Plymouth Rock offers Cambridge's lowest car insurance rates, with annual premiums of $320 for minimum coverage and $904 for full coverage. Other affordable insurers in the city include Geico, Amica and Norfolk & Dedham.
Car Insurance in Cambridge
Updated: August 29, 2025
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Key Takeaways
Cambridge's cheapest car insurance companies are Plymouth Rock, Geico and Amica, with savings up to 38% compared to the city average.
Monthly car insurance costs in Cambridge average $110 for full coverage and $50 for minimum coverage.
To get the best cheap auto insurance in Cambridge, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Cambridge?
| Plymouth Rock | $27 | $75 | -38% |
| Geico | $39 | $80 | -28% |
| Amica | $42 | $98 | -15% |
| Norfolk & Dedham | $44 | $98 | -14% |
| Quincy | $50 | $107 | -5% |
Compare the Cheapest Cambridge Car Insurance for You
Car insurance rates change based on your driving history and personal details, with some profiles paying double or triple the standard rates. Check the table below to find the cheapest insurance company for your specific situation.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock | $88 | $1,059 | -51% |
| Geico | $120 | $1,442 | -33% |
| Arbella | $141 | $1,693 | -21% |
| Norfolk & Dedham | $153 | $1,842 | -14% |
| Amica | $155 | $1,866 | -13% |
Cheapest Car Insurance by Age Group in Cambridge
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Cambridge, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Plymouth Rock (from $93 per month)
- Cheapest Car Insurance for Adults: Norfolk & Dedham (from $35 per month)
- Cheapest Car Insurance for Seniors: Geico (from $41 per month)
Cheapest Car Insurance for Young Drivers in Cambridge
Plymouth Rock offers the lowest car insurance rates for young drivers in Cambridge, with monthly premiums starting at $93.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock | $93 | $1,117 | -52% |
| Geico | $125 | $1,495 | -36% |
| Safety | $149 | $1,783 | -23% |
| Arbella | $152 | $1,819 | -22% |
| Amica | $154 | $1,852 | -20% |
Cheapest Car Insurance for Adult Drivers in Cambridge
In Cambridge, Norfolk & Dedham at $35 per month is the most affordable insurance for adult drivers (26 to 64), saving drivers around 50%.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Plymouth Rock | $27 | $320 | -50% |
| Geico | $39 | $462 | -28% |
| Safety | $41 | $490 | -24% |
| Amica | $42 | $501 | -22% |
| Norfolk & Dedham | $44 | $532 | -18% |
Cheapest Car Insurance for Senior Drivers in Cambridge
For seniors in Cambridge, Geico provides the most affordable car insurance rates across both coverage types. Their minimum coverage starts at $41 monthly ($493 annually), while full coverage costs $80 per month ($955 per year). Both options save drivers more than 35% compared to the city average.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Norfolk & Dedham | $35 | $419 | -38% |
| Safety | $39 | $465 | -32% |
| Geico | $41 | $493 | -28% |
| Farmers | $41 | $496 | -27% |
| Plymouth Rock | $42 | $502 | -26% |
Cheapest Car Insurance for High-Risk Drivers in Cambridge
These insurance companies offer the most affordable rates for high-risk drivers in Cambridge:
- Cheapest With a DUI: Plymouth Rock (from $46 per month)
- Cheapest With an Accident: Plymouth Rock (from $44 per month)
- Cheapest With a Speeding Ticket: Plymouth Rock (from $41 per month)
Cheapest Car Insurance With a DUI 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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock | $46 | $551 | -56% |
| Geico | $68 | $811 | -36% |
| Progressive | $93 | $1,120 | -11% |
| Amica | $94 | $1,125 | -11% |
| Norfolk & Dedham | $100 | $1,199 | -5% |
Cheapest Car Insurance With an Accident in Cambridge
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock | $44 | $534 | -48% |
| Geico | $59 | $704 | -32% |
| Arbella | $71 | $849 | -18% |
| Safety | $71 | $851 | -18% |
| Norfolk & Dedham | $71 | $851 | -17% |
Cheapest Car Insurance With a Speeding Ticket in Cambridge
For Cambridge drivers with speeding tickets, Plymouth Rock offers the most affordable insurance options. Their minimum liability coverage starts at $41 monthly, while Geico offers the cheapest full coverage with $90 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock | $41 | $486 | -38% |
| Geico | $43 | $519 | -34% |
| Safety | $50 | $603 | -23% |
| Amica | $52 | $622 | -21% |
| Norfolk & Dedham | $57 | $687 | -13% |
Best Car Insurance Companies in Cambridge
Cambridge drivers can find excellent car insurance coverage from Plymouth Rock, Amica, Norfolk & Dedham, and GEICO. These providers stand out for their strong combination of competitive rates, reliable customer service, and comprehensive coverage options.
| 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 |
Plymouth Rock: Best Overall Value
pros
Top-rated coverage options
Strong customer service ratings
Cheapest for most driver types
cons
Online tools need improvement
COMPANY HIGHLIGHTS
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. Their perfect coverage score means customers get comprehensive protection options, while strong customer service ratings show they deliver when you need them.
Amica: Best for Customer Service
pros
Outstanding customer satisfaction
Quick claims processing
User-friendly experience
cons
Limited coverage options
Higher rates than some competitors
COMPANY HIGHLIGHTS
Amica stands out for exceptional customer service, earning the highest satisfaction rating in Cambridge. Their streamlined claims process and helpful representatives make insurance easier to manage. While their rates run higher than some competitors and coverage options are more limited, Amica's focus on customer experience makes them ideal for drivers who value quality service and support.
How Much Is Car Insurance in Cambridge?
In Cambridge, minimum coverage costs about $50 per month or $599 per year, ranking 464th out of all Massachusetts cities for affordability. Full coverage averages $110 monthly or $1,326 annually, ranking 457th among Massachusetts cities.
| Full Coverage | $110 | $1,326 |
| Minimum Coverage | $50 | $599 |
Compare Personalized Cambridge Car Insurance Costs
While basic rate breakdowns are helpful, use the table below to filter Cambridge auto insurance rates by your age, driving record and other personal factors for a closer match to your situation.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $185 | $2,225 | 17% |
Cambridge Car Insurance Costs by ZIP Code
In Cambridge, car insurance rates by ZIP code range from $44 to $126 per month. ZIP code 02138 is the most expensive, while 02139 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:02138
| 02138 | $59 | $126 |
How to Get the Best Cheap Cambridge Car Insurance
Cambridge drivers face 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.
- 1
Calculate your coverage needs first
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 ensures you don't overpay for unnecessary coverage.
- 2
Look into alternative coverage types
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.
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Know what others pay
Research average vehicle insurance costs in Cambridge to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Insurance costs vary significantly based on your location, driving record and vehicle type.
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Stack up available discounts
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 significant savings.
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Check company reputation and service
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.
- 6
Get quotes from multiple insurers
Request quotes from at least three different insurance companies. Use a mix of online comparison tools, local agents and direct insurer websites. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy yearly
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.
Cheapest Car Insurance in Cambridge: Bottom Line
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.
Cheap Cambridge Car Insurance: FAQ
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.
What is the cheapest car insurance company in Cambridge, Massachusetts?
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.
Who offers the best car insurance in Cambridge?
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.
What is the average cost of car insurance in Cambridge?
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.
Is car insurance in Cambridge expensive?
Cambridge car insurance costs are higher than average, ranking 464th for minimum coverage affordability and 457th for full coverage compared to other Massachusetts cities.
How We Chose the Best and Cheapest Car Insurance in Cambridge, MA
To help Cambridge drivers find the most affordable auto insurance companies, MoneyGeek analyzed Cambridge auto insurance rates based on data and information from the Massachusetts Division of Insurance and Quadrant Information Services. We studied all ZIP codes in Cambridge and hundreds of thousands of quotes for 12 companies offering auto insurance in Massachusetts to tailor options as closely as possible to you.
Cambridge Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Cambridge with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Cambridge
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Massachusetts are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Cambridge based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
