Below are our picks for the best home and auto insurance bundling companies in Massachusetts:
Best Home and Auto Insurance in Massachusetts
Updated: April 4, 2025
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Key Takeaways
USAA, State Farm and Allstate are the top three home and auto insurance providers in Massachusetts.
Allstate offers the best home and auto insurance discount, with savings of 24% on auto and 22% on home insurance.
The average annual cost of home and auto insurance in Massachusetts is $3,117, about 1% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Massachusetts?
| USAA | 96 | $2,505 | $230 |
| State Farm | 83 | $1,197 | $259 |
| Travelers | 73 | $5,322 | $779 |
| Allstate | 69 | $3,443 | $1,045 |
State Farm: Best Cheap Home and Auto Insurance in Massachusetts
State Farm offers the cheapest home and auto insurance in Massachusetts, with rates less than half of the next most affordable company. It gives more discount options, including its Drive Safe and Save program, which can lower car insurance costs by up to 30%. State Farm also ranks high in customer satisfaction, placing second for auto and seventh for home insurance in a J.D. Power study.
| Auto | $716 | $0 | 0% |
| Home | $481 | $259 | 35% |
USAA: Best Home and Auto Insurance in Massachusetts for Military
USAA is an excellent choice for military members and their families seeking home and auto insurance. It offers the second-cheapest rates in the state and special discounts for military members. Its SafePilot program helps safe drivers save up to 30%. USAA ranks at the top for both home and auto insurance customer satisfaction, according to J.D. Power.
| Auto | $1,037 | $88 | 8% |
| Home | $1,469 | $142 | 9% |
Allstate: Best Home and Auto Insurance Coverage Options in Massachusetts
Allstate is the third-cheapest home and auto insurance company in Massachusetts, giving a discount of over 20% for bundling policies. Its Drivewise program can save you up to 40% on car insurance. Allstate also offers unique coverage options like accident forgiveness, new car replacement and green improvement reimbursement, which are rare among other insurers.
| Auto | $1,551 | $498 | 24% |
| Home | $1,892 | $547 | 22% |
Massachusetts Home and Auto Insurance Cost
Massachusetts residents pay an average of $260 monthly for home and auto insurance, slightly above the national average of $258. Depending on the provider, monthly costs range from $100 to $444.
| Massachusetts home and auto insurance bundle | $3,117 | $-23 | 1% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Massachusetts Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Massachusetts is more expensive, your quotes may differ. Below are the average costs of all coverage combinations from cheapest to most expensive, using our top providers without bundling.
| USAA | State Farm | $1,865 |
| State Farm | USAA | $2,326 |
| Allstate | State Farm | $2,790 |
| State Farm | Allstate | $3,155 |
| Travelers | State Farm | $3,262 |
| USAA | Allstate | $3,564 |
| Allstate | USAA | $3,659 |
| Travelers | USAA | $4,132 |
| State Farm | Travelers | $4,296 |
| USAA | Travelers | $4,705 |
| Travelers | Allstate | $4,960 |
| Allstate | Travelers | $5,629 |
Should I Bundle Home and Auto Insurance in Massachusetts?
For Massachusetts drivers, bundling home and auto insurance is often more affordable than buying each separately. Evaluate your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Massachusetts, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $1,865, while bundling can reduce it to $1,197.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Massachusetts
Purchasing nonbundle insurance may not help you save more money but can provide more flexibility in coverage options.
Best Auto and Home Insurance in Massachusetts: Bottom Line
State Farm, USAA and Allstate are top choices for bundling home and auto insurance in Massachusetts. Bundling these policies saves more money than buying them separately. However, you should compare several companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Massachusetts: FAQ
Get expert answers to common questions about Massachusetts home and auto insurance:
Who has the best home and auto insurance in Massachusetts?
State Farm is the best home and auto insurance provider in Massachusetts, while USAA is the top choice for military members. For coverage options, the best option is Allstate.
Who has the cheapest home and auto insurance in Massachusetts?
State Farm offers the cheapest home and auto insurance bundle in Massachusetts at $1,197 a year, saving $259 annually compared to the state average.
How much does home and auto insurance in Massachusetts cost on average?
In Massachusetts, the average annual premium for home and auto insurance bundling is $3,117, about 1% higher than the national average. The most affordable bundle costs around $1,197, while the highest rate may reach $5,322 annually.
Is bundling home and auto insurance cheaper in Massachusetts?
Bundling home and auto insurance is typically cheaper in Massachusetts, according to our research. While seeking the cheapest option, ensure your coverage protects you from major losses.
Best Auto and Home Insurance Bundle in Massachusetts: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Massachusetts Division of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Massachusetts
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Massachusetts
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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.