Updated: January 28, 2026
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Cambridge drivers can get minimum coverage for $27 monthly through Plymouth Rock. The same company offers full coverage at $75 monthly or $904 yearly. These rates assume a clean driving record and reflect competitive pricing in Massachusetts' insurance market.
Your age and driving history determine which provider gives you the lowest premium, so get quotes from multiple insurers to find the best rate for your situation.
| Plymouth Rock Insurance | $75 | $27 | -38% |
| Geico | $80 | $39 | -28% |
| Amica | $98 | $42 | -15% |
| Norfolk & Dedham Insurance | $98 | $44 | -14% |
| Quincy Insurance | $107 | $50 | -5% |
Massachusetts residents often spend $91 monthly for full coverage, but Cambridge drivers pay higher costs at $110 per month. Minimum coverage shows a similar gap, with Cambridge at $50 compared to the state's $40 average.
The city's dense population creates more traffic congestion and higher accident rates, while urban areas also see increased vehicle theft. These factors combine to push Cambridge's premiums well above statewide averages.
Getting quotes from multiple insurers helps drivers find the most competitive rates available in their area.
| $110 | $91 |
Read More: The cheapest car insurance in Massachusetts
Car insurance costs across age groups in Cambridge show how insurers assess risk. Young drivers pay average monthly premiums of $204 across the top five insurers. Adults pay $92. Seniors pay $91. This gap reflects young drivers' inexperience and higher likelihood of filing claims.
Cheapest Cambridge car insurance by age:
Age matters less once drivers establish experience. The small difference between adult and senior rates shows that insurers view experienced drivers similarly whether they're 40 or 70.
Young Cambridge drivers pay high insurance costs with rates averaging $204 monthly compared to $92 for adults across the city's top five insurers. Plymouth Rock is cheapest at $141 monthly or $1,693 yearly for full coverage, but even this reflects how insurers see drivers 16 to 25 as high-risk because of inexperience and higher accident rates.
These premiums run more than double what experienced drivers pay. Young Cambridge drivers save $117 monthly by choosing Plymouth Rock over Norfolk & Dedham at $258 monthly.
Add a young driver to your family policy instead of getting standalone coverage, but expect rates to stay high through age 25.
Note: Teen drivers must meet state licensing requirements and may have additional restrictions. Parents should verify coverage adequacy with their insurance provider.
| Plymouth Rock Insurance | $141 | $1,693 |
| Geico | $164 | $1,972 |
| Amica | $205 | $2,455 |
| Arbella | $254 | $3,048 |
| Norfolk & Dedham Insurance | $258 | $3,101 |
Cambridge seniors enjoy competitive car insurance rates thanks to their clean driving records and decades of experience, with Norfolk & Dedham offering the lowest premiums at $75 monthly or $895 annually for full coverage.
Most insurers recognize the value of experienced drivers, but some may raise rates for those over 70 because of slower reaction time concerns. Across the city's five cheapest options, seniors average $91 monthly, just $1 more than the $92 adult average, which shows insurers view experienced drivers favorably.
Seniors save $27 monthly by choosing Norfolk & Dedham over Farmers at $102 monthly. Complete defensive driving courses or keep annual mileage under 7,500 miles to get extra discounts for bigger savings.
| Norfolk & Dedham Insurance | $75 | $895 |
| Geico | $80 | $955 |
| Plymouth Rock Insurance | $96 | $1,157 |
| Arbella | $102 | $1,221 |
| Farmers | $102 | $1,225 |
Cambridge's adult drivers between ages 26 and 64 benefit from the area's most competitive insurance rates because insurers view them as ideal customers who blend extensive driving experience with lower accident involvement.
Plymouth Rock leads with $75 monthly or $904 annually for full coverage, while the five cheapest providers average $92 monthly for adults. This represents the most affordable pricing of any age category in the city.
Adults can save $32 monthly by choosing Plymouth Rock over Quincy Insurance's $107 rate. Maintaining clean driving records and bundling policies creates opportunities for even deeper discounts
| Plymouth Rock Insurance | $75 | $904 |
| Geico | $80 | $963 |
| Norfolk & Dedham Insurance | $98 | $1,170 |
| Amica | $98 | $1,177 |
| Quincy Insurance | $107 | $1,278 |
Cambridge drivers pay much higher insurance costs once violations appear on their records. Plymouth Rock leads across categories, charging $27 monthly for minimum liability with clean records, $41 for speeding tickets and $46 for DUI violations.
Average rates among the city's five cheapest insurers climb from $38 for clean drivers to $49 for speeding violations, $63 for at-fault accidents and $80 for DUIs. At-fault accidents push premiums higher because you've demonstrated actual property damage or injury responsibility, marking you as a proven risk to insurers.
DUIs create the largest increases by mixing dangerous behavior with serious legal consequences, placing you in the highest-risk category and often requiring SR-22 filing for license reinstatement. Speeding tickets generate smaller bumps since they signal risky driving without proving crash involvement.
| Plymouth Rock Insurance | $46 | $551 |
| Geico | $68 | $811 |
| Progressive | $93 | $1,120 |
| Amica | $94 | $1,125 |
| Norfolk & Dedham Insurance | $100 | $1,199 |
Cambridge drivers see a wide range of monthly insurance costs, from just $44 in ZIP code 02139 up to $126 in ZIP code 02140. See your ZIP code's rate in the table below.
For Cambridge's three most populous areas (02139, 02138 and 02140), minimum coverage costs $100, $126 and $126 monthly.
These rate differences stem from neighborhood factors like crash frequency, car theft rates, how crowded each area is and uninsured driver percentages. Click the filter above the table to find your ZIP code and see your neighborhood's average rate.
| 02138 | $59 | $126 |
Cambridge drivers can get competitive rates without sacrificing proper coverage by knowing which insurers offer the best value.
Try our car insurance coverage needs calculator for customized advice. It determines the right coverage amount based on your situation and budget.
Check types of car insurance options in Cambridge. Try pay-per-mile coverage if you drive infrequently or non-owner policies if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your Cambridge neighborhood. Local rates vary, so know your area's typical pricing to set realistic expectations.
Explore every car insurance discount opportunity insurers offer. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Check company ratings and customer feedback for insurers serving Cambridge. Financial strength ratings and customer satisfaction scores help identify reliable insurers with good claim-handling reputations.
Request quotes from at least three carriers. Prices vary between insurers for identical coverage, so comparison shopping is essential for finding affordable rates.
Review your policy yearly to stay competitive with current rates. Your circumstances and available discounts change over time, so regular reviews keep you getting optimal coverage at the best price.
Want to find affordable coverage in Cambridge? This FAQ offers clear answers about available discounts, state regulations and policy options to help you secure coverage that works for your budget and meets your protection needs.
Plymouth Rock has Cambridge’s cheapest minimum coverage at $324 annually and the most affordable full coverage at about $900 per year. Rates vary by driver, so comparing quotes helps identify the best option for your profile.
Plymouth Rock ranks first among Cambridge's car insurance providers, earning a MoneyGeek score of 95 out of 100 and outpacing Amica by four points. The company performs well in both affordability and coverage options.
Cambridge drivers pay $600 annually for minimum coverage and $1,320 for full coverage car insurance. Your actual premiums depend on your individual situation.
Yes, Cambridge has expensive car insurance costs, ranking 464th for minimum coverage and 457th for full coverage affordability among Massachusetts cities.
Cambridge drivers pay some of Massachusetts's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Cambridge's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
