Cheapest Car Insurance in Cambridge (2026)

Cambridge drivers can secure minimum coverage for just $27 monthly through Plymouth Rock, while the same company offers full coverage at $75 per month or $904 annually. These rates assume a clean driving record and reflect competitive pricing in the Bay State's insurance market. Your age and driving history determine which provider gives you the lowest premium, so getting quotes from multiple insurers helps you find the best rate for your specific situation.

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.

Read More: The cheapest car insurance in Massachusetts

The range of car insurance costs across different age groups in Cambridge shows how insurers assess risk. Young drivers pay average monthly premiums of $204 across the top five insurers, while adults pay $92 and seniors pay $91. This gap reflects young drivers' inexperience behind the wheel and their higher likelihood of filing claims.

Cheapest Cambridge car insurance by age:

• Young drivers: Plymouth Rock at $141 per month
• Adult drivers: Plymouth Rock at $75 per month
• Senior drivers: Norfolk & Dedham at $75 per month

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young Cambridge drivers pay high insurance costs, with rates averaging $204 monthly compared to just $92 for adults across the city's top five insurers. Plymouth Rock offers the most affordable option at $141 monthly or $1,693 annually for full coverage, but even this cheapest rate reflects how insurers view drivers ages 16 to 25 as high-risk due to their inexperience and higher accident rates. 

These premiums run more than double what experienced drivers pay, making it important for young drivers to compare rates. Young Cambridge drivers can save $117 monthly by choosing Plymouth Rock over Norfolk & Dedham at $258 monthly. 

Adding a young driver to your family policy beats getting them standalone coverage, but expect rates to stay elevated 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.

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.

While most insurers recognize the value of experienced drivers, some may increase rates for those over 70 due to slower reaction time concerns. Across the city's five cheapest options, seniors average $91 monthly, just $1 more than the $92 adult average, showing insurers view experienced drivers favorably.

Seniors save $27 each month by choosing Norfolk & Dedham over Farmers at $102 monthly. Completing defensive driving courses or keeping annual mileage under 7,500 miles can unlock additional discounts for even greater savings.

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

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.

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.

Cambridge drivers can get competitive rates without sacrificing proper coverage by knowing which insurers offer the best value.

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.

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.