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.
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.
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.
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.
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.
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.
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.
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
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?

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.
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?

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?

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
