Renters Insurance

The Best Cheap Renters Insurance in Massachusetts

The Best Cheap Renters Insurance in Massachusetts

The best cheap renters insurance in Massachusetts comes from Amica, which has top customer service and the lowest rate, at $14 per month.

The average cost of renters insurance in Massachusetts overall is $16 per month, or $193 per year.

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Renters insurance only costs a few dollars a month but can save you thousands if the worst ever happens. We collected dozens of quotes from across Massachusetts to find the best, most affordable options for renters to protect their belongings.

Cheapest renters insurance in Massachusetts

Massachusetts renters can find the cheapest rates with Amica, with an average price of $14 per month.

The average price for renters insurance in Massachusetts is $16 per month. Lemonade also has rates that are cheaper than average.

Cheapest renters insurance companies in Massachusetts

Compare Renters Insurance Quotes from Massachusetts

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Massachusetts has cheaper renters insurance rates than the United States overall. The state ranks 22nd for cheapest rates, with an average rate that's 10% less than the national average price for renters insurance of $215 per year.

Monthly cost
Amica logo
Lemonade logo
Travelers logo
Allstate logo


Best renters insurance for most people: Amica

Amica has the lowest prices we found for renters insurance in the state and has impeccable customer service.
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Read our full review of Amica.

The good:

  • Very affordable prices
  • Top-notch customer service

The bad:

  • Fewer options for additional coverage

Amica is our recommendation for most renters insurance shoppers in Massachusetts because it has the best overall mix of price, service and coverage options.

Amica is the cheapest option for renters insurance in Massachusetts — the average rate is just $14 per month. That's 15% cheaper than average, and $4 per month less than the most expensive company.

Customer service from Amica is well regarded, too. It has a low rate of complaints according to the National Association of Insurance Commissioners (NAIC), indicating most customers are satisfied with its service. This is important because better service means less stress and hassle when an event potentially disrupts your life.

Amica has good, but not perfect, optional coverages. The set of add-ons should appeal to most renters: replacement cost coverage, valuable items protection and identity theft protection. However, Amica doesn't have other extras like equipment breakdown or water backup; for those, take a look at Travelers, our pick for best coverage options.

Best coverage options: Travelers

Travelers has a great set of coverage options for Massachusetts renters.
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Read our full review of Travelers.

The good:

  • More coverage options than any other company we considered

The bad:

  • Higher rates than average
  • Requires 12-month upfront payment

For renters who are willing to pay more for a company that offers a wide range of coverage options, we recommend Travelers. It has more choices for optional coverages than any other company, though it has much higher rates than our top pick.

Travelers has most of the optional coverages a renter in Massachusetts might want. This includes replacement cost coverage and identity theft protection, as well as valuable items coverage. You can even buy mechanical breakdown coverage, which pays to repair broken appliances like a dishwasher or oven.

Rates at Travelers are slightly higher than average, though ⁠— even without any extra coverages. Coverage from Travelers costs $17 per month, and any add-ons will raise the price even more.

Plus, Travelers only sells renters insurance in annual installments. That means that instead of paying $17 each month, you have to pay $207 once per year. This large lump sum of cash due all at once may not be feasible for all renters.

Best for online tools: Lemonade

Lemonade has quick, low-hassle online tools and some of the lower rates in Massachusetts.
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Read our full review of Lemonade.

The good:

  • Good online experience
  • Cheaper-than-average rates

The bad:

  • Few discount options

If you're looking for an easy and convenient online experience, Lemonade is a top option. The company places a premium on quick quotes and procedures, so you can spend less time and energy on your insurance.

The company promises claims that are handled nearly instantly, with an AI system that can pay out in less than a minute.

Lemonade's rate of $15 per month is around 6% cheaper than the Massachusetts state average.

The most notable drawback with Lemonade is a low number of discounts. The company only offers a break on rates for automatic payments and having a home security system.

Massachusetts renters insurance: Costs by city

Newton has the cheapest renters insurance among Massachusetts' major cities, with an average rate of $172 per year.

Boston has the highest rate in the state, at $251 per year — 28% more than the overall average.

Average annual cost
Difference from state average (%)
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Coverage options: Comparing renters insurance policies and benefits

Every renter has a unique set of coverage needs. So when evaluating coverage options from renters insurance companies, we looked for a broad range of coverage options that will appeal to a variety of apartment dwellers.

Some coverages we like for Massachusetts renters:

  • Replacement cost coverage: Pays for the full cost to replace or repair a destroyed or stolen item, without considering depreciation.
  • Valuable items coverage: Boosts protection for expensive goods like electronics, jewelry and musical instruments, which may have limited coverage under a standard plan.

In addition, every renters insurance company we looked at offered the following basic coverages. If your renters insurance company is missing any of the following, it may be time to switch:

  • Personal property coverage: Pays to repair or replace property that's stolen, damaged or destroyed by a covered peril.
  • Additional living expenses: Pays for a hotel room or other temporary lodging if your home is uninhabitable due to a covered peril.
  • Liability coverage: Pays for financial damages to others that you are legally responsible for, such as if your dog injures someone.
  • Medical payments coverage: Pays for medical care of guests who are injured while at your home, regardless of who is at fault. Goes into effect before liability coverage.

The best renters insurance companies for customer service in Massachusetts

Amica and USAA offer the best customer service in Massachusetts, based on an analysis of customer feedback.

Both companies receive a low rate of complaints, according to the NAIC. USAA is also the top-rated renters insurance company in J.D. Power's customer satisfaction survey, but policies are only available to military service members and some of their family members.


Good customer service is crucial from your renters insurance company, especially while you're buying your policy and making a claim. Good customer service means you'll have answers and support whenever you need it; bad service can make both experiences frustrating and longer than they need to be.

Frequently asked questions

What is the average cost of renters insurance in Massachusetts?

Renters insurance in Massachusetts costs around $14 per month, which is $4 less per month than the national average.

Do you need renters insurance in Massachusetts?

Renters in Massachusetts only need to buy a policy if a landlord or property management company requires you to have coverage. However, we recommend that most renters purchase insurance, because it's the only way to protect your belongings against damage or destruction.

How much is renters insurance in Boston?

Renters in Boston pay around $21 per month for insurance, which is 28% more than the state average. People in Worcester, the second-largest city in Massachusetts, pay $16 per month, in comparison.


To find the best renters insurance in Massachusetts, we collected rates from major companies across the 25 largest cities or census-designated places in the state. All our quotes were for a sample renter who's 30 years old and lives by himself. He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection.

Customer service ratings were calculated using a weighted formula that includes the NAIC complaint index, J.D. Power's customer satisfaction index for renters insurance and ValuePenguin's own editorial ratings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.