Updated: May 1, 2026
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Top renters insurer in Massachusetts: Amica
Most affordable renters insurance in Massachusetts: Safety
Typical renters insurance rate in Massachusetts: $177 per year
With a MoneyGeek score of 4.9 out of 5, Amica ranks as Massachusetts's best renters insurance provider at $12 per month. The company leads for its customer experience and affordability.
These five companies earned the top MoneyGeek scores for renters insurance in Massachusetts:
| Amica | 4.91 | $12 | $141 |
| The Andover | 4.79 | $12 | $146 |
| Lemonade | 4.75 | $12 | $144 |
| Arbella | 4.56 | $13 | $152 |
| Plymouth Rock Insurance | 4.49 | $14 | $167 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Massachusetts Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
For $20,000 in personal property coverage, Massachusetts renters can pay as little as $11 per month through Safety. That's $4 less per month than Massachusetts's $15 average, or $48 in annual savings.
The 10 most affordable companies range from $11 to $23 monthly for identical coverage. 8 of 10 insurers charge less than the state average for cheapest renters insurance.
| Safety Insurance | $11 | $-3 |
| Vermont Mutual Insurance | $12 | $-3 |
| Amica | $12 | $-3 |
| Lemonade | $12 | $-3 |
| The Andover | $12 | $-3 |
| Arbella | $13 | $-2 |
| Plymouth Rock Insurance | $14 | $-1 |
| Universal Insurance | $14 | $-1 |
| Farmers | $16 | $1 |
| Travelers | $23 | $8 |
Massachusetts renters pay $177 annually for renters insurance, which breaks down to $15 per month. That's actually $1 less than the national average of $16 monthly, despite the state's higher population density that increases theft risks and frequent severe weather that damages property. The state's higher cost of living also means belongings cost more to replace, leading to increased claim payouts for insurers.
Groton offers the most affordable renters insurance in Massachusetts at $12 monthly ($146 annually), while Dennis Port has the highest rates at $18 per month ($217 annually). Most cities stay close to the state's $15 average, with local factors like crime rates and weather risks accounting for the pricing differences.
| Cambridge | $13 | $156 |
| Dennis Port | $18 | $217 |
| Dorchester | $17 | $200 |
| Groton | $12 | $146 |
| Lowell | $13 | $159 |
| Roxbury Crossing | $17 | $202 |
| Springfield | $17 | $199 |
| Woburn | $12 | $148 |
| Worcester | $14 | $169 |
At the highest coverage level in Massachusetts, Lemonade offers the most affordable renters insurance at $76 monthly for $250,000 in personal property coverage and $300,000 in liability protection. Amica leads the lower tiers, providing the cheapest rates for $50,000 and $100,000 in personal property coverage with $100,000 liability limits.
| $20K Personal Property / $100K Liability | Safety Insurance | $11 |
| $50K Personal Property / $100K Liability | Amica | $19 |
| $100K Personal Property / $100K Liability | Amica | $31 |
| $250K Personal Property / $300K Liability | Lemonade | $76 |
Getting the right coverage starts with knowing your coverage options, estimating your property value and shopping around for quotes.
Comparing quotes across companies can turn up huge price differences. Safety charges $11 monthly while Travelers charges $23 for identical $20,000 coverage. That's a $12 monthly savings for the same financial protection. Online quote tools help you find the lowest rate in minutes.
Pairing renters and auto coverage with one insurer cuts 10% to 25% off both premiums. State Farm and Auto-Owners provide bundling discounts that lower your total insurance costs while consolidating your monthly bills into one payment.
Higher deductibles reduce your monthly premium but increase what you'll pay when filing claims. Before raising your deductible, confirm your emergency fund can cover the larger out-of-pocket expense if you need to file a claim.
Many discounts aren't applied automatically, so ask what you qualify for. Massachusetts insurers offer savings for security systems, smoke detectors, automatic payments and claims-free history. State Farm provides good student discounts for renters under 25 with B averages.
Most Bay State landlords require at least $100,000 in liability coverage, though Massachusetts doesn't legally mandate renters insurance. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.
Use our calculator below to find out how much renters insurance you need.
Review our experts' answers to frequently asked questions below:
Amica earns the top spot for renters insurance in Massachusetts with a MoneyGeek score of 4.9 out of 5. At $12 monthly, it offers high customer satisfaction at affordable rates.
Massachusetts renters insurance costs $15 per month or $177 annually for $20,000 in personal property coverage. The state runs $1 below the national average of $16 monthly because of lower severe weather risks compared to other regions, though metro areas still see higher property crime rates.
Amica offers the cheapest $100,000 renters insurance coverage in Massachusetts at $31 monthly, while the state average is $54 per month or $643 annually. Most renters don't need this much coverage since they choose $20,000 to $50,000 instead. The $100,000 tier works best for renters with expensive belongings or valuable collectibles.
Massachusetts doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific requirements, which may vary based on rental history, credit score and whether you own pets. Check your lease for exact coverage requirements.
We analyzed Massachusetts renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters across this profile:
Affordability made up 50% of each company's score, with customer satisfaction from industry research accounting for 40% and add-on coverage options contributing the remaining 10%. Companies with the highest combined scores earned spots on our list of Massachusetts's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
