Updated: November 11, 2025
Advertising & Editorial Disclosure
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.
Amica charges more than competitors and offers fewer coverage options, but its customer service stands out for drivers who prioritize support quality.
Cambridge drivers pay $599 yearly for minimum coverage and $1,326 for full coverage. That's $233 above Massachusetts's $366 state average for minimum coverage.
Plymouth Rock Insurance offers minimum coverage for just $320, far below Cambridge's average. Heavy student and commuter traffic drives up premiums in this academic city, though rates stay lower than neighboring Boston.
| Full Coverage | $110 | $1,326 |
| Minimum Coverage | $50 | $599 |
Cambridge car insurance costs $44 to $126 monthly depending on your ZIP code. Drivers in 02138 pay the most, while 02139 residents pay the least. The table shows average rates for your ZIP code.
| 02138 | $59 | $126 |
Cambridge drivers pay among Massachusetts's highest car insurance rates. You can still find affordable coverage. Here's how to cut your premiums while getting the protection you need:
Figure out how much coverage you need before shopping. Our car insurance coverage needs calculator gives personalized recommendations based on your car's value and finances.
You'll build a baseline for quote comparisons and avoid buying coverage you don't need.
Your driving habits determine which types of car insurance cost less. Drive rarely? Try pay-per-mile insurance. No car? Get non-owner coverage instead.
Check average vehicle insurance costs in Cambridge before shopping. You'll spot good deals and avoid paying too much. Your location, driving record and car affect what you'll pay.
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.
Price isn't everything when picking an insurer. Review customer feedback, claims satisfaction scores and financial strength ratings. Paying slightly more for better service often saves money and headaches when you file a claim.
Get quotes from at least three insurers. Switch between online comparison tools, local agents and company websites. Every insurer prices risk differently, so shopping around finds your best rate.
Review your coverage every 12 months. Life changes, car upgrades and driving record improvements affect your insurance needs. Annual checkups keep your coverage right and your rates low.
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.
Cambridge drivers juggle heavy traffic, student congestion and higher-than-average premiums. Finding affordable coverage means understanding which insurers price Cambridge's unique risks fairly while delivering reliable claims service when accidents happen in the city's dense streets.
We pulled rate data from the Massachusetts Division of Insurance and Quadrant Information Services. Our analysis covered every Cambridge ZIP code and processed hundreds of thousands of quotes from 12 Massachusetts insurers to find which companies offer Cambridge drivers the best value.
Sample driver profile: We calculated rates using a 40-year-old man driving a 2012 Toyota Camry LE with a clean record, 12,000 annual miles, good credit, valid license, current insurance and no claims history. We then adjusted age, driving record, credit score and military status to identify top insurers for different driver types.
Coverage levels matter in Cambridge's tight streets. We compared minimum and full coverage policies. Massachusetts minimum requirements are $30,000 bodily injury per person, $60,000 per accident and $25,000 property damage. Full coverage uses $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles.
How we rated insurers: Affordability drives 60% of our score through average quotes and rate comparisons across Cambridge. Customer experience accounts for 30% based on Google reviews, J.D. Power research, AM Best ratings and Reddit feedback. Coverage options make up 10%, measuring variety, unique offerings and included benefits.
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.
