Cheapest Auto Insurance in Cambridge, Massachusetts (2024)

With monthly liability-only rates as low as $51, Midvale Home & Auto is the cheapest car insurance company in Cambridge.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Featured in

media logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Updated May 29, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Cambridge, Massachusetts

Recent Cambridge, Massachusetts car insurance prices for Acura, Ford , and more.

*Quotes generated for Insurify users in and around Cambridge, Massachusetts within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Cambridge, Massachusetts within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you’re a Cambridge driver, you’re in luck. The average monthly cost of car insurance sits at $104 — lower than the Massachusetts overall average of $159 and the national overall average of $160.

The city’s low population density, compared to other major cities like Boston or Worcester, and the area’s robust public transportation system may partly contribute to its cheaper rates. Fewer people and more public transportation mean fewer drivers on the road. This leads to reduced traffic congestion, lower accident rates, and fewer claims filed.

Here’s what you should know about comparing rates and finding affordable auto coverage in Cambridge.

Quick Facts
  • Liability-only insurance in Cambridge costs an average of $86 per month, and full-coverage costs an average of $121 per month.

  • Midvale Home & Auto, Safeco, and Liberty Mutual offer the cheapest coverage to Cambridge drivers.

  • Since Massachusetts is a no-fault state, drivers must carry personal injury protection (PIP) coverage. Massachusetts drivers are also required to maintain uninsured motorist coverage for bodily injuries.[1]

3 of the cheapest car insurance companies in Cambridge

Three of the cheapest car insurance companies in Cambridge are Travelers, Safeco, and Liberty Mutual. But your personal insurance rates will vary based on your situation and needs. For example, a safe driver will see better rates than a driver with a moving violation like a speeding ticket or an at-fault accident.

Start your search with the insurers in the table below. Rates shown are for the state of Massachusetts.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Travelers4.5$79N/AYoung drivers
Safeco4.2$152$85Safe drivers
Liberty Mutual3.9$130$79Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for young drivers: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

If you’re one of the more than 25,000 Cambridge residents ages 1524, your car insurance is likely expensive. Fortunately, Travelers may be able to lower insurance costs for young drivers. The company offers several discounts for this age group, like savings for good grades, good driving, and completing a driver training course.

Pros
  • Wide array of discounts and coverage options

  • Offers accident forgiveness

Cons
  • Lowest J.D. Power customer satisfaction rating in New England

  • Rideshare coverage limited to Colorado and Illinois

Read our Travelers review
John - May 29, 2024
Verified

Car Insurance Rate Review, May 2024

The service was fine, I was strictly shopping for rates.

Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

Best insurer for safe drivers: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo

Massachusetts sits at the top of Insurify’s list of states that experience the most car accidents, with 17.14% of drivers having an at-fault accident. But if you have a clean record, you’ll likely score favorable rates, particularly with Safeco. This Liberty Mutual-owned company has discounts for being a safe driver and having safety features on your car.

Pros
  • Cash back for claim-free drivers

  • Many coverage options

Cons
  • Limited number of discounts

  • Mixed customer reviews

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

Best insurer for military members: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$148/mo

If you’re one of the 45,000 military-affiliated members living in Massachusetts, Liberty Mutual could be a good choice for you. This insurer offers a military discount to active-duty, retired, or reserve service members in the U.S. armed forces.

Pros
  • Wide range of discounts

  • Offers accident forgiveness

Cons
  • Premiums are higher than some competitors

  • Below-average J.D. Power customer satisfaction rating in New England

Read our Liberty Mutual review
Christopher - May 28, 2024
Verified

InsureMafia

It's truly unfortunate that I work hard for 60 hours a week, and yet, I have to pay outrageous prices for car insurance. It seems unfair to society that we are burdened with these costs simply because driving is a necessity in today's world. Driving without insurance is not the way to go, but maintaining insurance for our three vehicles costs us $418 a month. Many people go their whole lives without making a claim, yet insurance companies show no remorse for the working class. A lot of us weren't fortunate enough to have everything handed to us. I started working when I was 12. We will never have anything left to enjoy when we retire because the cost of living is so high. I earn a good income, but $400 is a significant amount to pay every month. When you see ads promising lower rates, you think there's a chance for relief. But then you find out the rates are the same as what you're already paying. It feels like another company is taking advantage of the working man. We deserve better. I hope the right people see this and make changes. Greed is the root of all evil.

John - May 28, 2024
Verified

Understanding my individual needs was a plus

Good.

Billie - May 27, 2024
Verified

Nothing Like the Promotion

They never responded to me.

How to get the cheapest car insurance in Cambridge

The cost of auto insurance in Cambridge depends on various factors, including your age and gender, driving history, credit score, and chosen coverages.

While most insurance factors are out of your control, you still have ways to lower your insurance costs:[2]

  • Compare prices. Drivers who shop before their insurance policy is renewed could see savings of around 30%. Use a quote-comparison tool to compare rates in one place and make sure you’re getting the best deal on the coverages you need.

  • Look for discounts. Insurance companies offer many discounts to reward you with better rates. Check your insurer’s website to find deals you qualify for — you might qualify for more than you’d think.

  • Enhance your driving skills. Taking a defensive driving course improves your safety on the road. It’ll minimize your chances of getting into an accident and can even score you a discount.

  • Raise your deductible. The higher your deductible, the lower your monthly premium. Before choosing a deductible, be sure you can pay if you need to file a claim.

  • Review your coverage. If your insurance policy is unbalanced, you could have an excessive amount of coverage in one area and be underinsured in another. Speak with a licensed insurance agent to see if you have the right coverage amounts for your needs.

Find Cheap Car Insurance in Cambridge

Liability rates start at $51 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Cambridge: Midvale Home & Auto

Liability-only car insurance includes your state’s minimum car insurance requirement. If you’re at fault in an accident, it pays for the injured party’s medical bills and property damage. But it doesn’t cover yours.

In Cambridge, liability car insurance costs $86 per month, on average. Take a look at the average monthly cost of liability insurance with different insurance companies in the table below.

Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$51
Safeco$65
Liberty Mutual$79
TravelersN/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Cambridge: Travelers

While liability-only car insurance covers the affected driver’s property damage, full coverage takes care of you. Full-coverage insurance protects your vehicle, regardless of fault.

If you commute regularly, live in a “high-risk” area, or own a valuable car, it’s a good idea to carry full-coverage auto insurance. If you have a loan or lease on your car, your lender will probably require you to carry full coverage. This insurance can save you from a financial headache when the unexpected happens.

Full-coverage car insurance costs an average of $121 per month for drivers in Cambridge. Below, you’ll find the average monthly cost of insurance for several insurers in the city.

Insurance CompanyAverage Monthly Quote
Travelers$59
Midvale Home & Auto$83
Safeco$119
Liberty Mutual$130
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Massachusetts

Massachusetts is a no-fault state. This means that drivers must go through their own insurance company for medical coverage after a car accident, regardless of fault.[3] To satisfy this requirement, drivers must have personal injury protection (PIP) coverage.

The state also requires drivers to carry uninsured motorist coverage for bodily injury. This coverage pays for your and your passenger’s medical expenses if an uninsured driver is at fault in an accident.

Here’s a look at the following minimum-coverage requirements in Massachusetts:[1]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person / $40,000 per accident
Property damage liability$5,000 per accident
Personal injury protection$8,000 per accident
Uninsured motorist bodily injury coverage$20,000 per person / $40,000 per accident

You may want to consider adding the following optional coverages to your policy for more financial protection:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for vehicle repairs or replacement if your vehicle is damaged during a non-collision incident. Examples of covered incidents include severe weather, theft, vandalism, falling objects, and hitting an animal.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    Collision insurance pays for vehicle repairs or replacement if you collide with another vehicle or object, like a fence or mailbox. It kicks in even if you were at fault in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/f9e1d7766e/saving-bundle.svg

    Gap coverage

    Gap insurance covers the difference between the outstanding balance of your loan and the actual cash value if your car is totaled.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Rental car reimbursement coverage

    If your vehicle is in the shop for repairs due to a covered event, rental car reimbursement will pay for the cost of your rental.

Cheapest car insurance for drivers with an incident

Driving incidents refer to speeding tickets, at-fault accidents, and more. Since these incidents signal to insurers that you’re more likely to file a claim, drivers with moving violations experience higher rates than drivers with clean records.[4] If you have multiple traffic infractions or a severe violation like driving under the influence (DUI), some companies may refuse to insure you.

Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Midvale Home & Auto$51$68$72$79
Safeco$65$87$93$101
Liberty Mutual$79$105$112$122
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Cambridge, MA

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Average cost of car insurance by age

Age has a significant influence on your car insurance premiums. Teen drivers often see the highest rates on their auto policy. Due to their lack of experience on the road and increased risk of reckless driving, this demographic is riskier for companies to insure.

Fortunately, insurance costs tend to wane by age 25 and continue to decrease each year. But senior drivers in their 70s face elevated rates as age-related factors can impair driving abilities. 

The table below shows how car insurance rates can change in Cambridge by age group.

AgeAverage Monthly Quote
Teens$300
20s$151
30s$112
40s$117
50s$85
60s$87
70s$77
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cambridge car insurance FAQs

Check out the additional information below as you shop for car insurance in Cambridge, Massachusetts.

  • How much is car insurance in Cambridge?

    Car insurance in Cambridge costs an average of $86 per month for liability coverage and $121 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Cambridge?

    Midvale Home & Auto has the cheapest car insurance in Cambridge, with a monthly liability rate of $51. Safeco and Liberty Mutual also offer affordable liability coverage, with monthly rates of $65 and $79, respectively.

    But the cheapest insurance company for you will depend on multiple factors, such as your age, ZIP code, driving record, and chosen coverage levels.

  • What are the best car insurance companies in Cambridge?

    With an IQ Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and the lowest full-coverage rates, Travelers is the best car insurance company in Cambridge.

    Other top insurers to consider are Liberty Mutual and Midvale Home & Auto.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Mass.gov. "Understanding Auto Insurance."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Insurance Information Institute. "Background on: No-fault auto insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all