Best Home Insurance in Massachusetts

The cheapest home insurance companies in Massachusetts: Northern Security, $93 a month; Merrimack Mutual, $139; and USAA, $149.

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Northern Security has the cheapest average homeowners insurance rates in Massachusetts at $93 a month. The next most affordable provider is Merrimack Mutual at $139 a month. The third-lowest rate is USAA at $149 a month.

Massachusetts' average home insurance rate is under the national average. Still, there's no point in paying more for a policy than you have to. We've looked at the rates, policy offerings and customer service trends of the biggest home insurance companies underwriting policies in Massachusetts, as well as the factors that determine their rates, to help you get the best homeowners insurance at the cheapest rate.

This article will cover

Who has the cheapest home insurance in Massachusetts?

Northern Security carries the lowest homeowners insurance rate in Massachusetts, with an average rate of $93 a month. Merrimack Mutual is the next-cheapest at $139 a month. USAA also offers affordable rates to Massachusetts homeowners at $149 a month.

Cheapest home insurance rates in MA by company
Company Monthly rate
Northern Security $93
Merrimack Mutual $139
USAA $149
Arbella Mutual $150
Travelers $163
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much is home insurance in Massachusetts?

Massachusetts has an average home insurance rate of $97 a month. This is 33% lower than the national average rate of $144 a month.

Your home insurance rate will vary due to a number of factors. These include:

  • Your ZIP code
  • Construction materials used
  • The age of the home
  • Your insurance claim history

A standard home insurance policy is usually the same from insurer to insurer. Why do insurance companies have different rates, then? This comes down to the different risk weights home insurance companies put on the factors that determine your rate. For example, one provider could consider the neighborhood your house is in to be a higher risk than another, and calculate your quote accordingly.

In order to make sure you're getting the cheapest rate for your policy, compare home insurance quotes from multiple providers.

Find cheap home insurance in Massachusetts

The deductible you choose for your policy will also affect what you pay for home insurance. If you have a high deductible, your premium will be lower. If you have a newer home, or have had systems renovations done recently, consider going with a high deductible.

The best home insurance companies in Massachusetts

We've found Northern Security and Travelers to be the best homeowners insurance providers in Massachusetts. Here's why:

Northern Security: Cheapest home insurance rates

Northern Security has an average homeowners insurance rate of $93 a month. Of the biggest home insurance providers in Massachusetts, Northern Security is the one that comes in under both the state and national average rate.

Travelers: Best for eco-friendly homes

Travelers doesn't have the cheapest home insurance rates in Massachusetts, but if you have a green home or are planning to go green, consider them anyway. Travelers offers many benefits that may save you thousands of dollars in home insurance costs. These perks include:

  • Up to $25,000 to cover debris recycling.
  • Up to $10,000 for certification of a green home after rebuilding.
  • Reimbursement of up to $1,000 towards certification or recertification after filing a claim to meet current green certification requirements.
  • A discount if your house has Leadership in Energy and Environmental Design (LEED) certification.

Massachusetts cities with the cheapest home insurance

Quincy enjoys the cheapest average homeowners insurance rates among Massachusetts cities with Northern Security, at an average monthly rate of $79. Cambridge has the state's second-lowest rate, also with Northern Security, at $87 a month. Boston's average rate of $97 a month with Northern Security comes in third.

Cheapest monthly home insurance rates in Massachusetts by city
City Arbella Mutual Merrimack Mutual Northern Security Travelers USAA
Boston $159 $175 $97 $187 $163
Brockton $183 $265 $126 $168 $144
Cambridge $122 $122 $87 $140 $138
Fall River $167 $192 $112 $184 $148
Lowell $141 $132 $102 $145 $113
Lynn $179 $174 $147 $196 $136
New Bedford $191 $182 $120 $253 $170
Quincy $148 $129 $79 $160 $143
Springfield $160 $165 $126 $118 $135
Worcester $158 $130 $94 $122 $132
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.


We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in Massachusetts from the following providers:

  • Arbella Mutual
  • Merrimack Mutual
  • Northern Security
  • Travelers
  • USAA

Our sample home used the following policy specifications:

  • $275,000 dwelling coverage (unless otherwise noted)
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (unless otherwise noted) LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.