Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Massachusetts Average homeowners insurance cost in Massachusetts Homeowners insurance in Massachusetts costs $1,622 per year or $135 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Massachusetts is $1,622 a year. Continue reading to learn more about homeowners insurance rates in Massachusetts by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $1,622 a year, based on Insure.com analysis.Of all the ZIP codes in Massachusetts, 1342 has the most affordable home insurance rates at around $1,149 annually.In Massachusetts, Andover Insurance provides the most affordable home insurance at an average annual premium of $871. Average home insurance cost in Massachusetts by coverage levelThe average cost of homeowners insurance in Massachusetts is $1,622 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,979 per year for homeowners insurance in Massachusetts for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Massachusetts for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,286 $107 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,303 $109 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,622 $135 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,640 $137 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,979 $165 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,998 $166 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,734 $228 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,755 $230 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$4,346 $362 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$4,370 $364 Homeowners insurance companies in Massachusetts decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in MassachusettsBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Massachusetts based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Andover Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAndover Insurance$871A0.085Vermont Mutual$1,343A+0.074.77Arbella Insurance$1,454A0.044.65Mapfre Insurance$1,755A0.074.41Safety Insurance$1,671A0.184.32Travelers$1,676A++0.543.96State Farm$1,162A++0.953.74Allstate$1,995A+0.93.15Average homeowners insurance cost by company in MassachusettsAndover Insurance has the cheapest homeowners insurance rates in Massachusetts. Its average annual cost for Massachusetts homeowners is $871. Heritage Insurance Holdings and State Farm also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Massachusetts with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAndover Insurance$871$73Heritage Insurance Holdings$1,016$85State Farm$1,162$97Vermont Mutual$1,343$112Arbella Insurance$1,454$121Safety Insurance$1,671$139Travelers$1,676$140Mapfre Insurance$1,755$146Allstate$1,995$166Amica$2,711$226USAA$1,840$153Massachusetts homeowners insurance rates by ZIP codeInsurance providers in Massachusetts factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Massachusetts, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in MassachusettsHome insurance costs vary across different areas in Massachusetts. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 1342 ZIP code has the lowest home insurance rates in Massachusetts, at $1,149 annually or $96 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Massachusetts.ZIP codeAverage annual rateAverage monthly rate1342$1,149$961267$1,150$961236$1,155$961367$1,161$971376$1,164$971354$1,165$971351$1,166$971379$1,175$981301$1,176$981257$1,177$98Most expensive ZIP codes for home insurance rates in MassachusettsIn Massachusetts, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 2552 ZIP pay the highest insurance rates in Massachusetts, with an average annual premium of $3,139.Below is a list of some of the most expensive ZIP codes in Massachusetts for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate2552$3,139$2622554$3,106$2592535$3,089$2572539$2,982$2492564$2,964$2472663$2,824$2352568$2,819$2352573$2,778$2312657$2,767$2312557$2,743$229Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Massachusetts by cityBostonMiltonNorfolkSpringfieldTewksburyWorcesterHome insurance rate trend in MassachusettsWe analyzed home insurance rate trends in Massachusetts and found that homeowners insurance rates experienced an overall increase of 8% or $123, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,921$1,499$1,622Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Massachusetts.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Massachusetts Average renters insurance cost in Massachusetts Average car insurance cost in Massachusetts Non-owner car insurance in Massachusetts How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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