Average Car, Home & Renters Insurance Cost in Massachusetts (2026)
These are estimated annual averages for Massachusetts, drawn from published rate studies. They describe a typical profile — not your policy, and not a price you have been offered.
Massachusetts at a glance
| Coverage | Estimated annual average | Rank of 51 | Assumes |
|---|---|---|---|
| Car insurance (liability + comp & collision) | $1,800/yr | #7 of 51 | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $596/yr | #23 of 51 | State-required minimum liability limits only |
| Home insurance | $1,483/yr | #8 of 51 | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $133/yr | #17 of 51 | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Rank 1 is the lowest estimated average of the 50 states and the District of Columbia.
How Massachusetts compares with the national average
- Full-coverage car insurance runs about 23% below the national average of $2,339.
- Home insurance runs about 42% below the national average of $2,543.
- Renters insurance runs about 12% below the national average of $151.
How Massachusetts compares with neighbouring states
| State | Car (full) | Home | Renters |
|---|---|---|---|
| Massachusetts | $1,800 | $1,483 | $133 |
| Connecticut | $2,757 | $1,905 | $175 |
| New Hampshire | $1,559 | $1,300 | $129 |
| New York | $2,599 | $1,683 | $125 |
| Rhode Island | $2,215 | $2,445 | $143 |
Notes on these figures
- Massachusetts does not permit age-based auto pricing. Insurers in Massachusetts may not use a driver's age as a rating factor, so the car insurance figures here do not vary by age band the way they do in most states.
- Renters figures assume $30K personal property · $100K liability · $500 deductible.
See where you sit
Run the interactive version for Massachusetts with your line, age band and coverage level — or scan your declarations page and we'll compare your actual premium against these averages.
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See every state in the State Guides, or read how CoverageCard grades a policy. Terms used on this page are explained in the Insurance Glossary.