On average, Massachusetts homeowners spend $161 monthly for home insurance, totaling $1,932 annually. That's 44% below the $3,467 national average, making Massachusetts one of America's most affordable states.
Average Home Insurance Cost in Massachusetts
Updated: January 6, 2026
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Key Takeaways: Massachusetts Home Insurance Rates
Expect to pay $161 monthly in Massachusetts for standard home insurance. Annual costs total $1,932 with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage.
Compare quotes from at least three insurers to find the best insurance in Massachusetts after determining how much coverage your home needs and what you can afford.
Get instant cost estimates using MoneyGeek's free Massachusetts home insurance calculator below. You don't need any personal information and no spam.
How Much Is Home Insurance in Massachusetts?
| Massachusetts | $1,932 | $3,467 | -44% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Feb 04, 2026
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Factors That Impact Average Massachusetts Home Insurance Costs
Your insurer, dwelling age, location, claims record, coverage limits and construction type all influence Massachusetts premiums. Individual factors can alter annual costs by several hundred dollars.
Average Massachusetts Home Insurance Cost by City
Massachusetts city rates vary based on coastal proximity, property values and local weather exposure. Dennis Port shows the highest annual cost at $3,250, while Woburn residents pay the lowest at $1,532; a difference of $1,718 annually.
| Cambridge | $138 | $1,650 |
| Dennis Port | $271 | $3,250 |
| Dorchester | $180 | $2,154 |
| Fairhaven | $208 | $2,491 |
| Groton | $129 | $1,547 |
| Lowell | $143 | $1,713 |
| Roxbury Crossing | $176 | $2,109 |
| Springfield | $150 | $1,799 |
| Woburn | $128 | $1,532 |
| Worcester | $142 | $1,708 |
Average Massachusetts Homeowners Insurance Pricing by Coverage Level
Your coverage limits determine your Massachusetts premium. Basic protection with $100,000 dwelling coverage costs $1,343 annually, which is enough for smaller homes. High-value properties need $750,000 to $1 million dwelling limits, pushing annual costs to $4,382 or $5,764. Match your dwelling coverage to your home's replacement cost, not its market value.
| $100K Dwelling / $50K Personal Property / $100K Liability | $112 | $1,343 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $161 | $1,932 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $258 | $3,098 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $365 | $4,382 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $480 | $5,764 |
Average Cost of Massachusetts Home Insurance by Company
Massachusetts company selection creates rate variations. USAA charges $99 monthly for coverage that Travelers sells at $372, or nearly four times higher. By getting multiple quotes, you avoid overpaying by hundreds of dollars annually.
| USAA | $99 | $1,187 |
| Farmers | $105 | $1,256 |
| The Andover Companies | $109 | $1,312 |
| Chubb | $119 | $1,428 |
| State Farm | $127 | $1,520 |
| Vermont Mutual | $130 | $1,565 |
| Amica | $165 | $1,978 |
| Allstate | $223 | $2,674 |
| Travelers | $372 | $4,466 |
Massachusetts Homeowners Insurance Costs by House Age
Your home's age affects Massachusetts premiums through its systems and materials. Homes built in 2020 average $1,309 annually with modern wiring, plumbing and roofing that meet current codes. On the other hand, properties from 2000 cost $1,932 yearly as components approach replacement schedules.
| Newer | $109 | $1,309 |
| Middle Age | $161 | $1,932 |
| Older | $169 | $2,031 |
DOES CREDIT SCORE HAVE AN IMPACT ON RATES IN MASSACHUSETTS?
Massachusetts is one of a handful of states that prohibit home insurers from using credit scores when determining rates. Instead, insurers in Massachusetts base your premium on factors like your claims history, the age of your home and your location.
Why Is Home Insurance More Affordable in Massachusetts?
Massachusetts homeowners pay $1,932 annually for home insurance, 44% below the $3,467 national average. This affordability stems from several factors.
Competitive Insurance Market
Massachusetts hosts over 1,600 home insurers competing for customers, according to the Massachusetts Office of the State Auditor. This competition forces companies to price competitively or lose market share. States with fewer insurers and less competition see higher premiums because homeowners have limited options.
Moderate Weather Exposure
While Massachusetts experiences nor'easters and winter storms, the state avoids the catastrophic hurricanes, wildfires and tornadoes that drive costs higher in Florida, California and Texas.
The National Oceanic and Atmospheric Administration reports that Massachusetts averages just one severe weather event annually, causing over $1 billion in damage. This reduced disaster exposure keeps premiums low.
Strong Building Codes
Massachusetts enforces strict building codes requiring wind-resistant construction, updated electrical systems and proper weatherproofing. The Massachusetts State Building Code mandates construction standards that reduce claim likelihood from fires, water damage and structural failures. Homes built to these standards cost less to insure because they withstand damage better.
Tips to Save on Massachusetts Home Insurance
Annual Massachusetts premiums average $1,932, but strategic choices reduce costs without compromising essential protection.
- 1Calculate your coverage needs
Establish your dwelling's replacement cost today, not yesterday's purchase price. Inventory belongings room by room and total their values.
Schedule valuable items like jewelry separately. Add water backup coverage. Include extended replacement cost for unexpected rebuild expense overruns beyond policy limits.
- 2Research costs and discounts
Use MoneyGeek's free Massachusetts home insurance calculator above to estimate costs based on your home's age, location and coverage needs. Insurers offer discounts of 10% to 20% for security systems, new homes, claims-free records, and protective devices such as smoke detectors or storm shutters.
- 3Compare multiple providers
Massachusetts rates vary dramatically between insurers. USAA charges $99 monthly for coverage Travelers sells at $372. Request quotes from at least three companies and evaluate pricing alongside financial strength ratings, customer service scores and claims handling reviews.
- 4Bundle policies
Combine home and auto coverage with one insurer for 10% to 25% savings on both. State Farm, USAA and Allstate provide Massachusetts bundling discounts. Calculate whether bundling beats separate policy pricing.
Calculate Massachusetts Homeowners Insurance Costs: FAQ
Massachusetts homeowners regularly inquire about claims consequences, construction age pricing and credit effects.
How much will my premium increase after filing a claim in Massachusetts?
Single claims raise Massachusetts premiums 15% to 30% for three to five years. Two claims within that period result in increases of 30% to 50%. Your specific increase depends on the claim severity and the insurer's policies. Claims continue to affect rates until they are removed from your record.
How much can I save by choosing a different insurer in Massachusetts?
Massachusetts company rates vary enormously. USAA charges $99 monthly while Travelers costs $372 for identical coverage. That's 276% more. Comparing three quotes saves hundreds to thousands annually. Rate differences reflect how companies assess similar risks.
Does home insurance in Massachusetts cover hurricane and nor'easter damage?
Standard policies cover wind damage from hurricanes and nor'easters to your dwelling and belongings. But coastal policies often include separate hurricane or wind deductibles of 1% to 5% of dwelling value. Flood damage requires separate federal or private flood insurance.
Why does home insurance cost more for older homes in Massachusetts?
Older Massachusetts homes contain aging systems that fail more frequently. Homes from 1980 average $2,031 yearly versus $1,309 for 2020 construction. That's 55% more for identical coverage. Outdated wiring, plumbing and heating create higher claim risks.
How We Analyzed Massachusetts Home Insurance Rates
Massachusetts homeowners see quotes vary by thousands of dollars for identical coverage, sometimes six times more. We built our rate analysis to isolate what actually drives your costs, helping you identify where you can save and where you should spend.
Our baseline home: $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible. This frame home, built in 2000 with a composition roof and no claims in five years, reflects Massachusetts's median home value and most common construction age. We chose these specifications because they represent the typical Massachusetts homeowner's situation.
We changed one variable at a time to measure each factor's real cost impact. For home age, we compared rates for identical coverage on homes built in 1980, 2000 and 2020.
Your actual rates depend on your home's age, construction type, roof condition, coverage limits, claims history and ZIP code. Use these comparisons to focus on the factors you can control.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Commonwealth of Massachusetts. "Massachusetts State Building Code - 780 CMR." Accessed January 6, 2026.
- Commonwealth of Massachusetts. "Overview of the Division of Insurance." Accessed January 6, 2026.
- NOAA. "Massachusetts Summary." Accessed January 6, 2026.