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01464 Home Insurance Rates & Premiums

Did you know there are over 7,427 people living within the 01464 zip code area? There are over 2,485 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 01464.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Massachusetts are on the rise. The estimated average premium is around $1,255 a year for a standard homeowners insurance policy in Shirley. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Shirley, MA Homeowners Insurance Quotes Online

01464 Home Insurance Average Premiums

Local 01464 homeowners insurance quotes comparison

$1005 /yr.

Shows Zip Code: 01464 lowest rates with discounts applied on average.

For the 01464, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1005 /yr.
Average Coverage:$1255 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1555 /yr.

What is the average home insurance cost for a home in 01464?

  • • The average homeowners insurance premium paid annually for a home in 01464 is around $1255 per year.

What does it cost on average per month for home insurance in 01464?

  • • Homeowners in 01464 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 01464?

  • • Autoowners in 01464 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Shirley, check out other zip codes nearby 01464.
To review average rates in another zip code, click on a zip code below:
01464  | 

Home Replacement Cost Coverage in 01464

Average Building Cost Per Square Foot in 01464: $271

Location: Shirley, Massachusetts (Middlesex County)

Average Square Footage in 01464: 1,196 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 01464 before you start any project. Shirley homeowners pay on average around $271 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 01464 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 01464 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,196 sq. ft. and the average cost to rebuild the home in this area is around $271 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Shirley area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2711,196$324,000
Additional Upgrades & Added Features$3391,196$405,000
Major Home Updates or Advancements$4071,196$486,000

It's important to understand that when you estimate your replacement cost of your home in the 01464 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 01464

Best Home & Auto Insurance Agencies in 01464

Housing Demographics for 01464

Population Review for 01464 Zip Code

For the city of Shirley, the population within 01464 has increased to over 5,380 residents in population size. The current population total is 7,427. We have broken down the population based on race below. In 01464, there are over 4387 in male population and 3040 females.

PopulationValues
Total Population7,427
White Population5657
Black Population599
Hispanic Population780
Asian Population202
Hawaiian Population6
Indian Population12
Other Population132
Male Population4387
Female Population3040
Population Estimate5380

Household Data for 01464

The average number of homes in 01464 is around 2,485, there are an average of 2.46 per household. The average house value according to local real estate values is around $324,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,485
Persons Per Household2.46
Average House Value$324,000
Income Per Household$111875
Median Age42.7
Median Age Male40.6
Median Age Female46.9
01464 DetailsValues
StateMA
State Full NameMassachusetts
City TypeP
City Alias Abbreviation
Area Code978/351
CityShirley
City Alias NameSHIRLEY
CountyMiddlesex
County FIPS017
State FIPS25
Time Zone5
Day Light SavingY
MSA1122
PMSA1120
CSA148
CBSA14460
CBSA_DIV15764
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NameBoston, MA-NH PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses130
Number Of Employees1369
Business First Quarter Payroll17738
Business Annual Payroll83503
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4552402
CBSA Division Population2246244
Congressional District03
Congressional LandArea757.86
Delivery Residential2187
Delivery Business126
Delivery Total3522
Preferred Last Line KeyV22444
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameCambridge-Newton-Framingham, MA
City State KeyV22444
Land Area15.128000
Water Area0.079000
City Alias Code
City Mixed CaseShirley
City Alias Mixed CaseShirley
Box Count454
SFDU1727
MFDU48
State ANSI25
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number246953
Unique ZIP Name
SSA State County Code22090
Medicare CBSA Code15764
Medicare CBSA NameCambridge-Newton-Framingham, MA
Medicare CBSA TypeMetro
Market Rating Area ID0
County Mixed CaseMiddlesex

Massachusetts Homeowners Insurance News & Information

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]