Free · 2026

Massachusetts renters insurance cost calculator

Renters insurance in Massachusetts averages about $133 a year ($11/mo) for $30,000 of personal-property coverage — roughly 13% below the US average of $152. It's one of the cheapest policies you can buy. Estimate your own cost below.

Estimated premium

$133/yr

Monthly$11.08

Personal property$30,000

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Massachusetts renters insurance cost at a glance

Renters (avg/yr, $30,000 property): $133
Renters (avg/mo): $11
US average (renters/yr): $152

Frequently asked questions

How much is renters insurance in Massachusetts?

Renters insurance in Massachusetts averages about $133 a year — roughly $11 a month — for $30,000 of personal-property coverage with standard liability.

Why is renters insurance so cheap in Massachusetts?

Renters insurance only covers your belongings and liability — not the building — so premiums are far lower than homeowners insurance. In Massachusetts it averages about $133 a year.

Is renters insurance required in Massachusetts?

It isn't required by state law, but many landlords in Massachusetts require it in the lease. Even when optional, it's inexpensive protection for your belongings and liability.

How this estimate is calculated

Renters estimates start from the 2026 average annual Massachusetts premium at $30,000 of personal-property coverage, scaled to your coverage amount. Your building type, location, deductible and claims history also affect real quotes.

See our full methodology for assumptions, limits and the 2026 data used.

Sources

Written by: Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
Verified: Every figure checked against its cited primary source
Last updated: June 13, 2026
Standards: Editorial policy

This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.