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The average cost of home insurance in Massachusetts is $1,518 a year or $127 a month. That’s more than $1,000 below the national average of $2,777.

However, home insurance rates in Massachusetts vary by company, location, and factors related to the home itself.  Coastal homes have much higher insurance rates due to the risk of hurricane damage. Nantucket, for example, has the most expensive rates in the state, at an average of $2,485 a year. That's still below the national average.

The cheapest and best home insurance company in Massachusetts, based on our analysis, is State Farm, with an average annual rate of $705. That's half the state average for a policy with the nation's largest insurance company.

Below, we'll cover the basics of home insurance in Massachusetts and compare home insurance quotes in Massachusetts by coverage level, ZIP code, and by company. We’ll also help you choose the best insurance company for your home and needs.

Key takeaways

  • The average home insurance cost in Massachusetts is $1,518 a year, but costs vary by company, location, and the specifics of your home.
  • Massachusetts is at risk for many types of flooding, so you should consider buying a flood insurance policy; homeowners insurance doesn't cover floods.
  • State Farm has the cheapest home insurance rates in Massachusetts and is also the best-rated insurer.

How much is home insurance in Massachusetts?

The average home insurance rate in Massachusetts is $1,518 a year. That's based on a policy with:

  • $300,000 in dwelling coverage
  • $300,000 in liability
  • A $1,000 deductible
  • A 2% hurricane deductible

Your coverage needs will be individual to you and your home, and your policy may cost more or less.

Best homeowners insurance companies in Massachusetts

Choosing the best home insurance company in Massachusetts requires a little research. The Massachusetts Consumer Affairs and Business Regulation tracks insurance company complaints. You can also take a look at J.D. Power’s best and worst companies for home insurance.

We’ve ranked the best home insurance companies in Massachusetts based on average rates, AM Best score and NAIC complaint score, which are used to create our score out of five. State Farm is the best home insurance company in Massachusetts based on these criteria.

Best home insurance companies in Massachusetts
CompanyAM BestAverage annual rateNAIC Complaint score
State FarmA++$ 7051.074.65
USAAA++$ 1,6950.414.04
Arbella InsuranceA$ 1,4800.064.03
Andover InsuranceA$ 1,4800.14.02
Mapfre InsuranceA$ 1,4920.213.97
TravelersA++$ 1,7200.63.95
Vermont MutualA$ 1,3970.513.95
Safety InsuranceA$ 1,83503.75
Amica A+$ 2,0330.263.65
AllstateA+$ 2,3772.042.78

Cheapest home insurance companies in Massachusetts

Below are Massachusetts home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see State Farm has the most affordable rates in every category by a wide margin. The next closest competitor, Heritage, has rates double those State Farm offers.

Cheapest home insurance rates in Massachusetts by coverage level
State Farm$574$705$852$1,025$1,189
Heritage Insurance Holdings$1,060$1,437$1,860$2,280$2,709
Vermont Mutual$1,101$1,397$1,722$2,060$2,392
Andover Insurance$1,120$1,480$1,995$2,533$3,115
Mapfre Insurance$1,162$1,492$1,836$2,166$2,510
Arbella Insurance$1,163$1,480$1,787$2,114$2,469
Amica Mutual$1,524$2,033$2,443$2,858$3,281
Safety Insurance$1,568$1,835$2,244$2,747$3,311

Massachusetts homeowners insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Massachusetts to see which areas are the most and least expensive.

The most expensive ZIP codes in Massachusetts for home insurance

The most expensive ZIP codes in Massachusetts are in these cities:

Most expensive ZIP codes in Massachusetts
ZIP codeCity nameAverage annual rates
02663South Wellfleet$2,187

All of these are located on the coast, putting them at higher risk of storm damage.

The least expensive ZIP codes in Massachusetts for home insurance

The least expensive home insurance rates are in communities well off the coastline. The cheapest cities for home insurance in Massachusetts are

Cheapest ZIP codes in Massachusetts
ZIP codeCity nameAverage annual rates
01376Turners Falls$927

All of those towns are located further inland and face a lower risk of major storms.

Home insurance cost in Massachusetts’ largest cities

Here are average homeowners insurance costs for some of Massachusetts’ largest cities:

  • Boston - $1,352
  • Cambridge - $1,115
  • Lowell - $1,128
  • Springfield - $1,284
  • Worcester - $1,244

Those are the most and least expensive communities and the average cost for some of the state’s largest cities, but you probably want to check out your area and compare your ZIP code to neighboring towns.

The Massachusetts home insurance calculator below will provide you with rates in your ZIP code for the dwelling coverage, liability level, and deductible of your choice.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

Frequently asked questions: Massachusetts home insurance

Do I need flood insurance in Massachusetts?

A standard homeowners insurance policy does not cover flood damage. You will need to buy a flood insurance policy to be covered. For most homeowners, flood insurance is optional, but if you live in a flood hazard zone, your mortgage company may require it.

You can get flood insurance coverage through the National Flood Insurance Program (NFIP) or through a home insurance company that works with the NFIP.

What are hurricane and windstorm deductibles?

If the wind damage is caused by a storm not classified as a hurricane, you may pay a windstorm/hail deductible instead of your usual deductible. The windstorm deductible is usually between 1% and 5% of the repair cost, depending on the home's risk.

Homes along the coast may also have a hurricane deductible. This kicks in when a hurricane causes damage. Massachusetts is one of 19 states with this deductible. Hurricane deductibles are also a percentage of the cost of repairs, usually between 1% and 5%.

What should I do if I can’t get homeowners insurance in Massachusetts?

Homes that are a higher risk might be difficult to insure on the open market. If you have been turned down for home insurance, there’s an alternative.

The Massachusetts Property Insurance Underwriting Association provides the FAIR Plan for properties where homeowners aren't able to find coverage elsewhere.

FAIR plans are the last resort for home insurance. Similar to other home insurance policies, but are geared for properties considered risky by private home insurance companies.

How do I file a complaint against a Massachusetts insurance company?

The State of Massachusetts urges you to try to resolve any issues with your insurer. If that fails, you can notify the Massachusetts Division of Insurance's Consumer Service Unit at 617-521-7794 or 877-563-4467. Or, go to the Division of Insurance website, where you can fill out a complaint form.

You can also file a complaint by mail:

Division of Insurance

Consumer Services Unit

1000 Washington Street,

Suite 810 Boston, MA 02118-6200

Methodology analyzed rates for all Massachusetts ZIP codes, fielded by Quadrant Data Services in 2022. Rates were fielded for $200,000 to $600,000 in dwelling coverage with a $1,000 deductible and liability limits of $100,000 and $300,000. Rates do not include hurricane deductibles; coverage is additional in some areas. Content is updated for 2023.

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