Cheapest Car Insurance Quotes in Cambridge

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Cambridge Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cambridge

The car insurance rate in Cambridge is $1685 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Cambridge can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cambridge

$1685

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Cambridge

1st place: Safety Group

At $491 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $575 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $732 for six months, making it the third cheapest auto insurance company in Cambridge.

Cambridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cambridge, MA is Safety Group, offering policies at just $491 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $575.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5463 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cambridge drivers find the best deals.

Cheap Car Insurance Companies in Cambridge, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$491	$81
Vermont Mutual	$575	$98
Safety	$732	$122
American Family	$823	$139
Hanover	$909	$153
Arbella	$922	$156
State Farm	$1000	$168
Norfolk & Dedham	$1098	$187
Farmers	$1156	$193
Norfolk & Dedham Mutl Fire Ins	$1163	$198
Travelers	$1300	$217
Plymouth Rock	$1509	$254
Progressive	$2196	$370
USAA	$2934	$494
Allstate	$4711	$793
Amica Mutual	$5463	$928

Key Takeaways

Way's key takeaways about car insurance in Cambridge

The auto insurance costs in Cambridge fall around $491 for six months.
The cheapest auto insurance company in Cambridge is State Farm.
Teen drivers pay the highest rate in Cambridge at $848 per month.

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Cheapest Minimum Liability Car Insurance in Cambridge

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cambridge are given below.

State Farm provides the cheapest minimum car insurance coverage in Cambridge. Their Average 6 Month Premium is $111. Allstate is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Cambridge, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$111	$19
Safety Group	$157	$26
Vermont Mutual	$164	$28
American Family	$196	$33
Hanover	$222	$37
Plymouth Rock	$242	$41
Amica Mutual	$262	$44
Chubb	$262	$44
USAA	$281	$47
Norfolk & Dedham Mutl Fire Ins	$287	$48
Farmers	$300	$51
Safety	$314	$53
Norfolk & Dedham	$320	$54
The Hanover	$320	$54
Amica	$327	$55
Arbella	$340	$58
Travelers	$360	$61
Progressive	$484	$81
Allstate	$503	$84

Cheapest Full Coverage Car Insurance in Cambridge

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cambridge is Safety Group at $81 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cambridge, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$491	$81
Vermont Mutual	$575	$98
Safety	$732	$122
American Family	$823	$139
Hanover	$909	$153
Arbella	$922	$156
State Farm	$1000	$168
Norfolk & Dedham	$1098	$187
Farmers	$1156	$193
Norfolk & Dedham Mutl Fire Ins	$1163	$198
Travelers	$1300	$217
Plymouth Rock	$1509	$254
Progressive	$2196	$370
USAA	$2934	$494
Allstate	$4711	$793
Amica Mutual	$5463	$928

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Average Car Insurance in Cambridge by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cambridge, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Cambridge, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cambridge's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cambridge

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$395
30s	State Farm	$319
40s	State Farm	$319
50s	State Farm	$319
60s	State Farm	$282
70s	State Farm	$243

Cheapest Car Insurance Rates for Teen Drivers in Cambridge,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Cambridge at $29 per month. At $4985 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$169	$29
Vermont Mutual	$183	$31
Hanover	$209	$35
American Family	$229	$39
Safety	$294	$50
Farmers	$340	$58
State Farm	$491	$83
Plymouth Rock	$784	$132
USAA	$1202	$202
Amica Mutual	$2666	$453
Progressive	$3358	$560
Allstate	$4985	$848

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Cambridge.

As young drivers face the highest rates in Cambridge, State Farm offers the cheapest auto insurance rates at $395 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Car Insurance Rates with An Accident in Cambridge

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cambridge, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cambridge

The cheapest car insurance companies after an at-fault accident in Cambridge include American Family and Safety Group, offering $268 and $300, respectively. Allstate is an expensive provider with an average six-month premium of $2247.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$268	$45
Safety Group	$300	$51
Vermont Mutual	$307	$52
State Farm	$327	$55
Norfolk & Dedham	$516	$86
The Hanover	$556	$95
Plymouth Rock	$601	$101
Arbella	$751	$127
Safety	$791	$133
USAA	$915	$154
Travelers	$1216	$205
Hanover	$1235	$208
Progressive	$1392	$234
Amica Mutual	$1458	$248
Farmers	$2130	$355
Allstate	$2247	$382

Cambridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cambridge MA. For example, the car insurance in Cambridge after a DUI increases to $817 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Cambridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$869	$145
One Med/PIP claim	$869	$147
Not-at-fault accident	$895	$150
One comp claim	$895	$152
Two Med/PIP claims	$895	$150
Two comp claims	$927	$157
At-fault accident - less than $1000	$960	$161
Child safety restraint	$993	$169
Driving without lights	$993	$165
Failure to wear a seat belt	$1007	$172
Cell phone violation	$1078	$179
Texting while driving	$1078	$184
Driving too slowly	$1085	$180
Failure to stop at a red light	$1085	$185
Failure to yield	$1085	$180
Following too closely	$1085	$185
Illegal turn	$1085	$180
Improper passing	$1085	$185
Speeding 11 - 15 MPH over limit	$1085	$180
Speeding 16 - 20 MPH over limit	$1085	$185
Speeding 6 - 10 MPH over limit	$1085	$180
Speeding in school zone	$1085	$185
Wrong way/wrong lane	$1085	$180
In 65 MPH zone	$1091	$186
Speeding 21 - 25 MPH over limit	$1091	$182
Operating a vehicle without permission	$1098	$187
Passing school bus	$1144	$190
At-fault accident - $1000-$2000	$1346	$229
Failure to show documents	$1372	$229
At-fault accident - greater than $2000	$1378	$234
Driving with expired registration	$1385	$231
Open container	$1464	$249
Reckless driving	$1581	$264
Refusal to submit to a chemical test	$1614	$274
Driving with a suspended license	$1680	$279
Racing	$1680	$286
DUI	$1686	$281
Leaving scene of an accident/hit and run	$1705	$290

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cambridge after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cambridge.

The cheapest car insurance premiums in Cambridge are offered by American Family at $327 for a six-month policy. However, it can be as expensive as $2790 with companies like Allstate.

Cambridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$327	$55
Safety Group	$360	$62
Vermont Mutual	$373	$62
State Farm	$398	$67
Plymouth Rock	$725	$122
Progressive	$798	$134
Hanover	$1013	$171
Arbella	$1098	$185
USAA	$1555	$262
Safety	$1627	$276
Amica Mutual	$1902	$317
Travelers	$1993	$339
Farmers	$2470	$411
Allstate	$2790	$474

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cambridge are offered by State Farm at $144. However, it can be as expensive as $1718 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Cambridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$144	$24
Safety Group	$189	$32
Vermont Mutual	$216	$36
American Family	$268	$45
Plymouth Rock	$647	$109
Safety	$915	$155
Arbella	$922	$154
USAA	$947	$161
Hanover	$1131	$190
Progressive	$1209	$206
Farmers	$1458	$243
Travelers	$1718	$293

Car Insurance Price Trends in Cambridge, Massachusetts

Car insurance rates in Cambridge have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cambridge dipped by $240 in December compared to $244 of November. In other words, there has been an decrease by $4 when you compare December and November.

The average cost of liability insurance in the Cambridge rose to $47 in December, compared to $46 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Cambridge by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Cambridge. At $2241 for a six-month policy, insuring your car at 2139 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
2139	$2241	$377
2138	$2224	$374
2142	$1735	$292
2141	$1887	$317
2140	$1988	$334

Frequently Asked Questions

How much is car insurance in Cambridge?

The car insurance in Cambridge is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Cambridge?

The cheapest car insurance in Cambridge is $81 per month for full coverage.

How much is car insurance in Cambridge for teenagers?

Car insurance for teenagers costs $169 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cambridge?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $284 per month to insure your car in Cambridge.

Is car insurance expensive in Cambridge?

Car insurance can be expensive in Cambridge if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cambridge can be affordable.

What is the best car insurance in Cambridge, MA?

The best car insurance company in Cambridge MA is Safety Group, offering $491 for a six-month policy.