Home Renters insurance Renters insurance cost Average renters insurance cost in Massachusetts Average renters insurance cost in Massachusetts Discover the average cost of renters insurance in Massachusetts and how factors like location and coverage levels can impact your rate. 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 is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: January 16, 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. Renters insurance costs in Massachusetts vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Massachusetts is $262 per year or $22 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Massachusetts is $262 per year or $22 per month.State Farm provides the least expensive renters insurance in Massachusetts at an average rate of $134 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Massachusetts. Average renters insurance cost in Massachusetts per monthIn Massachusetts, the average monthly cost of renters insurance is $22. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$22equalAverage renters insurance cost in Massachusetts by companyState Farm offers the most affordable renters insurance in Massachusetts at an average annual rate of $134, followed by Vermont Mutual and Travelers, based on our data.However, you should get multiple quotes from various renters insurance companies in Massachusetts because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Massachusetts.CompanyAverage annual rateAverage monthly rateState Farm$134$11Vermont Mutual$179$15Travelers$208$17Andover Insurance$217$18Allstate$248$21Safety Insurance$268$22Amica Mutual$269$22Arbella Insurance$289$24Mapfre Insurance$407$34 Renters insurance calculator in Massachusetts Select your state Massachusetts Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $244/year Estimated renters insurance rates in Massachusetts $20 Monthly renters insurance cost in Massachusetts -1% Compared to national average Get quotes Average cost of renters insurance in Massachusetts by coverage levelOn average, Massachusetts renters pay $262 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Massachusetts to $173 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Massachusetts for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$176$15$20,000 with $500 Deductible and $300,000 Liability$191$16$20,000 with $1,000 Deductible and $100,000 Liability$159$13$20,000 with $1,000 Deductible and $300,000 Liability$173$14$40,000 with $500 Deductible and $100,000 Liability$274$23$40,000 with $500 Deductible and $300,000 Liability$293$24$40,000 with $1,000 Deductible and $100,000 Liability$244$20$40,000 with $1,000 Deductible and $300,000 Liability$262$22$60,000 with $500 Deductible and $100,000 Liability$378$32$60,000 with $500 Deductible and $300,000 Liability$401$33$60,000 with $1,000 Deductible and $100,000 Liability$337$28$60,000 with $1,000 Deductible and $300,000 Liability$358$30Average cost of renters insurance in Massachusetts by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Massachusetts.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Massachusetts by cityBostonLeedsMiltonNorfolkRichmondRochdaleSpringfieldTewksburyWilmingtonWorcesterShow moreAverage cost of renters insurance in Massachusetts by ZIP codeThe cost of renters insurance in Massachusetts varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Massachusetts.Most affordable ZIP codes for renters insurance in MassachusettsThe amount Massachusetts renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 1701 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $213.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Massachusetts.ZIP codeCityAverage annual rateAverage monthly rate1701Framingham$213$181801Woburn$216$181752Marlborough$216$181880Wakefield$218$181760Natick$219$181803Burlington$219$181434Devens$220$182451Waltham$221$181770Sherborn$221$181524Leicester$222$18Least affordable ZIP codes for renters insurance in MassachusettsAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Massachusetts is 2203, with an average cost of $380 a year or $32 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Massachusetts. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate2203Boston$380$322137Readville$372$312564Siasconset$358$302573West Chop$358$302552Menemsha$357$302554Nantucket$352$292152Winthrop Town$351$291152Springfield$350$29Final thoughts: Average renters insurance in MassachusettsRenters insurance is a must-have for renters in Massachusetts. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Massachusetts Average homeowners insurance cost in Massachusetts Average car insurance cost in Massachusetts Non-owner car insurance in Massachusetts Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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