Average Renters Insurance Cost in Massachusetts

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Renters insurance costs in Massachusetts vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Massachusetts pay $229 per year or $19 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Massachusetts is $229 per year or $19 per month.
State Farm provides the least expensive renters insurance in Massachusetts at an average rate of $112 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 month

In Massachusetts, the average monthly cost of renters insurance is $19. 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 month	Difference compared to national average
$19	$5 less

Average renters insurance cost in Massachusetts by company

State Farm offers the most affordable renters insurance in Massachusetts at an average annual rate of $112, followed by Amica 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.

Company	Average annual rate	Average monthly rate
State Farm	$112	$9
Amica	$189	$16
Travelers	$208	$17
Andover Insurance	$233	$19
Mapfre Insurance	$244	$20
Vermont Mutual	$245	$20
Allstate	$248	$21
Safety Insurance	$280	$23
Arbella Insurance	$283	$24

Renters insurance calculator in Massachusetts

$210/year

Estimated renters insurance rates in Massachusetts

$18

Monthly renters insurance cost in Massachusetts

-22%

Compared to national average

Average cost of renters insurance in Massachusetts by coverage level

On average, Massachusetts renters pay $229 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 $153 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 level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$151	$13
$20,000 with $500 Deductible and $300,000 Liability	$165	$14
$20,000 with $1,000 Deductible and $100,000 Liability	$142	$12
$20,000 with $1,000 Deductible and $300,000 Liability	$153	$13
$40,000 with $500 Deductible and $100,000 Liability	$232	$19
$40,000 with $500 Deductible and $300,000 Liability	$250	$21
$40,000 with $1,000 Deductible and $100,000 Liability	$210	$18
$40,000 with $1,000 Deductible and $300,000 Liability	$229	$19
$60,000 with $500 Deductible and $100,000 Liability	$319	$27
$60,000 with $500 Deductible and $300,000 Liability	$341	$28
$60,000 with $1,000 Deductible and $100,000 Liability	$290	$24
$60,000 with $1,000 Deductible and $300,000 Liability	$311	$26

Average cost of renters insurance in Massachusetts by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Massachusetts and find the best fit for your budget.

Renters insurance rates in Massachusetts by city

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Average cost of renters insurance in Massachusetts by ZIP code

Renters insurance costs in Massachusetts vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Massachusetts

How much Massachusetts renters pay for insurance depends on the ZIP code they live in. 1436 is the most affordable ZIP code for renters insurance in Massachusetts among all the ZIP codes analyzed, at $203 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Massachusetts.

ZIP code	City	Average annual rate	Average monthly rate
1436	Baldwinville	$203	$17
1430	Ashburnham	$204	$17
1331	Athol	$204	$17
1005	Barre	$204	$17
1740	Bolton	$204	$17
1506	Brookfield	$204	$17
1507	Charlton	$204	$17
1510	Clinton	$204	$17
1434	Devens	$204	$17
1515	East Brookfield	$204	$17

Least affordable ZIP codes for renters insurance in Massachusetts

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Massachusetts is 2203, with an average cost of $325 a year or $27 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 code	City	Average annual rate	Average monthly rate
2203	Boston	$325	$27
2564	Siasconset	$316	$26
2573	West Chop	$315	$26
2554	Nantucket	$309	$26
2552	Menemsha	$307	$26
2137	Readville	$307	$26
2637	Cummaquid	$298	$25
2647	Hyannis Port	$298	$25
2535	Chilmark	$297	$25
2539	Edgartown	$297	$25

Final thoughts: Average renters insurance in Massachusetts

Renters insurance is a must for Massachusetts renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

Shivani Gite

Contributing Writer

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.