Housing
California vs Massachusetts: Home Insurance Cost
California has cheaper average home insurance than Massachusetts by $718.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
California
#8 · $1,348/yr
Massachusetts
#19 · $2,066/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
Selected states
#19
Massachusetts
$2,066/yr
Massachusetts
California ranks 8th and Massachusetts ranks 19th nationally for home insurance cost.
What this means
California vs Massachusetts: Home Insurance Cost in context
California's home insurance cost is $1,348/yr, compared with $2,066/yr in Massachusetts. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
California
$1,348/yr
Massachusetts
$2,066/yr
Difference
$718
People also ask
California vs Massachusetts Home Insurance Cost — common questions
QWhat is California's home insurance cost?
California's home insurance cost is $1,348/yr.
QWhat is Massachusetts's home insurance cost?
Massachusetts's home insurance cost is $2,066/yr.
QWhich state has a lower home insurance cost — California or Massachusetts?
California has cheaper average home insurance than Massachusetts by $718.
More comparisons: California vs Massachusetts
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Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.