In Cambridge, the average monthly cost for full coverage car insurance is $103. Rates can vary widely depending on your policy and details, with the cheapest at $85 per month and the most expensive reaching $258. The table below shows the average insurance costs for different driver profiles to help drivers understand what they might pay.
Cambridge, MA, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Cambridge: Key Takeaways
State Farm, Allstate and American Family offer competitive car insurance rates in Cambridge, making them popular choices for affordable coverage options among residents.
State Farm is the cheapest car insurance provider, offering rates of $22 per month for minimum coverage and $47 per month for full coverage. It provides excellent value for budget-conscious drivers.
On average, car insurance in Cambridge costs $44 per month for minimum coverage and $103 per month for full coverage. However, these rates can vary based on individual driver profiles and circumstances.
Car Insurance Quotes in Cambridge, MA
| Young Drivers | $49 | $118 |
| Teens | No Data | $258 |
| Seniors | $36 | $85 |
| Drivers With a Speeding Ticket | $54 | $130 |
| Drivers With a DUI | $80 | $189 |
| Drivers With An Accident | $71 | $167 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Cambridge vs. State Average
Massachusetts
State Average Full Coverage Rate
$1,358
Cambridge, MA
City Average Full Coverage Rate
$1,230Cheaper:$128 saved
This is 9% less expensive.
What Is the Average Car Insurance Rate in Cambridge?
In Cambridge, the average annual cost for full coverage car insurance is $1,230, while the state minimum coverage costs $523. These rates are lower than the Massachusetts averages, where full coverage is $1,358 per year and state minimum coverage is $579. Cambridge residents enjoy more affordable car insurance options.
| State Average | $579 | $1,358 |
| Cambridge Average | $523 | $1,230 |
Cheapest Car Insurance Companies in Cambridge
While premiums are on the rise in the Bay State, affordable car insurance is still available in Cambridge. State Farm offers the cheapest minimum coverage at $22 per month and the best rate for full coverage at $47 monthly.
WHY CAR INSURANCE IN CAMBRIDGE IS CHEAPER
Although Cambridge has one of the densest population densities in Massachusetts, serious or fatal accident rates are lower on average than other cities of its size. This lowers the risk for insurers to pay out expensive claims, allowing them to charge lower rates.
Cheap Car Insurance in Cambridge
State Farm is often the cheapest car insurance provider, but affordable rates vary for each driver. To find the most inexpensive option, get quotes from multiple insurers. Below is a table with the cheapest car insurance rates for different driver profiles.
| State Farm | Minimum Coverage | $22 |
| State Farm | Full Coverage | $47 |
| State Farm | Teens | $132 |
| State Farm | Young Adults | $35 |
| State Farm | Seniors | $26 |
| State Farm | Drivers With a DUI | $65 |
| State Farm | Drivers With An Accident | $54 |
| State Farm | Drivers With a Speeding Ticket | $40 |
Car Insurance Rates in Cambridge by Company
Car insurance companies in Cambridge set their own prices. To find the cheapest option, compare different rates. Below are the most affordable state minimum and full coverage car insurance policies.
Cheapest Car Insurance Companies for Minimum Coverage in Cambridge
State Farm offers the cheapest minimum coverage auto insurance at $22 per month. Plymouth Rock Assurance follows closely with a rate of $28 monthly. The table below breaks down the most affordable options.
| State Farm | $22 | $22 |
| Plymouth Rock Assurance | $28 | $16 |
| Hanover | $28 | $16 |
| Vermont Mutual | $29 | $15 |
| Safety Group | $32 | $12 |
| American Family | $34 | $10 |
| GEICO | $43 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Cambridge
State Farm offers the cheapest full coverage car insurance in Cambridge at $47 per month. Below is a list of other providers and their rates.
| American Family | $71 | $32 |
| Amica Mutual | $97 | $7 |
| GEICO | $89 | $14 |
| Hanover | $97 | $6 |
| Plymouth Rock Assurance | $69 | $34 |
| Safety Group | $93 | $11 |
| State Farm | $47 | $57 |
| Vermont Mutual | $96 | $7 |
Car Insurance Companies in Cambridge
To find affordable car insurance in Cambridge, get quotes from several companies. State Farm offers the cheapest rate at $415 per year. Safety Group provides the best value, with a Moneygeek score of 86 out of 100. Check the table below for more options to consider.
| Safety Group | 86 | $694 |
| Amica Mutual | 82 | $847 |
| Plymouth Rock Assurance | 79 | $539 |
| Chubb | 79 | $1,101 |
| American Family | 78 | $630 |
| Arbella | 78 | $1,082 |
| State Farm | 74 | $415 |
| Vermont Mutual | 74 | $754 |
| Hanover | 72 | $752 |
| GEICO | 61 | $790 |
| Progressive | 54 | $1,049 |
| Allstate | 52 | $1,208 |
| Travelers | 49 | $1,535 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Cambridge by Age
Middle-aged drivers and younger seniors have some of the lowest car insurance rates at $1,230 per year for 40-year-olds and $1,020 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,157 | $-409 |
| 17 | $2,088 | $-341 |
| 18 | $1,963 | $-216 |
| 19 | $1,489 | $258 |
| 20 | $1,500 | $248 |
| 21 | $1,379 | $369 |
| 22 | $1,132 | $615 |
| 23 | $1,213 | $535 |
| 24 | $1,010 | $738 |
| 25 | $1,413 | $-63 |
| 40 | $1,230 | $120 |
| 65 | $1,020 | $330 |
Cheapest Car Insurance for Teens in Cambridge
State Farm offers the cheapest overall car insurance for teens in Cambridge at $87 per month, $73 cheaper than the state average. The table below breaks down some of the most affordable providers in the city for this age group.
| State Farm | $87 | $73 | $132 |
| Progressive | $88 | $73 | $372 |
| GEICO | $159 | $2 | $151 |
| Allstate | $210 | $-50 | $301 |
| Travelers | $258 | $-97 | $334 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Cambridge
For young drivers in Cambridge, State Farm offers the lowest monthly rate for minimum coverage at $22 and full coverage at $47. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $22 |
| State Farm | Full Coverage | $47 |
| State Farm | Drivers With a DUI | $65 |
| State Farm | Drivers With An Accident | $54 |
| State Farm | Drivers With a Speeding Ticket | $40 |
Cheapest Car Insurance Companies for Young Drivers in Cambridge
State Farm offers the most affordable auto insurance for young drivers at $35 per month. Check out the table below for other companies with competitive rates.
| State Farm | $35 | $49 |
| Plymouth Rock Assurance | $58 | $25 |
| American Family | $61 | $23 |
| Safety Group | $67 | $17 |
| Vermont Mutual | $72 | $12 |
| GEICO | $73 | $11 |
| Amica Mutual | $79 | $5 |
| Hanover | $80 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Cambridge
State Farm offers the cheapest car insurance in town, but rates vary with personal factors. The table below shows affordable providers for different driver and coverage profiles, helping you find a better fit.
| State Farm | Minimum Coverage | $17 |
| State Farm | Full Coverage | $36 |
| State Farm | Drivers With a DUI | $49 |
| State Farm | Drivers With An Accident | $41 |
| State Farm | Drivers With a Speeding Ticket | $30 |
Cheapest Car Insurance Companies for Seniors in Cambridge
State Farm offers the cheapest monthly premium for seniors at $26 for minimum and full coverage. Safety Group follows with a rate of $39 per month. The table below shows more options from top car insurance providers for seniors in Cambridge.
| State Farm | $26 | $35 |
| Safety Group | $39 | $22 |
| Plymouth Rock Assurance | $44 | $17 |
| Vermont Mutual | $44 | $17 |
| GEICO | $46 | $15 |
| Hanover | $48 | $13 |
| American Family | $53 | $8 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Cambridge
When looking at high-risk driver profiles, Cambridge residents pay less for state minimum and full coverage than the state average. Those with DUIs on their records tend to pay the most for car insurance, while accidents and speeding tickets have less of an effect on rates.
| State Average | $916 | $2,157 |
| Cambridge Average | $829 | $1,960 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
In Cambridge, minor driving incidents like a not-at-fault accident or a speeding ticket affect car insurance rates for around three to five years. The period extends to up to ten years for serious offenses such as a DUI. You may need to file an FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Cambridge
State Farm offers the cheapest minimum coverage for drivers with a DUI in Cambridge at $540 per year. It also has the best full coverage rate of $1,008 per year. Check the table below for more low-cost coverage options.
| State Farm | $45 | $84 |
| Plymouth Rock Assurance | $44 | $107 |
| American Family | $55 | $122 |
| Hanover | $39 | $142 |
| Vermont Mutual | $68 | $253 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Cambridge
State Farm, Plymouth Rock Assurance and American Family offer the cheapest auto insurance after an at-fault accident in Cambridge. The table will show different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.
| State Farm | $38 | $71 |
| American Family | $46 | $99 |
| Plymouth Rock Assurance | $43 | $102 |
| Hanover | $52 | $176 |
| Vermont Mutual | $56 | $195 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Cambridge
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $27 for minimum coverage and $53 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.
| State Farm | $27 | $53 |
| Plymouth Rock Assurance | $39 | $98 |
| American Family | $46 | $99 |
| Safety Group | $38 | $110 |
| Vermont Mutual | $39 | $138 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Cambridge, MA
In Massachusetts, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $20,000 for bodily injury liability per person
- $40,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP) per accident
For example, if you're in an accident, your policy covers up to $40,000 for injuries to others and $5,000 for property damage, helping you avoid out-of-pocket expenses.
Cheap Car Insurance in Cambridge: Bottom Line
State Farm is Cambridge's cheapest car insurance provider for minimum and full coverage. No matter your age, you'll find providers with policies that fit your budget. Ensure your policy includes Massachusetts's essentials: bodily injury, property damage, uninsured motorist and personal injury protection. Compare quotes to secure affordable rates that comply with state law.
Cambridge Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Cambridge.
What is the cheapest car insurance company in Cambridge, Massachusetts?
State Farm offers the most affordable car insurance in Cambridge, Massachusetts, with minimum coverage rates starting at $22 per month.
What is the best car insurance company in Cambridge, Massachusetts?
Safety Group is the best car insurance provider in Cambridge, Massachusetts, with a MoneyGeek score of 86 out of 100. The annual premium for state minimum coverage is $694.
How much does car insurance cost on average in Cambridge?
The average cost of car insurance in Cambridge ranges from $36 to $80 per month for state minimum coverage.
Best Cheap Car Insurance in Cambridge: Our Methodology
MoneyGeek conducted an analysis of Cambridge auto insurance prices using data from the Massachusetts Division of Insurance and Quadrant Information Services.
Cambridge Driver Profile
To assess the best and most affordable auto insurance options for Cambridge residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Cambridge
In assessing the car insurance quotes for Cambridge, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Massachusetts's mandated liability insurance parameters:
- $20,000 for bodily injury liability per person
- $40,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP) per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Massachusetts providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Cambridge
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Cambridge.
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.