Home Insurance Cost Comparison
Housing

Florida vs Massachusetts: Home Insurance Cost

Massachusetts has cheaper average home insurance than Florida by $8,174.

Florida flag
Florida
FL • South
$10,240/yr
Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
Massachusetts flag
Massachusetts
MA • Northeast
Winner
$2,066/yr
Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).

Visual Comparison

Florida $10,240/yr
Massachusetts $2,066/yr

Difference: $8,174 — Massachusetts leads.

National Rankings

Where They Rank Nationally

See where both states fall among all 50 states for home insurance cost.

Florida #50 · $10,240/yr
Massachusetts #19 · $2,066/yr
Best Worst

10 Best States — Home Insurance Cost

Lower is better
#1 Hawaii flag Hawaii
$601/yr
#2 Delaware flag Delaware
$976/yr
#3 Vermont flag Vermont
$1,054/yr
#4 Oregon flag Oregon
$1,083/yr
#5 New Hampshire flag New Hampshire
$1,152/yr
#6 Nevada flag Nevada
$1,212/yr
#7 Alaska flag Alaska
$1,323/yr
#8 California flag California
$1,348/yr
#9 Wisconsin flag Wisconsin
$1,388/yr
#10 Maine flag Maine
$1,424/yr
Selected states
#50 Florida flag Florida
$10,240/yr
#19 Massachusetts flag Massachusetts
$2,066/yr

Florida ranks 50th and Massachusetts ranks 19th nationally for home insurance cost.

What This Means

Florida vs Massachusetts: Home Insurance Cost in context

Massachusetts has a home insurance cost of $2,066/yr, compared with $10,240/yr in Florida. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).

Florida
$10,240/yr
Massachusetts
$2,066/yr
Difference
$8,174

People Also Ask

Florida vs Massachusetts Home Insurance Cost — Common Questions

Q What is Florida's home insurance cost?

Florida's home insurance cost is $10,240/yr.

Q What is Massachusetts's home insurance cost?

Massachusetts's home insurance cost is $2,066/yr.

Q Which state has a lower home insurance cost — Florida or Massachusetts?

Massachusetts has cheaper average home insurance than Florida by $8,174.

More Comparisons: Florida vs Massachusetts

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Median Housing Value Median Gross Rent Median Monthly Owner Costs With Mortgage Owner Costs Without Mortgage Homeownership Rate Home Value to Income Ratio Rent to Income Ratio Owner Costs to Income
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Sources: Core demographic data comes from the 2020 U.S. Census, with land area from U.S. Census Bureau TIGER files. Income, housing, affordability, and tax fields are maintained in our comparison dataset; purchasing-power figures use BEA Regional Price Parities. Minimum wage data comes from the U.S. Department of Labor, gas prices from AAA, and electricity rates from the U.S. Energy Information Administration. Political control and election fields use 2024 presidential results together with National Conference of State Legislatures data. Gun-law labels use the Giffords scorecard, alcohol system data comes from NABCA, and marijuana status uses NCSL's state cannabis laws tracker.