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Counties With the Cheapest Homeowners Insurance in Massachusetts (2026)

Berkshire has the lowest homeowners insurance of any county in Massachusetts, at $1,848, followed by Hampden and Hampshire. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 14 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Massachusetts

Top 14 of 14 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Massachusetts
RankCountyValue
1Berkshire$1,848
2Hampden$1,886
3Hampshire$2,064
4Franklin$2,076
5Worcester$2,204
6Bristol$2,403
7Middlesex$2,460
8Essex$2,596
9Norfolk$2,656
10Suffolk$2,714
11Barnstable$2,897
12Plymouth$2,930
13Nantucket$3,622
14Dukes$3,976

How this ranking works

This page ranks Massachusetts counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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