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 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: December 3, 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 your coverage level, insurance provider, and personal circumstances. On average, renters in Massachusetts pay $262 per year or $22 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 $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 monthThe average cost of renters insurance in Massachusetts is $22 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$22equalPowered by:Average renters insurance cost in Massachusetts by companyAccording to our data, State Farm provides the most affordable renters insurance in Massachusetts, with an average annual rate of $134, followed by Vermont Mutual and Travelers.Getting quotes from multiple renters insurance companies in Massachusetts is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in 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$34Powered by: 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 levelThe average annual cost of renters insurance in Massachusetts is $262, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $173 a year for renters insurance in Massachusetts. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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$30Powered by:Average cost of renters insurance in Massachusetts by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Massachusetts.Renters insurance rates in Massachusetts by citySee rates in your cityBostonMiltonNorfolkWorcesterAverage cost of renters insurance in Massachusetts by ZIP codeIn Massachusetts, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.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$18Powered by:Least affordable ZIP codes for renters insurance in Massachusetts2203 is the most expensive ZIP code for renters insurance in Massachusetts, at an average cost of $380 annually or $32 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Massachusetts. The table below shows the average annual renters insurance rates 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$29Powered by:Final 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.Shivani GiteContributing 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.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 states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in MassachusettsBest and cheapest homeowners insurance companies in MassachusettsCost of Living in Massachusetts in 2025How much does condo insurance cost in Massachusetts in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in Massachusetts per monthAverage renters insurance cost in Massachusetts by companyAverage cost of renters insurance in Massachusetts by coverage levelAverage cost of renters insurance in Massachusetts by cityAverage cost of renters insurance in Massachusetts by ZIP codeFinal thoughts: Average renters insurance in Massachusetts ZIP Code Please enter valid ZIP See rates (844) 761-9316