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.

Cheapest Car Insurance Quotes in Cambridge, MA (2023)

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.

Quick Facts

The average cost of car insurance in Cambridge is $121 per month, or $1452 annually.
Car insurance in Cambridge is $5 less than the average cost of car insurance in Massachusetts.
The cheapest car insurance provider in Cambridge on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

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.

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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.

Insurance Provider in Cambridge	Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers	$60 /mo
Liberty Mutual	$184 /mo

Insurance Provider in Cambridge

Quotes

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.

Travelers

$60 /mo

Liberty Mutual

$184 /mo

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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.

Best Companies	Score	Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
American Family	89	$126 /mo
Liberty Mutual	82	$224 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Massachusetts Cities
Boston	$137/mo
Worcester	$158/mo
Springfield	$161/mo
Lowell	$134/mo
Cambridge	$122/mo
Massachusetts	$142/mo

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.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Massachusetts

All motor vehicles operated or parked on Massachusetts roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Massachusetts^[1] are:

$20,000 per person for bodily injury
$40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Massachusetts is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

$5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

$8,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

$20,000 per person for uninsured/underinsured motorist bodily injury
$40,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

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.

Driver's Age	Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
teens	$357
20s	$205
30s	$121
40s	$100
50s	$88
60s	$81
70s	$90
80s	$102

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.

Driving History	Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation	$141
Speeding Ticket	$161
At-Fault Accident	$180
Failure to Stop for Red Light / Stop Sign	$271

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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.

Credit Tier	Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent	$161
Good	$172
Average	$200
Poor	$249

See More: Bad Credit Car Insurance Massachusetts

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

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.

For more detailed Massachusetts city level guides, check out these below.

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.

Insurify Insights

How Cambridge Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Cambridge, Massachusetts below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Cambridge drivers measure up to their fellow motorists across Massachusetts in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Civic

#27

City with the Most Speeding Tickets Rank in Massachusetts

#57

City with the Most Moving Violations Rank in Massachusetts

#50

City with the Most DUIs Rank in Massachusetts

#55

City with the Most Suspended Licenses in Massachusetts

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 61 in the number of car accidents per driver across all cities in Massachusetts.
- Rank within state: #61
- Percent of drivers in Cambridge with an accident: 7.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cambridge drivers rank 50 in the number of DUI’s per driver across all cities in Massachusetts.
- Rank within state: #50
- Percent of drivers in Cambridge with a DUI: 0.6%
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 10 in the number of reckless driving offenses per driver.
- Rank within state: #10
- Percent of drivers in Cambridge with a reckless driving offense: 1.6%
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 9 in rude driving infractions.
- Rank within state: #9
- Percent of drivers in Cambridge with a reckless driving violation: 1.7%
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 27 in the number of speeding infractions per driver.
- Rank within state: #27
- Percent of drivers in Cambridge with a speeding ticket: 7.1%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cambridge drivers rank 4 in clean driving records across all cities in Massachusetts.
- Rank within state: #4
- Percent of drivers in Cambridge with clean record: 84.1%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cambridge drivers rank 6 in hybrid and electric vehicle ownership across all cities in Massachusetts.
- Rank within state: #6
- Percent of drivers in Cambridge with a hybrid/electric vehicle: 3.21%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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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.

More cities in Massachusetts

Popular cities

Sources

Massachusetts Division of Insurnace. "State Minimum Car Insurance Requirements." Accessed May 27, 2022

Tanveen VohraManager of Content and Communications

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

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Edited byOlivia OksenhornInsurance Writer

Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Reviewed byAmber BenkaLicensed Insurance Agent

Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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Table of contents

Table of contentsCompare quotes

Car Insurance in Cambridge, MA

Quotes by Top Companies

Cheapest Car Insurance in Cambridge, MA

Compare Car Insurance Quotes Instantly

Best Car Insurance in Cambridge, MA

Average Car Insurance Cost

Minimum Car Insurance Requirements in Massachusetts

Cambridge Car Insurance Rates by Driver Age

Cambridge Car Insurance Rates by Driving and Accident History

Cambridge Car Insurance Rates by Credit Tier

Find local Cambridge agents

Ralph J Galante Insurance Agency Inc

Kaplansky Insurance Agency

T Edmund Garrity & Co Inc

Ribeiro DeSousa Insurance

Affordable Insurance Agency Inc D/b/a Thomas F Coughlin Insurance

Eagle Trust Insurance

Cabot Risk Strategies dba Foti Insurance Agency

AssuredPartners / WTPhelan Insurance Agency

Surround Insurance

Fucillo-Sasso Associates

Cambridge, MA DMV Information

Public Transportation in Cambridge, MA

How to get the cheapest car insurance in Cambridge, MA

For more detailed Massachusetts city level guides, check out these below.

FAQs - Cambridge, MA Car Insurance

Insurify Insights

How Cambridge Drivers Measure Up

Honda Civic

#27

#57

#50

#55

Compare Car Insurance Quotes Instantly

Methodology

Related articles

More cities in Massachusetts

Popular cities

Sources

Compare Car Insurance Quotes Instantly

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