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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)

Map of homeowners insurance cost
US map of homeowners insurance

homeowners insurance

Cheapest homeowners insurance in Massachusetts

#1 Berkshire$1,848

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Full county table and CSV download: Home insurance by county in Massachusetts

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
01
Berkshire$1,848
County page
02
Hampden$1,886
County page
03
Hampshire$2,064
County page
04
Franklin$2,076
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05
Worcester$2,204
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06
Bristol$2,403
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07
Middlesex$2,460
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08
Essex$2,596
County page
09
Norfolk$2,656
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10
Suffolk$2,714
County page
11County page
12
Plymouth$2,930
County page
13
Nantucket$3,622
County page
14
Dukes$3,976
County page

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.

Frequently asked questions

Which county in Massachusetts has the lowest homeowners insurance?
Berkshire has the lowest homeowners insurance in Massachusetts, at $1,848.
What is the homeowners insurance in Berkshire?
Berkshire is ranked #1 in Massachusetts for homeowners insurance, at $1,848.
How is this homeowners insurance ranking calculated?
Counties in Massachusetts are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

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See these Massachusetts counties on the live map.