MoneyGeek's study found that Safety Group has the cheapest full coverage policy in Cambridge.
Plymouth Rock Assurance is the best option if you’re looking for a state minimum policy, whereas drivers with a speeding ticket on their record would be better off with GEICO.
MoneyGeek's top choice for car insurance in Cambridge is State Farm, as it balances price and service.
The Cheapest and Best Car Insurance in Cambridge



The Cheapest Car Insurance Companies in Cambridge
On average, the companies that offer the cheapest full coverage policies in Cambridge are:
- Safety Group: $641 per year
- Plymouth Rock Assurance: $665 per year
Safety Group’s full coverage policy, which includes comprehensive and collision insurance, is more than 225.3% cheaper than Travelers, which is the most expensive auto insurer in the city at $2,085 per year. A full coverage policy includes both comprehensive and collision insurance. That said, your prices may vary depending on how much liability insurance you choose.
Cheapest Car Insurance in Cambridge
- Company100/300/100per year
- 1.Safety Group$641
- 2.$665
- 3.$673
- 4.$697
- 5.$779
MoneyGeek’s methodology included gathering car insurance quotes for a sample 40-year-old male driver in Cambridge with a full coverage policy.
Full coverage auto insurance comes with comprehensive and collision coverage, which costs more than minimum coverage but provides more protection in the event of an accident.
- Comprehensive insurance: covers damages due to theft, vandalism and any other reasons other than accidents
- Collision insurance: covers damages to your car when it is involved in an accident
If the premium for a full coverage policy costs more than what your car is worth, a liability-only or state minimum policy would be a financially savvy choice.
Compare Car Insurance Rates in Cambridge
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Cambridge for Minimum Coverage
Cambridge drivers looking for the cheapest car insurance can opt for a state minimum policy. On average, the companies that offer the cheapest state minimum policies in the city are:
- Plymouth Rock Assurance: $287 per year
- State Farm: $315 per year
Choosing Plymouth Rock Assurance’s state minimum policy helps you save significantly. The insurer’s policy is $768 cheaper than Travelers, which is the most expensive option in the city.
Although a minimum coverage policy is the most budget-friendly option, it may not provide sufficient coverage after an accident since it does not include collision or comprehensive insurance, and the liability limits are relatively low. The table below shows how much it costs to include higher liability limits.
Cheapest Minimum Liability Car Insurance in Cambridge
- CompanyState Minimumper year
- 1.$287
- 2.$315
- 3.$348
- 4.Safety Group$383
- 5.$398
As per state law, the minimum car insurance for all drivers in Massachusetts must include 20/40/5 liability insurance. This is the cheapest auto insurance option you can find in Cambridge. However, with its low liability limits, you may end up paying more from your pocket after an accident.
For example, if you’re involved in an at-fault accident where the other driver’s medical bills amount to $40,000, your insurance will cover $20,000 of that. You’ll have to pay the balance of $20,000 out of your own pocket.
Massachusetts Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$20,000 per person, $40,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$20,000 per person and $40,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$8,000 per accident.
Cheapest Car Insurance in Cambridge if You Have Driving Violations
Drivers in Cambridge with prior violations like DUIs, at-fault accidents and speeding tickets typically have to pay more for car insurance premiums. If you have prior violations and are looking for the cheapest car insurance, your best options are, on average:
- Cheapest after a ticket: GEICO at $750 per year
- Cheapest after an at-fault accident: Plymouth Rock Assurance at $998 per year
- Cheapest after a DUI: Plymouth Rock Assurance at $1,037 per year
To get access to lower premiums over time, you’ll need to improve your driving record. Until then, your best option is to shop around for quotes from companies that offer the best cheap car insurance for drivers with bad records.
Cheapest Car Insurance in Cambridge With a Violation
- CompanySpeeding Ticketper year
- 1.$750
- 2.$798
- 3.$902
- 4.$954
- 5.$970
Average Cost of Car Insurance in Cambridge
The average cost to insure a car in Cambridge is $962 per year, which is cheaper than both the state and national averages. Cambridge drivers typically pay 13.5% less than drivers in other cities in the state. The city rate is also 32.4% cheaper than the national annual average.
Personalized Quotes to Get You the Cheapest Car Insurance in Cambridge
Insurers evaluate car insurance quotes in Cambridge based on several factors, such as age, credit history, area of residence and the car make and model. To find the best policy to suit your needs, compare car insurance quotes regularly. This gives you access to the best rates and also helps to know if you qualify for discounts, rebates or other savings.
Compare Car Insurance Rates in Cambridge
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Cambridge
MoneyGeek researched different car insurance companies and scored them after analyzing their average rates, claims ratings and customer satisfaction scores. We found the following companies offer the best car insurance in Cambridge:
- State Farm: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 93 out of 100
Although the two companies score the same, State Farm edges out GEICO with a slightly higher affordability score.
Since USAA’s policies are only available to military members, we did not include it in our analysis. However, the company received a score of 96 out of 100, making it the top car insurance company in Cambridge.

GEICO charges Cambridge drivers an average of $673 per year for a full coverage policy. The company ranks the highest for customer satisfaction and has the third-highest rating for claims and affordability. GEICO offers mechanical breakdown insurance.
GEICO offers policyholders several coverages, including roadside assistance, rental car and/or travel reimbursement, accident forgiveness and a unique coverage called mechanical breakdown insurance. Mechanical breakdown insurance provides better and cheaper coverage than the typical dealer extended warranty. It’s available for cars less than 15 months old and with less than 15,000 miles.
Read MoneyGeek's GEICO auto Insurance Review
State Farm’s full coverage auto insurance costs an average of $697 per year in Cambridge. The company ranks highly for claims, customer satisfaction and affordability. In addition, it offers rideshare insurance, a rare coverage.
State Farm offers policyholders add-on coverages like roadside assistance, rental car and/or travel reimbursement and rideshare insurance. Its rideshare insurance benefits drivers working with companies like Uber or Lyft. It extends the driver’s personal policy coverage and ensures it remains in effect while the app is on and the driver is available for hire.
Read MoneyGeek's State Farm auto Insurance Review







Average Cost of Car Insurance by Postal Code
Average car insurance rates also depend on where you live in Cambridge. This is because each area has different levels of traffic density, theft ratio and accident rates. However, Cambridge residents pay the same rates for auto insurance irrespective of their ZIP code.
- Zip CodeState Minimumper year
- 02138$962
- 02139$962
Factors That Impact Insurance Costs in Cambridge
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Cambridge. How Cambridge ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
