Renters Insurance Cost in Massachusetts (2026 Average)
Massachusetts renters paid about $141 a year on average in the NAIC 2021 baseline, about $29 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Massachusetts renters insurance costs
Massachusetts renters paid about $141 a year on average in the NAIC 2021 baseline, about $29 less than the $170 US average.
Weather exposure is a major driver here: winter storms and nor'easters are the primary weather risk.
Claim frequency and litigation also matter: claim frequency is low.
Replacement costs and carrier competition round out the picture: replacement costs are among the highest in the country, especially around Boston, and strong carrier competition keeps the average close to the national figure despite high costs.
How Massachusetts compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Massachusetts | $141 | −$29 |
| United States (national average) | $170 | baseline |
| Connecticut | $144 | −$26 |
| Rhode Island | $139 | −$31 |
| New Hampshire | $104 | −$66 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.