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The cheapest company for you may depend on your profile and needs. Hanover offers the cheapest minimum coverage policy. State Farm provides the most affordable full coverage policy for veteran and is the least expensive insurer after a driving violation. Progressive is the cheapest for teens on a family policy, while Chubb has the most affordable policies and the best service quality.

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2023

Cheapest and Best Car Insurance in Cambridge

Cheapest Minimum Liability Car Insurance in Cambridge

The following car insurance companies offer the most affordable minimum coverage policies in Cambridge:

  • Hanover: $252 per year
  • Plymouth Rock Assurance: $264 per year

Safety Group is the most expensive insurer, charging an average of $1,014 annually.

Your rates vary significantly based on your location. For instance, although Hanover is the cheapest insurer in the city, State Farm offers the cheapest minimum coverage car insurance in Massachusetts, at an average of $216 per year.

Company
Annual Premium
Monthly Premium

Hanover

$194

$16

State Farm

$203

$17

Hanover

$252

$21

Plymouth Rock Assurance

$255

$21

Plymouth Rock Assurance

$264

$22

State Farm

$269

$22

State Farm

$269

$22

GEICO

$287

$24

Vermont Mutual

$288

$24

Hanover

$322

$27

Plymouth Rock Assurance

$331

$28

Allstate

$377

$31

Chubb

$388

$32

Arbella

$398

$33

American Family

$404

$34

American Family

$406

$34

Chubb

$407

$34

GEICO

$409

$34

Vermont Mutual

$410

$34

Amica Mutual

$419

$35

State Farm

$426

$36

GEICO

$448

$37

Amica Mutual

$456

$38

Amica Mutual

$460

$38

Vermont Mutual

$469

$39

American Family

$472

$39

GEICO

$489

$41

Allstate

$504

$42

Chubb

$526

$44

Arbella

$526

$44

Arbella

$538

$45

Allstate

$558

$47

State Farm

$561

$47

State Farm

$561

$47

Vermont Mutual

$589

$49

Progressive

$610

$51

Safety Group

$632

$53

Travelers

$664

$55

Hanover

$693

$58

Progressive

$702

$59

GEICO

$709

$59

Plymouth Rock Assurance

$743

$62

Progressive

$774

$65

GEICO

$785

$65

Allstate

$801

$67

Plymouth Rock Assurance

$808

$67

Vermont Mutual

$838

$70

Travelers

$843

$70

American Family

$855

$71

American Family

$870

$73

Travelers

$894

$75

Arbella

$899

$75

Hanover

$910

$76

Amica Mutual

$924

$77

Vermont Mutual

$957

$80

Amica Mutual

$964

$80

American Family

$997

$83

Plymouth Rock Assurance

$1,014

$85

Safety Group

$1,014

$85

Amica Mutual

$1,060

$88

Allstate

$1,067

$89

Safety Group

$1,091

$91

Progressive

$1,105

$92

Chubb

$1,129

$94

Hanover

$1,150

$96

Chubb

$1,174

$98

Arbella

$1,177

$98

Allstate

$1,185

$99

Arbella

$1,201

$100

Progressive

$1,201

$100

Progressive

$1,436

$120

Safety Group

$1,462

$122

Chubb

$1,511

$126

Travelers

$1,515

$126

Travelers

$1,892

$158

Travelers

$2,083

$174

Safety Group

$2,346

$196

Safety Group

$2,524

$210

In Massachusetts, drivers are required to have bodily injury liability, personal injury protection, property damage liability and uninsured motorist coverage, with the following limits:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $8,000 personal injury protection
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident

With the bodily injury liability limits included above, an insurer would cover up to $20,000 in medical expenses per injured person, up to $40,000 per accident. You may be responsible for paying any additional costs out of pocket.

Cheapest Full Coverage Car Insurance in Cambridge

MoneyGeek found that the cheapest car insurance companies for full coverage are:

  • State Farm: $561 per year
  • GEICO: $709 per year

Safety Group charges the most expensive rates, costing an average of $2,346 annually.

Our analysis shows that State Farm also offers Massachusetts's cheapest full coverage car insurance policies, charging an average of $483 annually. The company charges slightly higher rates in Cambridge than in the rest of the state.

Company
Annual Premium
Monthly Premium

Hanover

$194

$16

State Farm

$203

$17

Hanover

$252

$21

Plymouth Rock Assurance

$255

$21

Plymouth Rock Assurance

$264

$22

State Farm

$269

$22

State Farm

$269

$22

GEICO

$287

$24

Vermont Mutual

$288

$24

Hanover

$322

$27

Plymouth Rock Assurance

$331

$28

Allstate

$377

$31

Chubb

$388

$32

Arbella

$398

$33

American Family

$404

$34

American Family

$406

$34

Chubb

$407

$34

GEICO

$409

$34

Vermont Mutual

$410

$34

Amica Mutual

$419

$35

State Farm

$426

$36

GEICO

$448

$37

Amica Mutual

$456

$38

Amica Mutual

$460

$38

Vermont Mutual

$469

$39

American Family

$472

$39

GEICO

$489

$41

Allstate

$504

$42

Chubb

$526

$44

Arbella

$526

$44

Arbella

$538

$45

Allstate

$558

$47

State Farm

$561

$47

State Farm

$561

$47

Vermont Mutual

$589

$49

Progressive

$610

$51

Safety Group

$632

$53

Travelers

$664

$55

Hanover

$693

$58

Progressive

$702

$59

GEICO

$709

$59

Plymouth Rock Assurance

$743

$62

Progressive

$774

$65

GEICO

$785

$65

Allstate

$801

$67

Plymouth Rock Assurance

$808

$67

Vermont Mutual

$838

$70

Travelers

$843

$70

American Family

$855

$71

American Family

$870

$73

Travelers

$894

$75

Arbella

$899

$75

Hanover

$910

$76

Amica Mutual

$924

$77

Vermont Mutual

$957

$80

Amica Mutual

$964

$80

American Family

$997

$83

Plymouth Rock Assurance

$1,014

$85

Safety Group

$1,014

$85

Amica Mutual

$1,060

$88

Allstate

$1,067

$89

Safety Group

$1,091

$91

Progressive

$1,105

$92

Chubb

$1,129

$94

Hanover

$1,150

$96

Chubb

$1,174

$98

Arbella

$1,177

$98

Allstate

$1,185

$99

Arbella

$1,201

$100

Progressive

$1,201

$100

Progressive

$1,436

$120

Safety Group

$1,462

$122

Chubb

$1,511

$126

Travelers

$1,515

$126

Travelers

$1,892

$158

Travelers

$2,083

$174

Safety Group

$2,346

$196

Safety Group

$2,524

$210

A full coverage policy generally includes comprehensive and collision insurance.

  • Collision Insurance: This will cover your vehicle's repair or replacement costs for damages involving a collision with another vehicle or object.
  • Comprehensive Insurance: This will cover repair or replacement costs if your vehicle is damaged in a non-collision related incident, like a natural disaster, vandalism or theft.

Typically, full coverage policies are best for drivers with new cars who want to safeguard their investment. They may not be worth the added cost for those with older vehicles.

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Cheapest Car Insurance in Cambridge After a Driving Offense

In Cambridge, State Farm offers the cheapest full coverage policies to drivers with these traffic violations:

  • Speeding ticket: State Farm ($639 per year)
  • At-fault accident: State Farm ($849 per year)
  • DUI: State Farm ($1,013 per year)

Safety Group has the most expensive rates, charging roughly $2,794 per year for drivers with a speeding ticket, $5,265 per year for those with a DUI offense and $4,263 per year for drivers with an at-fault accident.

Driving violations can substantially raise your insurance rates. Therefore, even the cheapest policy for drivers with poor records will still cost more than the most affordable policy for safe drivers.

Company
Annual Premium
Monthly Premium

State Farm

$242

$20

Hanover

$266

$22

State Farm

$319

$27

State Farm

$319

$27

Hanover

$329

$27

GEICO

$330

$28

State Farm

$344

$29

Hanover

$348

$29

Hanover

$355

$30

Allstate

$377

$31

Vermont Mutual

$382

$32

Plymouth Rock Assurance

$390

$33

Plymouth Rock Assurance

$405

$34

State Farm

$412

$34

Hanover

$422

$35

Plymouth Rock Assurance

$428

$36

Hanover

$428

$36

Arbella

$441

$37

Plymouth Rock Assurance

$444

$37

Plymouth Rock Assurance

$450

$38

State Farm

$454

$38

State Farm

$454

$38

GEICO

$457

$38

Plymouth Rock Assurance

$457

$38

GEICO

$462

$39

Hanover

$464

$39

Plymouth Rock Assurance

$482

$40

GEICO

$485

$40

State Farm

$486

$41

Plymouth Rock Assurance

$491

$41

Plymouth Rock Assurance

$492

$41

Allstate

$504

$42

Hanover

$506

$42

Amica Mutual

$519

$43

Hanover

$542

$45

Vermont Mutual

$544

$45

Arbella

$544

$45

State Farm

$545

$45

State Farm

$545

$45

American Family

$547

$46

American Family

$547

$46

Chubb

$552

$46

Vermont Mutual

$553

$46

American Family

$554

$46

American Family

$554

$46

GEICO

$555

$46

Allstate

$558

$47

GEICO

$561

$47

Amica Mutual

$564

$47

Amica Mutual

$569

$47

Chubb

$581

$48

Arbella

$583

$49

Arbella

$597

$50

GEICO

$619

$52

Vermont Mutual

$622

$52

GEICO

$636

$53

State Farm

$639

$53

State Farm

$639

$53

American Family

$643

$54

American Family

$643

$54

State Farm

$644

$54

Allstate

$651

$54

American Family

$662

$55

Vermont Mutual

$667

$56

American Family

$671

$56

Progressive

$699

$58

GEICO

$711

$59

GEICO

$713

$59

Arbella

$720

$60

Amica Mutual

$731

$61

Arbella

$738

$62

Progressive

$749

$62

Chubb

$751

$63

Safety Group

$757

$63

State Farm

$767

$64

GEICO

$773

$64

Progressive

$775

$65

American Family

$779

$65

Allstate

$785

$65

Vermont Mutual

$787

$66

GEICO

$792

$66

Amica Mutual

$793

$66

Arbella

$794

$66

Chubb

$797

$66

Amica Mutual

$800

$67

Allstate

$801

$67

Progressive

$834

$70

Chubb

$838

$70

Vermont Mutual

$847

$71

State Farm

$849

$71

State Farm

$849

$71

GEICO

$850

$71

Progressive

$850

$71

Allstate

$869

$72

Travelers

$879

$73

Progressive

$889

$74

Vermont Mutual

$900

$75

Progressive

$909

$76

GEICO

$920

$77

Amica Mutual

$933

$78

Vermont Mutual

$949

$79

Chubb

$960

$80

Allstate

$963

$80

Arbella

$976

$81

Progressive

$988

$82

Hanover

$1,005

$84

Chubb

$1,009

$84

Amica Mutual

$1,012

$84

State Farm

$1,013

$84

State Farm

$1,013

$84

Amica Mutual

$1,021

$85

Travelers

$1,041

$87

Allstate

$1,044

$87

Arbella

$1,053

$88

GEICO

$1,056

$88

Travelers

$1,065

$89

Allstate

$1,067

$89

Progressive

$1,068

$89

Arbella

$1,079

$90

Chubb

$1,085

$90

Vermont Mutual

$1,086

$91

Amica Mutual

$1,089

$91

GEICO

$1,100

$92

Travelers

$1,115

$93

Amica Mutual

$1,139

$95

Hanover

$1,142

$95

Allstate

$1,159

$97

Arbella

$1,159

$97

Allstate

$1,185

$99

Plymouth Rock Assurance

$1,186

$99

Travelers

$1,189

$99

American Family

$1,191

$99

American Family

$1,191

$99

Vermont Mutual

$1,194

$100

Vermont Mutual

$1,205

$100

Safety Group

$1,206

$101

Plymouth Rock Assurance

$1,210

$101

GEICO

$1,211

$101

Safety Group

$1,216

$101

American Family

$1,218

$102

American Family

$1,218

$102

Plymouth Rock Assurance

$1,223

$102

GEICO

$1,237

$103

Hanover

$1,244

$104

Amica Mutual

$1,253

$104

Plymouth Rock Assurance

$1,270

$106

Plymouth Rock Assurance

$1,279

$107

Arbella

$1,279

$107

Arbella

$1,305

$109

Chubb

$1,308

$109

Safety Group

$1,308

$109

Travelers

$1,315

$110

Hanover

$1,323

$110

Allstate

$1,323

$110

Plymouth Rock Assurance

$1,337

$111

Progressive

$1,349

$112

Travelers

$1,355

$113

Vermont Mutual

$1,375

$115

American Family

$1,387

$116

American Family

$1,387

$116

Plymouth Rock Assurance

$1,406

$117

Progressive

$1,406

$117

Travelers

$1,410

$118

Amica Mutual

$1,441

$120

Progressive

$1,441

$120

Plymouth Rock Assurance

$1,449

$121

Travelers

$1,449

$121

Safety Group

$1,450

$121

American Family

$1,464

$122

Plymouth Rock Assurance

$1,478

$123

American Family

$1,496

$125

Hanover

$1,504

$125

Amica Mutual

$1,510

$126

Progressive

$1,519

$127

Arbella

$1,523

$127

Vermont Mutual

$1,542

$129

Arbella

$1,557

$130

Chubb

$1,563

$130

Hanover

$1,602

$134

Allstate

$1,618

$135

Chubb

$1,630

$136

Hanover

$1,637

$136

Progressive

$1,651

$138

Arbella

$1,652

$138

Amica Mutual

$1,663

$139

Progressive

$1,694

$141

Vermont Mutual

$1,699

$142

American Family

$1,705

$142

Safety Group

$1,739

$145

Allstate

$1,762

$147

Progressive

$1,763

$147

Hanover

$1,771

$148

Progressive

$1,798

$150

Amica Mutual

$1,825

$152

Hanover

$1,906

$159

Amica Mutual

$1,919

$160

Vermont Mutual

$1,938

$162

Safety Group

$1,942

$162

Allstate

$1,962

$164

Travelers

$1,987

$166

Progressive

$2,075

$173

Safety Group

$2,089

$174

Chubb

$2,102

$175

Amica Mutual

$2,112

$176

Allstate

$2,153

$179

Chubb

$2,169

$181

Arbella

$2,181

$182

Vermont Mutual

$2,198

$183

Arbella

$2,232

$186

Chubb

$2,267

$189

Travelers

$2,335

$195

Safety Group

$2,339

$195

Travelers

$2,346

$196

Allstate

$2,407

$201

Travelers

$2,493

$208

Vermont Mutual

$2,511

$209

Safety Group

$2,516

$210

Chubb

$2,573

$214

Safety Group

$2,645

$220

Chubb

$2,691

$224

Travelers

$2,767

$231

Safety Group

$2,794

$233

Chubb

$2,928

$244

Travelers

$2,937

$245

Travelers

$2,945

$245

Safety Group

$3,005

$250

Travelers

$3,262

$272

Safety Group

$3,264

$272

Travelers

$3,279

$273

Chubb

$3,479

$290

Safety Group

$4,263

$355

Safety Group

$4,584

$382

Safety Group

$5,265

$439

Safety Group

$5,661

$472

Generally, your insurance rate will increase in proportion to the severity of the driving offense. For instance, Cambridge drivers with a DUI offense will pay an average of $655 more for car insurance than those with speeding tickets. Although your car insurance may cost more, drivers can still find relatively cheap car insurance with a bad driving record.

Cheapest Car Insurance in Cambridge for Teens and Their Families

For 16-year-old teens on a family policy, these insurance companies charge the most affordable rates:

  • Progressive: around $1,124 per year for male and female teens
  • State Farm: approximately $1,153 per year for male and female teens

Travelers has the most expensive policy, costing an average of $3,501 annually for male and female teenagers.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$510

$766

State Farm

$713

$1,467

State Farm

$713

$1,467

State Farm

$740

$1,549

State Farm

$740

$1,549

State Farm

$753

$1,549

State Farm

$753

$1,549

GEICO

$768

$993

GEICO

$768

$993

GEICO

$782

$1,012

GEICO

$782

$1,012

GEICO

$793

$1,062

GEICO

$793

$1,062

GEICO

$800

$1,035

GEICO

$800

$1,035

Progressive

$890

$1,731

Progressive

$890

$1,731

Progressive

$934

$3,040

Progressive

$934

$3,040

Progressive

$936

$4,778

Progressive

$936

$4,778

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Allstate

$974

$1,685

Progressive

$1,030

$5,257

Progressive

$1,030

$5,257

Progressive

$1,092

$2,125

Progressive

$1,092

$2,125

Progressive

$1,119

$3,643

Progressive

$1,119

$3,643

Progressive

$1,124

$7,179

Progressive

$1,124

$4,293

Progressive

$1,124

$7,179

Progressive

$1,124

$4,293

Progressive

$1,144

$2,795

Progressive

$1,144

$2,795

State Farm

$1,153

$2,373

State Farm

$1,153

$2,373

State Farm

$1,153

$2,373

State Farm

$1,153

$2,373

State Farm

$1,153

$2,373

State Farm

$1,153

$2,373

Progressive

$1,158

$2,253

Progressive

$1,158

$2,253

GEICO

$1,168

$1,463

GEICO

$1,168

$1,463

GEICO

$1,250

$1,655

GEICO

$1,250

$1,655

GEICO

$1,262

$1,581

GEICO

$1,262

$1,581

Allstate

$1,598

$3,188

Allstate

$1,598

$3,188

Travelers

$1,690

$2,468

Travelers

$1,690

$2,468

Allstate

$1,774

$3,717

Allstate

$1,774

$3,717

Allstate

$1,863

$3,717

Allstate

$1,863

$3,717

Travelers

$1,950

$2,848

Travelers

$1,950

$2,848

GEICO

$2,012

$2,305

GEICO

$2,012

$2,305

GEICO

$2,162

$2,476

GEICO

$2,162

$2,476

GEICO

$2,190

$2,745

GEICO

$2,190

$2,745

Travelers

$2,239

$3,933

Travelers

$2,239

$3,933

Travelers

$2,481

$4,049

Travelers

$2,481

$4,049

Travelers

$2,501

$4,082

Travelers

$2,501

$4,082

Travelers

$2,557

$4,387

Travelers

$2,557

$4,387

Travelers

$2,622

$3,828

Travelers

$2,622

$3,828

Allstate

$2,674

$5,329

Allstate

$2,674

$5,329

Allstate

$2,816

$5,884

Allstate

$2,816

$5,884

Allstate

$2,821

$5,622

Allstate

$2,821

$5,622

Travelers

$3,041

$5,083

Travelers

$3,041

$5,083

Travelers

$3,276

$5,476

Travelers

$3,276

$5,476

Travelers

$3,501

$6,994

Travelers

$3,501

$6,994

Buying an individual policy as a teen driver will significantly increase your insurance expenses. MoneyGeek found that the average 16-year-old male in Cambridge pays at least $1,220 more for individual coverage than they would on a family policy. Shopping around is the ideal way to find the cheapest car insurance for teens and young drivers.

Cheapest Car Insurance in Cambridge for Military Drivers

Drivers with military backgrounds may find the cheapest rates for full coverage policies with these companies:

  • State Farm: $561 per year
  • GEICO: $709 per year

USAA also offers relatively affordable insurance for military drivers at $817 per year. This insurer exclusively caters to military members and their families.

Hanover is the cheapest insurer for minimum coverage, costing an average of $252 per year. The second-best option is Plymouth Rock Assurance, charging an average of $264 annually.

Company
Annual Premium
Monthly Premium

Hanover

$194

$16

State Farm

$203

$17

Hanover

$252

$21

Plymouth Rock Assurance

$255

$21

Plymouth Rock Assurance

$264

$22

State Farm

$269

$22

State Farm

$269

$22

USAA

$269

$22

GEICO

$287

$24

Vermont Mutual

$288

$24

Hanover

$322

$27

Plymouth Rock Assurance

$331

$28

USAA

$337

$28

USAA

$350

$29

Allstate

$377

$31

Chubb

$388

$32

Arbella

$398

$33

American Family

$404

$34

American Family

$406

$34

Chubb

$407

$34

GEICO

$409

$34

Vermont Mutual

$410

$34

Amica Mutual

$419

$35

State Farm

$426

$36

GEICO

$448

$37

Amica Mutual

$456

$38

Amica Mutual

$460

$38

Vermont Mutual

$469

$39

American Family

$472

$39

GEICO

$489

$41

Allstate

$504

$42

Chubb

$526

$44

Arbella

$526

$44

Arbella

$538

$45

Allstate

$558

$47

State Farm

$561

$47

State Farm

$561

$47

Vermont Mutual

$589

$49

Progressive

$610

$51

Safety Group

$632

$53

USAA

$642

$54

Travelers

$664

$55

Hanover

$693

$58

Progressive

$702

$59

GEICO

$709

$59

Plymouth Rock Assurance

$743

$62

Progressive

$774

$65

GEICO

$785

$65

Allstate

$801

$67

Plymouth Rock Assurance

$808

$67

USAA

$817

$68

Vermont Mutual

$838

$70

Travelers

$843

$70

American Family

$855

$71

American Family

$870

$73

USAA

$886

$74

Travelers

$894

$75

Arbella

$899

$75

Hanover

$910

$76

Amica Mutual

$924

$77

Vermont Mutual

$957

$80

Amica Mutual

$964

$80

American Family

$997

$83

Plymouth Rock Assurance

$1,014

$85

Safety Group

$1,014

$85

Amica Mutual

$1,060

$88

Allstate

$1,067

$89

Safety Group

$1,091

$91

Progressive

$1,105

$92

Chubb

$1,129

$94

Hanover

$1,150

$96

Chubb

$1,174

$98

Arbella

$1,177

$98

Allstate

$1,185

$99

Arbella

$1,201

$100

Progressive

$1,201

$100

Progressive

$1,436

$120

Safety Group

$1,462

$122

Chubb

$1,511

$126

Travelers

$1,515

$126

Travelers

$1,892

$158

Travelers

$2,083

$174

Safety Group

$2,346

$196

Safety Group

$2,524

$210

How to Compare Cheap Cambridge Car Insurance Quotes Online

It can take up to 15 minutes to input the personal information required for a single auto insurance quote. If you’re comparing rates for multiple providers, this time can add up.

MoneyGeek’s car insurance calculator can help you save time and effort. Simply provide your age, vehicle type, coverage level and driving record to receive a quote.

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State Farm

Best Car Insurance in Cambridge: Summary

The best car insurance company in Massachusetts can vary depending on how much importance you place on factors such as cost, service quality and more.

These are our best options for car insurance in Cambridge based on various factors:

  • Best overall: Amica Mutual (MoneyGeek score of 80 out of 100)
  • Best cheap: Chubb (MoneyGeek score of 82 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)

An insurer’s total MoneyGeek score may vary based on the different weightings used in each category.

Chubb also provides the best car insurance in Massachusetts. USAA is the best car insurance option for individuals with a military background, earning a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Cambridge

Overall, the best car insurance companies in Cambridge based on MoneyGeek’s analysis are:

  • Amica Mutual: MoneyGeek score of 80 out of 100 ( $924 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($1,129 per year)

Of the insurers in our study, Amica Mutual scored the highest for claims management and ranked among the top four for customer satisfaction, indicating the company provides excellent customer support when filing claims.

For veterans, USAA’s car insurance policy is ideal, with an average cost of $817 per year.

How was this MoneyGeek score calculated?

Amica Mutual

pros

Ranked second in claims management

Placed fourth in customer satisfaction

Provides glass deductible modification, identity theft and full glass coverage

cons

Offers fewer coverage options than some of its competitors

COMPANY HIGHLIGHTS

Amica Mutual sets itself apart from its competitors with its exceptional coverage options and consistently high customer satisfaction and claims scores.

You can add unique options to Amica Mutual’s coverage, including glass deductible modification, which waives your deductible for windshield or window damage claims. Drivers can also add full glass coverage that covers the repair or replacement cost of your vehicle’s windshield, windows and other auto glass. These coverages may come in handy if you live in an area with high-wind events. The insurer’s identity theft coverage keeps you safe from fraud through credit alerts and resolution assistance.

With its high scores for customer satisfaction, you can anticipate seamless service regarding complaints, suggestions and claims. It also boasts a high claims management score, indicating that you can expect a hassle-free claims settlement process. Quality customer service comes in handy during stressful situations, like after an accident or vehicle breakdown.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Car Insurance in Cambridge for Customer Service

Based on our analysis, the following companies will suit you the best if you’re looking for excellent service quality regardless of the cost:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,129 per year)
  • Amica Mutual: MoneyGeek score of 71 out of 100 ( $924 per year)

Chubb scored the highest in claims management and ranked fourth in customer satisfaction. Its policies are moderately priced as the company ranked fifth out of 13 insurers for affordability.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked first in claims management out of 13 insurers

Scored highly in customer satisfaction

Offers Original Equipment Manufacturer (OEM) and diminished value coverage

cons

Doesn’t rank high for coverage

Has a relatively low score for affordability

COMPANY HIGHLIGHTS

Chubb offers a range of unique coverages with excellent customer service and claims management.

Chubb provides OEM and diminished value coverage, which other insurance companies do not always offer. With OEM coverage, the policy can help cover the cost of original parts. If your car is stolen or totaled, having diminished value coverage can provide you with a check equal to the value of your car that was established when you purchased a policy.

The company’s strong claims management score demonstrates its ability to handle your claims efficiently and offer resolutions in a suitable amount of time. Chubb also scored highly in customer satisfaction based on our data from J.D. Power reports and customer complaint levels.

Best Cheap Car Insurance Companies in Cambridge

Based on affordability and service quality, the following insurers offer the best cheap policies that meet Massachusetts’s minimum coverage requirements:

  • Chubb: MoneyGeek score of 82 out of 100 ($388 per year)
  • Amica Mutual: MoneyGeek score of 78 out of 100 ($419 per year)

Although minimum coverage policies are relatively inexpensive, they offer the least amount of liability coverage and won’t cover any damages to your vehicle if you get in an accident.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable minimum coverage policy costs $388 per year

Offers bundling, defensive driving, honing device discount and more

Has high scores in claims management and customer satisfaction

cons

Offers fewer coverage options than its competitors

COMPANY HIGHLIGHTS

Chubb scored the highest for claims management out of 13 insurance companies in Cambridge. This high ranking demonstrates the company’s exceptional ability to handle claims efficiently and provide fair and prompt resolutions. The insurer also has a high customer satisfaction score, meaning it has received very few complaints.

The company offers various discounts, including ones for bundling multiple types of insurance policies, completing a defensive driving course and installing an anti-theft system in your vehicle. Additional savings are available for installing daytime running lights or an electronic traffic device, as well as for having window glass etching. These features not only help you save money on car insurance, they also ensure that you arrive to your destination safely.

Average Cost of Car Insurance in Cambridge

The average cost of car insurance in Cambridge is about $1,060 annually, roughly $209 less than the average cost of car insurance in Massachusetts at $1,269 per year as of October 2022. It is also $205 less than the national average premium of $1,265 per year. Your location significantly affects your insurance cost, though it’s not the only factor insurance companies consider.

The rates included above are for a full coverage policy with$100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.