Massachusetts' average home insurance costs about $188 monthly or $2,251 annually. Homeowners pay $32 less per month or $384 less annually than the national average, making it the 23rd most affordable state for home insurance.
Average Home Insurance Cost in Massachusetts
Updated: June 5, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Jun 12, 2025
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Key Takeaways
Massachusetts home insurance costs an average of $2,251 per year, with annual rates ranging from $1,666 to $5,777, depending on various factors.
Massachusetts' home insurance premiums are the 22nd most affordable in the country, at 15% below the national average.
To find the best home insurance in Massachusetts, determine your coverage needs, research providers and costs and gather multiple quotes.
How Much Is Home Insurance in Massachusetts?
| Massachusetts Average | $188 | $2,251 | -15% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Average Home Insurance Cost By City
Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Boston is around $200; in Worcester, it’s much lower at $149.
| Boston | $200 | $2,401 |
| Cambridge | $157 | $1,887 |
| Lowell | $159 | $1,910 |
| Springfield | $153 | $1,838 |
| Worcester | $149 | $1,784 |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Massachusetts?
Home insurance is expensive in Massachusetts because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail.
Rising Claims
When homeowners file more claims, insurers may increase premiums to cover the higher payout costs. Frequent claims can indicate a greater risk of future payouts, leading to more expensive home insurance.
High Weather Risks
Areas with elevated risks of natural disasters, such as hurricanes or wildfires, often face higher home insurance rates. Insurers adjust premiums to account for the potential for costly damage from severe weather events.
Rising Material and Labor Costs
As the cost of building materials and labor rises, so does the cost to repair or rebuild homes. Insurance companies may increase premiums to ensure they can cover these higher expenses in the event of a claim.
State Insurance Laws
State-specific regulations can affect insurance costs. Mandates on coverage requirements or the claims process can lead to higher administrative costs for insurers, which may be passed on to homeowners through increased premiums.
What Affects Massachusetts Home Insurance Costs?
Like for most home insurance companies, regardless of state, pricing is mostly affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We've highlighted below how much each factor affects rates specific to Massachusetts for these major factors.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Massachusetts, with rates varying by up to 66%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Massachusetts State Remnant Tier Aggregate | $138 | $1,657 |
| Highest | Massachusetts Very Small Tier Aggregate | $293 | $3,517 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Massachusetts home insurance rates, averaging from $1,182 to $7,486 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $99 | $1,182 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $624 | $7,486 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Massachusetts homeowners insurance rates, averaging from $91 to $187 per month. These factors affect replacement costs and the risk of damage or theft, leading to significant rate differences.
| Lowest | New | Superior | Tile | $91 | $1,087 |
| Highest | Old | Frame | Shake-Treated | $187 | $2,242 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Massachusetts home insurance rates, with prices ranging from 47% below to 112% above the state average.
| Lowest | Farmers | $99 | $1,193 |
| Highest | Travelers | $396 | $4,753 |
How Much Does Claims History Affect Home Insurance Costs?
In Massachusetts, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 18% or about $978 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $187 | $2,238 |
| Highest | 2 claims in past 5 years | $268 | $3,216 |
Tips to Save on Massachusetts Home Insurance
Facing high home insurance costs in Massachusetts, it's crucial to find ways to save on premiums, whether buying a new home or cutting costs on your current one. Here are tips to help you secure the best and cheapest home insurance in Massachusetts tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To know whether you’re actually getting a good deal, you’ll need to understand average costs for you and your home specifically. Also, be sure to ask about all home insurance discounts with agents since insurers are not required to apply some of their reductions unless you ask them for home policies.
- 3
Compare Multiple Providers Through Different Avenues
Once you are armed with research, compare multiple insurers apples to apples for the coverage you want. We also recommend using multiple different avenues such as online comparison sites, brokers, provider websites, and provider agents since quotes will vary widely between each method.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance can help you save up on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Many states offer programs to help you get affordable coverage if traditional home insurance denies you. For example, in Massachusetts, the TFPA policy insures you if traditional insurers deny you coverage. Although TFPA plans may not provide the same coverage amount as traditional policies, they do meet mortgage requirements.
Massachusetts Home Insurance Calculator: Bottom Line
Home insurance prices change with location and the amount of coverage you choose. To find affordable rates, look into your insurance needs and typical costs, then try our estimate tool for the best deal.
Homeowners Insurance Calculator Massachusetts: FAQ
The cost of homeowners insurance in Massachusetts depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Massachusetts?
Massachusetts' average monthly home insurance cost is $188 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Massachusetts Home Insurance Estimates
When determining the average cost of home insurance in Massachusetts, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.