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Cambridge Auto Insurance Key Takeaways

  • Massachusetts has comparatively affordable car insurance rates in the country, with Cambridge paying a tad bit more than the statewide average.
  • Massachusetts car insurance full coverage costs $1,339 per year, and minimum coverage costs $986 per year, on average.
  • Cambridge insurance rates aren't affected by gender, marital status and credit score.

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 (Annual Average) Massachusetts (Annual Average) United States (Annual Average)
$1,339 $1223 $1,557

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.

Insurance Company Annual Rate
Safety Group $1,290
Plymouth Rock Assurance $1,338
State Farm $1,404
USAA $1,564

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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.

Age Average Annual Rate
Teenagers $4,800
20s $1,725
30s $1,286
40s $1,242
50s $1,198
60s $1,097
70s $1,062

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.

Incident Average Annual Rate
DWI/DUI $2,688
Reckless Driving $2,668
At-fault Accident (damages less than $1,000) $2,192
At-fault Accident (damages greater than $2,000) $2,294
Speeding Ticket (16-20 mph over speed limit) $1,672

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.

ZIP code Average Annual Rate
02138 $1,638
02139 $1,677
02140 $1,642

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

Required Coverage Required Minimum Limit
Bodily Injury to Others $20,000 per person;
$40,000 per accident
Personal Injury Protection $8,000 per person, per accident
Bodily Injury Caused by an Uninsured Auto $20,000 per person;
$40,000 per accident
Damage to Someone Else's Property $5,000 per accident

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.


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.

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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:

Car Insurance Companies in Cambridge
Acceptance Insurance AFI
Allied Allstate
American Family Amica Mutual Insurance
Auto-Owners Branch
Massachusetts Farm Bureau Dairyland
Encompass Farmers
FIMC Foremost
Grange Insurance Hippo
Kemper Auto Liberty Mutual
Mendota MetLife
National General Nationwide
Progressive Safe Auto
Safeco State Auto
State Farm Titan
Travelers Unitrin

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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


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

One way is to do proper research and compare quotes. This will give you multiple options to select from. To cut done your premiums further:

  • Increase your deductible.
  • Drop add-on services
  • Combine policies.
  • Ask about safety feature discounts.
  • Ask about group discounts.

How much does car insurance cost in Cambridge, MA?

Full car insurance in Massachusetts costs $1223 per year. Car insurance costs a little bit more for people who live in Cambridge. Full coverage costs $1,339 per year on average, while minimum coverage costs $986 per year.

Is car insurance expensive in Cambridge?

Massachusetts has some of the most affordable car insurance rates in the country, with Cambridge paying a little bit more than the average for the state with rates of $1,339 per year for full coverage.

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Learn more by city and state for car insurance

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