Cheap Auto Insurance Quotes in Cambridge, MA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Home to Harvard University and over 100,000 people, Cambridge packs a lot into a small area. Situated just outside of Boston, the city holds a similar reputation to its neighbors when it comes to driving, as surface streets and freeways are clogged with traffic and can be stressful to navigate. Parking in Cambridge is also tricky and adds to motorist frustration. Accidents are somewhat common here, so it’s advised that you enroll in robust auto coverage before you drive anywhere.

Car Insurance in Cambridge, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cambridge, MA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Cambridge, MA

Here are the cheapest carriers in Cambridge for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Cambridge, MA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Cambridge. For the complete list, see Insurify's best car insurance companies.

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

Teenagers might be able to afford their car insurance payment at $397 per month, perhaps with a little help from mom and dad. In Cambridge, the prices get lower as the years of experience behind the wheel increase. For this reason, twentysomethings see an immediate $200 price drop over the youngest drivers. From there, everyone 30 and older gets a rate below the state average of $168 per month. Those in their 80s and above get the best deal, with a price that’s less than 20 percent of what teen drivers shell out.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$162
Speeding Ticket$120
At-Fault Accident$131
Failure to Stop for Red Light / Stop Sign$121

Cambridge Car Insurance Rates by Driving and Accident History

Bay Staters know the smartest drivers put safety first. And insurance companies show how much they like the idea by rewarding responsible residents with “good driver” and “accident-free” discounts. If so, why do drivers with no violations pay most of all? Often, people with offenses strip down their policies and pick liability only, skipping comprehensive and collision coverage. All things being equal, the safest drivers snag the best rates, and after three years of careful driving, those with poor records can qualify for the lowest prices again.

Cambridge Car Insurance Rates by Credit Tier

What does credit have to do with driving? Massachusetts answers, “absolutely nothing.” If so, why do people in Cambridge with the best credit pay the least? People with lower credit may not qualify for the same bundling discounts typical to those with better credit, such as the price break for owning a home. Even without the insurance companies making credit a factor, a move from poor to excellent credit may net savings of $175 per month, or $1,800 per year.

Credit TieAvg. Monthly Cost

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 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. Many people choose to ride bikes or walk here as well as utilize rideshare services like Uber or Lyft.

Conclusion: How to get the best and cheapest car insurance in Cambridge, MA

Cambridge is a bustling city filled with permanent residents, students, and visitors who are considering attending Harvard. With so many cars on the road, it’s important to learn how to navigate Cambridge to save yourself time and stress while driving. Avoiding traveling during rush hour is advised, and walking or biking can also help for shorter errands.

While driving in Cambridge may be stressful, purchasing car insurance doesn’t have to be. Drivers who use Insurify can save money and time by comparing quotes online and enrolling in a new policy in a matter of minutes. Rather than having to pay for mediocre coverage just to save money, you can purchase the policy you truly want.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Cambridge stacks up for the state of Massachusetts:

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

FAQs - Cambridge, MA Car Insurance

Why is car insurance in Cambridge so expensive?

A variety of factors contribute to auto coverage pricing; however, Massachusetts is a no-fault state with high vehicle repair costs. These, along with other considerations, all boost prices higher than the state and national averages.

Is it a serious offense to drive in Cambridge without auto insurance?

Drivers must maintain continuous insurance coverage for their vehicles, and if you’re found driving without proof of insurance, you could pay a hefty fine. Depending on the circumstances, the ticket you’re issued could range from $500 to $5,000.

Can I purchase cheap car insurance in Cambridge?

Robust auto insurance doesn’t have to be expensive when you use Insurify. Simply answer a few questions and compare rates from multiple insurance companies at once. Insurify helps you save time and money.