🏠 Home insurance cost in Massachusetts (2026)
The estimated average is $1,725 per year — below the national average (-25% vs. the U.S. average of $2,300).
Massachusetts is home to about 7.0 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Boston typically differ from smaller towns.
Estimate your home insurance in Massachusetts
Massachusetts home insurance estimator
Starts from the Massachusetts average. Estimate only — get quotes to confirm.
Home insurance cost in Massachusetts cities
| City | Population | Est. home insurance |
|---|---|---|
| Boston | 650,706 | $1,863 |
| Worcester | 205,918 | $1,725 |
| Springfield | 155,929 | $1,725 |
| Cambridge | 117,090 | $1,725 |
| Lowell | 115,554 | $1,725 |
Massachusetts home insurance FAQ
How much is home insurance in Massachusetts?
The estimated average home insurance in Massachusetts is $1,725 per year, which is below the national average (-25% vs. the U.S. average of $2,300). Massachusetts ranks 30 of 51 states from most to least expensive.
Why is home insurance cheaper in Massachusetts?
Home insurance pricing in Massachusetts reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in Massachusetts?
Compare at least three quotes from insurers active in Massachusetts, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.