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Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.

Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.

That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Massachusetts. We found that State Farm has the lowest average home insurance rates in Massachusetts at $906 per year on average.

Let’s take a look at homeowners insurance in Massachusetts and how to find the best home insurance rates.

Key Takeaways

  • The cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Massachusetts is offered by State Farm at $906 per year.
  • The homeowners insurance in Massachusetts is $385 less than the national average.
  • The zipcode 1351 offers the cheapest homeowners insurance in Massachusetts at $1,329 per year.

Cheap homeowners insurance companies in Massachusetts

State Farm, Merrimack Mut Fire and Arbella Mut have the three cheapest Massachusetts homeowners insurance rates, on average.

Here are average annual premium for homeowners insurance in Massachusetts for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
State Farm$906$76
Merrimack Mut Fire$1,005$84
Arbella Mut$1,411$118
Standard Fire Insurance$1,600$133
USAA$1,653$138
Safety$1,709$142
LM Insurance$1,838$153
Phoenix$1,887$157
Citation Ins Co$2,011$168
Travelers$2,184$182
Commerce Insurance$2,214$185
Allstate$2,476$206
First Liberty$2,699$225

Compare cheap homeowners insurance in Massachusetts by ratings

Experts at Insure.com compared the cheapest homeowners insurance companies in Massachusetts based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.

Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Liberty Mutual806A
Travelers800A++

How much is home insurance in Massachusetts

The average homeowners insurance in Massachusetts is $1,920 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.

Filing multiple claims is one way to see much higher home insurance premiums.

Average annual premiumAverage monthly premium
$1,920$160

Cheapest homeowners insurance in Massachusetts by ZIP code

Homeowners insurance costs vary in Massachusetts. Location, including ZIP code, is just one aspect of home insurance costs.

Here are the average home insurance cost by city/ZIP codes in Massachusetts:

ZIP codeAverage annual premiumAverage monthly premium
1351$1,329$111
1301$1,331$111
1267$1,333$111
1342$1,334$111
1344$1,335$111
1349$1,336$111
1373$1,337$111
1236$1,343$112
1230$1,344$112
1093$1,345$112
1257$1,347$112
1354$1,348$112
1222$1,349$112
1220$1,350$112
1341$1,352$113

Home 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.

Know home insurance rates in Massachusetts by city

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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