Car Insurance Cambridge, MA

How Much Does Car Insurance Cost In Cambridge?

Cambridge Rates Vs Massachusetts Vs United States Averages

Massachusetts car insurance for full coverage costs $1223 per year. Drivers in Cambridge pay a little bit more for car insurance. On average, full coverage costs $1,339 per year, and minimum coverage costs $986 per year. Our car insurance guide in Massachusetts includes average rates based on age, credit score, driving history, and marital status.

Cambridge Auto Insurance Premiums By Company

Car insurance rates in Cambridge vary a lot. The full coverage policy from Safety Group is the least expensive in Cambridge. But if you want a minimum coverage policy, Plymouth Rock Assurance is the best choice.

Cambridge Auto Insurance Premiums By Age Group

The lowest rates are for rivers in their 70s, which cost $1,062 per year. When a driver in Cambridge turns 20 and moves out of the teenage age group, their premiums go down by 64%. Teenage drivers pay the most for car insurance, with an average payment of $4,800. This is more than any other age group.

Cambridge Auto Insurance Premiums By Driving record

In Cambridge, drivers with a DUI pay more than twice the average rate for the city. For reckless driving, the premium would go up to an average rate of $2,668.

How much your insurance rates go up after an accident depends on how much damage it causes. If you cause an accident that costs more than $2,000 in damages, your premiums will go up by 4% per year. This is compared to an accident that costs less than $1,000 in damage.

Cambridge Auto Insurance Premiums by Zip Code

Even though the cost of auto insurance in a city tends to be about the same, rates can be higher or lower depending on things like the number of people living there, the amount of traffic, and the crime rate. Different ZIP codes in Cambridge have different rates too.

What Would Increase Your Car Insurance Rate In Cambridge?

Massachusetts's auto insurance rates are high for a number of reasons, such as the state's no-fault auto insurance laws, the fact that the state has extreme weather, the average driver's profile, and the number of drivers who don't have insurance. Cambridge being a part of Massachusetts certainly has its influences.

Auto Theft Statistics In Cambridge

In Massachusetts, a lot more cars are stolen than in the rest of the country. If your car is stolen or damaged, a full-coverage Cambridge car insurance policy will pay for the damage or loss.

Nationally, 2.94 cars are stolen for every 1,000 cars that are registered. According to the statistics, there are 1.91 car thefts per 1,000 registered vehicles in Massachusetts.

Accidents Statistics In Cambridge

Some of the most dangerous roads in the world are in Cambridge. New numbers show how many people get hurt or die on the county's roads. Over the last ten years, there have been about the same number of deaths each year.

Men between the ages of 16 and 25 are the most likely to die in an accident on a Cambridge shire road, according to new data. It's probably not a big surprise that bikes caused the most injuries on Cambridge's roads.

There were 230 cyclist-related injuries in the city, 40 of which were serious, but no deaths. In the city, car accidents were the second most common cause of road injuries, but they were much less common than cycling accidents. In every other part of the county, most road deaths were caused by cars.

Auto insurance in Cambridge: Minimum insurance requirement in Massachusetts

Useful Info For Driving in Cambridge

Rules as per Cambridge Street code

• Must stop at red lights and stop signs.
• Must yield to people in crosswalks.
• Must not travel, park, or stop in a bike lane.
• Must stop behind the crosswalk and bike box even if empty.
• Must yield (when turning or parking) to people on bikes who are going
• straight.
• Must never text and drive — it’s illegal and deadly!
• Must never pass another vehicle stopped at a crosswalk.
• Citywide speed limit is 25 mph unless otherwise marked.

Parking

Whether you live in Cambridge or are just visiting, you may need to park a car. Here are some info to keep in mind.

• Most residential streets have signs that say "Permit Only" for parking. You must have a permit to park in these places.
• You can pay for a parking ticket in different ways. You can file a dispute if you think the ticket is not valid.
• From April to December, each street is cleaned by a machine once a month by DPW. To avoid getting a ticket and having your car towed, you must move it.
• If you have a placard or license plate that says you have a disability, you can ask for a disabled parking spot in front of your home.
• When a snow emergency is called, some Cambridge parking garages charge less for parking.

Parking meters

Where there are parking meters, there are signs that say: The dates and times the meter is in use, as well as the maximum amount of time you can park there.

When you see the word "Except" on a sign at a parking meter, it means that the meter and its maximum time limit are not in use on that day or at that time.

For example, a sign that says "2-Hour Parking, 8 AM to 6 PM, except Saturday and Sunday" means: Monday through Friday, between 8 a.m. and 6 p.m., you have to pay to park there. You can park for no more than two hours.

Outside of the posted time, you can park for more than two hours without having to feed the meter. If you see other signs, like "Street Sweeping," you may need to move your car.

If you don't have a Resident Parking Permit, you can park for as long as you want when the meters aren't running. Even if you don't have a Resident Permit, you have to move your car every 24 hours.

Driving Conditions in Cambridge

• Cambridge, Massachusetts gets 48 inches of rain, on average, per year.
• Cambridge averages 50 inches of snow per year.
• On average, there are 201 sunny days per year in Cambridge.
• The traffic conditions seem easy to navigate.

Car Insurance Companies in Cambridge

If you drive and own a car, you need auto insurance not only for your protection but also because Massachusetts state law requires it. These are the top car insurance companies in Cambridge: