road test vehicle must have proof of?
- $5,000
- $30,000
- $10,000
- $100,000
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Correct answer: $30,000
The Massachusetts minimum limit for property damage is $30,000.
Source: Massachusetts Driver's Manual (Revised April 2026), page 24 · Open this page in the manual (Manual page 24)
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What serves as proof of a vehicle's insurance for the road test?
- A receipt for the last premium payment
- The vehicle's registration certificate
- A letter from your agent stating that the vehicle is insured
- A policy or a certificate that lists coverage limits
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Correct answer: A policy or a certificate that lists coverage limits
A policy or a certificate that lists coverage limits serves as proof of a vehicle's insurance.
Source: Massachusetts Driver's Manual (Revised April 2026), page 24 · Open this page in the manual (Manual page 24)
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Moving violations can increase which of these?
- Your motor vehicle insurance rate
- The number of days until license renewal
- Your vehicle’s registration period
- Your age for a full license
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Correct answer: Your motor vehicle insurance rate
The RMV records moving violations on your driving record, and they can increase your motor vehicle insurance rate.
Source: Massachusetts Driver's Manual (Revised April 2026), page 57 · Open this page in the manual (Manual page 57)
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Which organization runs the Safe Driver Insurance Plan (SDIP)?
- The National Safety Council
- The Registrar’s Citation Office
- The Merit Rating Board
- The Head Injury Treatment Trust
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Correct answer: The Merit Rating Board
The Merit Rating Board runs the Safe Driver Insurance Plan, under which your premium is determined by your driving record.
Source: Massachusetts Driver's Manual (Revised April 2026), page 59 · Open this page in the manual (Manual page 59)
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Under the Safe Driver Insurance Plan, which of these will increase your insurance rate?
- Being found NOT RESPONSIBLE for a citation
- Being more than 50 percent at fault in a crash
- Paying a parking ticket on time
- Completing a Driver Retraining course
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Correct answer: Being more than 50 percent at fault in a crash
Your rate will increase if you are convicted of moving violations or if you are more than 50 percent at fault in a crash.
Source: Massachusetts Driver's Manual (Revised April 2026), page 59 · Open this page in the manual (Manual page 59)
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When you drive outside Massachusetts and an officer asks for proof of insurance, what identifies your insurance carrier?
- From an insurance card that the RMV issues to you
- Your registration identifies your insurance carrier
- From a sticker on your windshield
- From your driver's license
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Correct answer: Your registration identifies your insurance carrier
The manual says your registration identifies your insurance carrier, and an insurance card is not issued under Massachusetts law.
Source: Massachusetts Driver's Manual (Revised April 2026), page 122 · Open this page in the manual (Manual page 122)
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A criminal conviction after a crash may subject you to up to how many years of insurance surcharges?
- Two years
- Four years
- Six years
- Ten years
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Correct answer: Six years
The manual says any criminal conviction may subject you to up to six years of insurance surcharges.
Source: Massachusetts Driver's Manual (Revised April 2026), page 130 · Open this page in the manual (Manual page 130)
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Is reporting a crash to your insurance company enough to meet the crash reporting requirement?
- Yes, if the damage is under $1,000 and no one is hurt
- Yes, if the crash report to the insurer is filed online
- Yes, if you give the other driver your insurance card
- No; you must follow all the reporting instructions as well
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Correct answer: No; you must follow all the reporting instructions as well
The manual states that just reporting a crash to your insurance company is not enough.
Source: Massachusetts Driver's Manual (Revised April 2026), page 131 · Open this page in the manual (Manual page 131)