Updated: November 4, 2025
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Plymouth Rock Insurance offers the cheapest car insurance in Cambridge. GEICO, Amica, Norfolk & Dedham Insurance and Safety Insurance also provide coverage in the city.
Car insurance in Cambridge costs an average of $599 per year for minimum coverage and $1,326 per year for full coverage.
Plymouth Rock Insurance also offers the cheapest car insurance in Massachusetts at $274 per year for minimum coverage and $997 per year for full coverage.
Plymouth Rock Insurance delivers Cambridge's lowest rates with minimum coverage at $320 per year, 47% below the city average of $599. Plymouth Rock Insurance also charges $904 per year for full coverage.
GEICO presents an alternative at $462 annually for minimum coverage. While more expensive than Plymouth Rock Insurance, GEICO attracts drivers seeking its streamlined digital experience and national service network.
Young drivers in Cambridge pay $669 annually with Plymouth Rock Insurance for minimum coverage. Adult drivers secure the lowest rates at $320 per year with Plymouth Rock Insurance, a 52% discount compared to younger policyholders.
Norfolk & Dedham Insurance charges seniors $419 annually, a 31% increase over adult rates. Cambridge's moderate senior penalty reflects the city's mix of experienced drivers navigating familiar urban and suburban conditions.
Plymouth Rock offers the lowest car insurance rates for young drivers in Cambridge, with monthly premiums starting at $93.
| Plymouth Rock Insurance | $56 | $669 | -54% |
| Geico | $82 | $982 | -32% |
| Safety Insurance | $86 | $1,027 | -29% |
| Amica | $88 | $1,054 | -27% |
| Farmers | $108 | $1,294 | -11% |
Plymouth Rock Insurance offers Cambridge's most affordable insurance for adult drivers (26 to 64) at $27 per month, saving drivers around 50%.
| Plymouth Rock Insurance | $27 | $320 | -50% |
| Geico | $39 | $462 | -28% |
| Safety Insurance | $41 | $490 | -24% |
| Amica | $42 | $501 | -22% |
| Norfolk & Dedham Insurance | $44 | $532 | -18% |
For seniors in Cambridge, Norfolk & Dedham Insurance provides the most affordable car insurance rates across both coverage types. Minimum coverage starts at $35 monthly ($419 annually), while full coverage costs $75 per month ($8985 per year). Both options save drivers more than 38% compared to the city average.
| Norfolk & Dedham Insurance | $35 | $419 | -38% |
| Safety Insurance | $39 | $465 | -32% |
| Geico | $41 | $493 | -28% |
| Farmers | $41 | $496 | -27% |
| Plymouth Rock Insurance | $42 | $502 | -26% |
These insurance companies offer the most affordable rates for high-risk drivers in Cambridge:
Plymouth Rock offers the most affordable car insurance rates in Cambridge for drivers with a DUI. Their policies cost 56% less than the city average for both minimum and full coverage options.
| Plymouth Rock Insurance | $46 | $551 | -56% |
| Geico | $68 | $811 | -36% |
| Progressive | $93 | $1,120 | -11% |
| Amica | $94 | $1,125 | -11% |
| Norfolk & Dedham Insurance | $100 | $1,199 | -5% |
Plymouth Rock offers Cambridge drivers with accidents the lowest car insurance rates, starting at $44 monthly. Their state minimum liability coverage costs 48% less than the city average.
| Plymouth Rock Insurance | $44 | $534 | -48% |
| Geico | $59 | $704 | -32% |
| Arbella | $71 | $849 | -18% |
| Safety Insurance | $71 | $851 | -18% |
| Norfolk & Dedham Insurance | $71 | $851 | -17% |
For Cambridge drivers with speeding tickets, Plymouth Rock offers the most affordable insurance options. Minimum liability coverage starts at $41 monthly, while GEICO offers the cheapest full coverage at $90 per month.
| Plymouth Rock Insurance | $41 | $486 | -38% |
| Geico | $43 | $519 | -34% |
| Safety Insurance | $50 | $603 | -23% |
| Amica | $52 | $622 | -21% |
| Norfolk & Dedham Insurance | $57 | $687 | -13% |
Plymouth Rock Insurance combines Cambridge's lowest premiums with strong customer satisfaction scores. Amica delivers competitive rates alongside outstanding customer service ratings.
Both companies serve Cambridge drivers effectively, with Plymouth Rock Insurance leading in affordability and Amica excelling in service quality.
| Plymouth Rock | 95 | 1 | 3 | 1 |
| Amica | 91 | 3 | 1 | 7 |
| Norfolk & Dedham | 85 | 4 | 5 | 4 |
| Geico | 84 | 2 | 7 | 8 |
| Safety | 82 | 6 | 10 | 2 |
Top-rated coverage options
Strong customer service ratings
Cheapest for most driver types
Online tools need improvement
Plymouth Rock leads Cambridge car insurance providers with outstanding coverage and affordability ratings. The company costs less than the city average and ranks cheapest for many drivers, including adults, young drivers and those with accidents or DUIs.
Its perfect coverage score means customers get comprehensive protection options, while strong customer service ratings show it delivers when you need it.
Outstanding customer satisfaction
Quick claims processing
User-friendly experience
Limited coverage options
Higher rates than some competitors
Amica is well known for its excellent customer service, earning the highest satisfaction rating in Cambridge. Its easy claims process and responsive representatives make managing insurance simple.
Although its rates are higher than some competitors and coverage options are somewhat limited, Amica’s strong focus on customer care makes it a great choice for drivers who value quality service and support.
Cambridge averages $599 per year for minimum coverage and $1,326 per year for full coverage. These rates significantly exceed Massachusetts's state average of $366 for minimum coverage.
Plymouth Rock Insurance's $320 minimum coverage rate sits well below Cambridge's average. This academic hub's elevated premiums reflect dense traffic from students and commuters, though rates remain more moderate than Boston's neighboring market.
| Full Coverage | $110 | $1,326 |
| Minimum Coverage | $50 | $599 |
In Cambridge, car insurance rates by ZIP code range from $44 to $126 per month. ZIP code 02138 has the highest rates, while 02139 has the lowest. Check the average rates for your ZIP code on the table below.
| 02138 | $59 | $126 |
Cambridge drivers pay some of the highest car insurance rates in Massachusetts, but you don't have to settle for expensive premiums. Our step-by-step guide shows you how to find affordable coverage that fits your needs and budget.
Start by determining how much coverage you actually need for your situation. Use our car insurance coverage needs calculator to get a personalized recommendation based on your car's value and financial situation.
This creates a solid foundation for comparing quotes and helps you avoid overpaying for unnecessary coverage.
Different types of car insurance can save you money based on your driving habits. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Non-owner coverage might be your best bet.
Research average vehicle insurance costs in Cambridge to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Insurance costs vary based on your location, driving record and vehicle type.
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also lead to savings.
Look beyond just price when choosing an insurer. Check customer reviews, claims satisfaction ratings and financial strength scores. A company with slightly higher rates but excellent service might save you money and stress when you need to file a claim.
Request quotes from at least three different insurance companies. Use a mix of online comparison tools, local agents and direct insurer websites. Each company sets rates differently, so comparing multiple quotes helps you find the best deal.
Set a reminder to review your coverage annually. Your insurance needs can change with life events, vehicle upgrades or improved driving records. Regular reviews ensure you maintain appropriate coverage at the best possible rate.
Car insurance rates in Cambridge vary based on your age, driving record and vehicle type. Plymouth Rock and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Find straightforward answers about affordable car insurance in Cambridge. We'll help you understand coverage options and costs so you can choose the right policy for your budget.
Plymouth Rock offers Cambridge's lowest rates, averaging $320 for minimum coverage and $904 for full coverage. Rates vary by personal factors, so compare quotes from multiple insurers.
Plymouth Rock leads Cambridge's car insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than Amica. They excel in both affordability and customer service.
In Cambridge, drivers pay $1,326 per year for full coverage and $599 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Cambridge car insurance costs are higher than average, ranking 464th for minimum coverage affordability and 457th for full coverage compared to other Massachusetts cities.
To help drivers in Cambridge find affordable auto insurance, MoneyGeek analyzed rates using data from the Massachusetts Division of Insurance and Quadrant Information Services.
We reviewed all ZIP codes in the city and analyzed hundreds of thousands of quotes from 12 insurance companies operating in Massachusetts to identify the best and most cost-effective options for local drivers.
Cambridge Driver Profile
To calculate average rates, MoneyGeek used the following sample driver profile:
We also adjusted factors such as age, driving record, credit score, and military affiliation to identify the best insurers for different types of drivers.
Coverage Levels in Cambridge
We compared the most affordable providers for both minimum coverage and full coverage auto insurance policies.
The minimum coverage requirements in Massachusetts are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all insurers in Cambridge using the following factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
