Average insurance rates across 45 cities in Massachusetts
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Boston | 675,647 | $2,738 | $2,590 | $515/mo | $28/mo |
| Worcester | 206,518 | $2,128 | $2,012 | $491/mo | $22/mo |
| Springfield | 155,929 | $1,906 | $1,802 | $482/mo | $20/mo |
| New Bedford | 153,701 | $2,257 | $2,135 | $496/mo | $23/mo |
| Cambridge | 117,962 | $2,257 | $2,135 | $496/mo | $23/mo |
| Lowell | 114,737 | $2,257 | $2,135 | $496/mo | $23/mo |
| Leominster | 111,856 | $2,257 | $2,135 | $496/mo | $23/mo |
| Brockton | 104,713 | $2,257 | $2,135 | $496/mo | $23/mo |
| Quincy | 100,981 | $2,257 | $2,135 | $496/mo | $23/mo |
| Lynn | 100,653 | $2,257 | $2,135 | $496/mo | $23/mo |
| Fall River | 93,638 | $2,257 | $2,135 | $496/mo | $23/mo |
| Newton | 88,453 | $2,257 | $2,135 | $496/mo | $23/mo |
| Lawrence | 88,067 | $2,257 | $2,135 | $496/mo | $23/mo |
| Somerville | 80,464 | $2,257 | $2,135 | $496/mo | $23/mo |
| Framingham | 71,805 | $2,257 | $2,135 | $496/mo | $23/mo |
Massachusetts residents pay an average of $1,850 per year for home insurance and $1,750 for auto insurance. As a no-fault state, Massachusetts requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 20/40/5.
Health insurance in Massachusetts averages $480 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Massachusetts include Amica, Plymouth Rock, State Farm.
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Policygenius The ZebraThe average home insurance cost in Massachusetts is $1,850 per year. Rates range from $1,100 to $2,700 depending on home value, location, and coverage level.
Auto insurance in Massachusetts averages $1,750 per year for full coverage. The state minimum coverage is 20/40/5. As a no-fault state, PIP coverage is also required.
Massachusetts has moderate insurance costs, with home insurance at $1,850/yr and auto at $1,750/yr compared to national averages of $2,300 and $1,800 respectively.
Massachusetts requires minimum liability coverage of 20/40/5 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.