Compare average insurance rates in Worcester for 2026
🏠
Home
$2128
/year
🚗
Auto
$2012
/year
🏥
Health
$491
/month
💰
Life
$22
/month
🏢
Renters
$22
/month
Home Insurance in Worcester, MA
The average cost of homeowners insurance in Worcester, Massachusetts is $2,128 per year in 2026. This compares to the state average of $1,850 per year.
$2,128per year (avg in Worcester)
$1265MA avg: $1,850$3105
Factors Affecting Home Insurance in Worcester
🏠
Home Value Average: $570,000
🌪
Weather Risk medium
🌊
Flood Zone 8% of properties
📈
Cost Index 1.15 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$456,000
$228,000
$100,000
$1,596
Standard (HO-3)
$570,000
$285,000
$300,000
$2,128
Premium (HO-5)
$712,500
$427,500
$500,000
$2,872
Auto Insurance in Worcester, MA
The average annual cost of auto insurance in Worcester is $2,012, compared to the Massachusetts state average of $1,750.
$2,012per year (avg in Worcester)
$1265MA avg: $1,750$2875
📋
Minimum Coverage in Massachusetts: 20/40/5
⚖️
No-Fault State: Massachusetts is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,106
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,012
Premium
250/500/250
$250 deductible
$250 deductible
$2,615
Health Insurance in Worcester, MA
The average monthly health insurance premium in Worcester is $491 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$491per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$353
$7,000
$9,100
Healthy, low usage
Silver
$491
$4,500
$9,100
Moderate usage
Gold
$613
$1,650
$8,700
Regular medical needs
Platinum
$736
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Worcester
💰 Life Insurance
$22
per month (20-year term, $500K)
Life insurance rates in Massachusetts are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$22
per month (avg in Worcester)
Renters insurance in Worcester covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Worcester
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Worcester, MA is $2,128 per year for a standard HO-3 policy. Rates range from $1,265 to $3,105 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Worcester is $2,012 per year for full coverage. Liability-only coverage averages around $905 per year. Massachusetts requires minimum coverage of 20/40/5.
Insurance costs in Worcester are above the national average (cost index: 1.15). Home insurance averages $2,128/yr and auto insurance $2,012/yr. Higher costs are driven by moderate natural disaster risk.
Key factors include: local cost of living (index: 1.15), moderate natural disaster risk, average home values ($570,000), your personal claims history, credit score, and no-fault insurance laws in Massachusetts.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Worcester residents can potentially save $828+ per year.
Massachusetts requires minimum auto liability coverage of 20/40/5 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
Compare Insurance Quotes in Worcester
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