Cheap Auto Insurance Quotes in Cambridge, MA (January 2022)

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Last Updated: January 2022

Car Insurance in Cambridge, MA

Like most states in the U.S., Massachusetts requires drivers to have car insurance coverage. With over 100,000 people, Cambridge packs a lot — and namely, a lot of drivers — into a small area. With busy streets and lots of traffic, it’s important for every Cambridge driver to get the best auto insurance policy in order to stay safe and legal on the road.

On average, Massachusetts car insurance rates are lower than the national average, costing drivers $168 per month. But bay staters can find cheaper auto insurance rates if they know where to look. Use Insurify to compare customized car insurance quotes, get free quotes from 10+ providers in under five minutes and find your lowest rate today!

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates across Massachsuetts so you can see how Cambridge, MA compares.

TravelersLiberty Mutual

Cheapest Car Insurance in Cambridge, MA

To find the cheapest MA car insurance policy, you need to shop around and compare multiple quotes from different insurance agencies. Quotes will vary between insurance providers because they weigh factors such as your driving record and your credit score a little differently. The cost of insurance will also be different for comprehensive coverage or liability coverage.

Although the following are the cheapest insurance providers in Cambridge on average, you should always compare car insurance quotes to find the best policy for your unique insurance needs.

Best Car Insurance in Cambridge, MA

Price isn’t the only factor to consider when choosing an insurance provider. You’ll also want to consider the types of coverage, discounts offered, financial strength of the company, and customer reviews. We evaluated a range of financial strength and customer satisfaction indicators to determine the best car insurance companies in Cambridge. See our results below.

Average Car Insurance Cost

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Cambridge, MA Driving Facts


Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements. 

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Cambridge Car Insurance Rates by Driver Age

Car insurance rates usually decrease with age because young drivers have less experience and are more likely to get into a car accident. Drivers in their 50s and 60s, on the other hand, may see some of the lowest car insurance premiums. Here’s what you can expect on average for Cambridge auto insurance.

Driving History
No Violation$141
Speeding Ticket$161
At-Fault Accident$180
Failure to Stop for Red Light / Stop Sign$271

Cambridge Car Insurance Rates by Driving and Accident History

On average, your insurance rates will increase if you have any driving infractions on your record. That’s because insurance providers view drivers with infractions such as a speeding ticket, a DUI, or a car accident as riskier to insure than drivers with a clean record. You can compare average car insurance costs for drivers with different driving histories below.

Cambridge Car Insurance Rates by Credit Tier

Under Massachusetts law, auto insurance companies are prohibited from using applicants’ credit-based insurance scores to determine their car insurance rates. If you have bad credit, that shouldn’t impact the cost of your insurance policy in Cambridge. Home insurance rates are also not affected by credit scores in Massachusetts.

Cambridge, MA DMV Information

Although DMV offices here often receive rave reviews, it’s not smooth sailing for every driver. Cambridge itself doesn’t offer any DMV services, but there’s a Massachusetts Registry of Motor Vehicles in nearby Watertown and one in Boston. Both are open Monday through Friday from 9 a.m. to 5 p.m., making it difficult for those working full-time jobs to access these offices.

Public Transportation in Cambridge, MA

Cambridge is a dream come true for those who rely on public transportation. The six-square-mile city features a wealth of subway stations (known locally as “the T”) and bus stops. Traveling to and from Boston is easy using the Red Line Subway, while the Green Line Trolley gives you access to just about every part of Cambridge.

If you don’t want to drive your car but also do not want to use the public transportation systems, you still have options. Many people choose to ride bikes or walk here as well as utilize rideshare services like Uber or Lyft.

How to get the cheapest car insurance in Cambridge, MA

TWhether you’re looking for minimum coverage or full coverage with the ability to bundle your auto insurance policy with your renters or homeowners insurance, you can find a cheap car insurance policy by comparing quotes with Insurify. Our system provides you with real quotes from national providers such as Allstate and from local insurance companies in your area.

The days of spending hours on the phone with an insurance agent or wasting time going to individual provider websites are over. With Insurify, simply enter some information about your vehicle and driving history to get started. It’s free to use, and the average Insurify user saves $585 annually just by switching to a provider they found on the platform.

Find local Cambridge agents

Ralph J Galante Insurance Agency Inc
1939 Massachusetts Ave., Cambridge, MA 02140
Kaplansky Insurance Agency
1361 Cambridge St, Cambridge, MA 02139
T Edmund Garrity & Co Inc
545 Concord Ave Ste 16, Cambridge, MA 02138
Ribeiro DeSousa Insurance
1092 Cambridge St, Cambridge, MA 02139
Affordable Insurance Agency Inc D/b/a Thomas F Coughlin Insurance
1303 Cambridge St, Cambridge, MA 02139
Eagle Trust Insurance
125 Cambridgepark Drive Suite 301, Cambridge, MA 02140
Cabot Risk Strategies dba Foti Insurance Agency
402 Cambridge St, Cambridge, MA 02141
AssuredPartners / WTPhelan Insurance Agency
1812 Massachusetts Ave, Cambridge, MA 02140-2741
Surround Insurance
1 Broadway 14th Floor, Cambridge, MA 02142
Fucillo-Sasso Associates
599 Cambridge St. Ste C2, Cambridge, MA 02141

Insurify Insights: How Cambridge Drivers Measure Up

Audi A4
Most Popular Car in
Cambridge, MA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Cambridge drivers measure up to their fellow Massachusetts motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Cambridge

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cambridge drivers rank 24 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #24
  • Percent of drivers in Cambridge with an accident: 9.62%
  • Drivers in Cambridge, MA with an accident in their driving history paid on average 0.72% more than drivers with a clean record

Speeding in Cambridge

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Cambridge drivers rank 10 in the number of speeding infractions per driver.

  • Rank within state: #10
  • Percent of drivers in Cambridge with a speeding ticket: 7.48%
  • Drivers in Cambridge, MA with a speeding ticket in their driving history paid on average -88.49% more than drivers with a clean record

DUI/DWIs in Cambridge

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cambridge drivers rank 15 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #15
  • Percent of drivers in Cambridge with a DUI: 0.92%
  • Drivers in Cambridge, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Cambridge

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cambridge is the Audi A4.

Rude in Cambridge

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Massachusetts, Cambridge drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Cambridge with a reckless driving violation: 2.29%
  • Drivers in Cambridge, MA with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Cambridge

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cambridge drivers rank 2 in clean driving records across all cities in Massachusetts.

  • Rank within state: #2
  • Percent of drivers in Cambridge with clean record: 84.12%

Failure to Yield the Right of Way in Cambridge

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cambridge drivers rank 3 in failure to yield violations per driver across all cities in Massachusetts.

  • Rank within state: #3
  • Percent of drivers in Cambridge with a failure to yield violation: 0.46%
  • Drivers in Cambridge, MA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Cambridge

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Massachusetts, Cambridge drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Cambridge with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Cambridge

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cambridge drivers rank 3 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #3
  • Percent of drivers in Cambridge with a hybrid/electric vehicle: 3.33%

FAQs - Cambridge, MA Car Insurance

How do I find cheap car insurance in Cambridge, MA?

The easiest way to find cheap car insurance in Cambridge is to compare customized quotes with Insurify. You’ll be able to compare premiums side-by-side, whether you’re looking for a full coverage policy or a liability policy to meet Massachusetts’ minimum requirements.

How much does car insurance cost in Cambridge, MA?

The average cost of car insurance in Cambridge is $119 per month, or $1,428 per year. However, it is important to remember that personal factors such as your age, your driving history, and even your marital status can affect your rates. That’s why it’s important to shop around and compare car insurance quotes from multiple providers before choosing your policy.

What drives up car insurance rates in Cambridge, MA?

Young drivers will pay more for car insurance in Cambridge, as will drivers with accidents, tickets, and other driving infractions on their records. People who want a full-coverage policy with a low deductible will also pay significantly more for car insurance than those who opt for state minimum coverage.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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