Cambridge drivers can get minimum coverage for $27 monthly through Plymouth Rock. The same company offers full coverage at $75 monthly or $904 yearly.
Cheapest Car Insurance in Cambridge (2026)
Updated: May 23, 2026
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Cheapest for Full Coverage: Plymouth Rock
- Plymouth Rock provides Cambridge's most affordable full coverage car insurance at $75 monthly and also offers the cheapest minimum liability at $27 per month.
- Read more on the cheapest full and minimum coverage options.
Cheapest for Young Drivers: Plymouth Rock
- Plymouth Rock leads Cambridge with the lowest full coverage rates for those aged 16 to 25, while seniors also get competitive rates through Norfolk & Dedham at $75 monthly.
- Read more about the cheapest insurance options in Cambridge for young drivers and other age groups.
Cheapest for Drivers With a DUI or Other Violations: Plymouth Rock
- Driving violations increase your premiums in Cambridge. Travelers offers the lowest rates for drivers with DUIs at $74 monthly for minimum coverage, while Westfield Insurance provides the best rates for speeding tickets and at-fault accidents.
- Learn more about how violations affect your rates and find the cheapest options for drivers with imperfect records.
Cheapest Cambridge Car Insurance for Full and Minimum Coverage
| Plymouth Rock Insurance | $75 | $27 | -38% |
| Geico | $80 | $39 | -28% |
| Amica | $98 | $42 | -15% |
| Norfolk & Dedham Insurance | $98 | $44 | -14% |
| Quincy Insurance | $107 | $50 | -5% |
Average Car Insurance Costs in Cambridge and Massachusetts
Cambridge drivers pay $110 per month for full coverage, compared to the Massachusetts average of $91. Minimum coverage follows the same pattern: $50 in Cambridge versus $40 statewide. Dense traffic, higher accident rates and vehicle theft rates above the state average all push Cambridge premiums higher.
Data filtered by:
Full Coverage
| $110 | $91 |
Read More: The cheapest car insurance in Massachusetts
Cheapest Cambridge Car Insurance by Age
Cambridge car insurance rates drop with age. Young drivers pay an average of $204 monthly across the top five insurers. Adults pay $92, and seniors pay $91. Inexperience and a higher claim rate push young driver premiums well above the adult average.
Plymouth Rock has the cheapest rates for both young and adult drivers at $141 and $75 per month, respectively. Norfolk & Dedham is the lowest option for seniors at $75 per month.
Rates drop sharply once drivers build a clean record. The $1 gap between adult and senior averages reflects that insurers price the two groups nearly the same
Cheapest Car Insurance in Cambridge for Young Drivers
Young Cambridge drivers pay an average of $204 monthly across the city's top five insurers. Plymouth Rock is the cheapest option at $141 per month or $1,693 per year for full coverage. Insurers rate drivers 16 to 25 as high-risk because of inexperience and higher accident rates, which puts premiums well above what experienced drivers pay.
Young Cambridge drivers save $117 monthly by choosing Plymouth Rock over Norfolk & Dedham at $258 per month. Adding a young driver to a family policy costs less than standalone coverage. Rates stay high 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.
| Plymouth Rock Insurance | $141 | $1,693 |
| Geico | $164 | $1,972 |
| Amica | $205 | $2,455 |
| Arbella | $254 | $3,048 |
| Norfolk & Dedham Insurance | $258 | $3,101 |
Cheapest Car Insurance in Cambridge for Senior Drivers
Cambridge seniors pay competitive car insurance rates because of their clean driving records and decades of experience. Norfolk & Dedham has the lowest premiums at $75 monthly or $895 annually for full coverage.
Most insurers reward experienced drivers with lower rates, but some raise premiums for drivers over 70 due to concerns about slower reaction times. Across the city's five cheapest options, seniors pay an average of $91 monthly, $1 less than the $92 adult average.
Seniors save $27 monthly by choosing Norfolk & Dedham over Farmers at $102 monthly. Complete defensive driving courses or keep annual mileage under 7,500 miles to get extra discounts for bigger savings.
| Norfolk & Dedham Insurance | $75 | $895 |
| Geico | $80 | $955 |
| Plymouth Rock Insurance | $96 | $1,157 |
| Arbella | $102 | $1,221 |
| Farmers | $102 | $1,225 |
Cheapest Car Insurance in Cambridge for Adult Drivers
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. A clean driving record and bundled policies can push those savings higher.
| Plymouth Rock Insurance | $75 | $904 |
| Geico | $80 | $963 |
| Norfolk & Dedham Insurance | $98 | $1,170 |
| Amica | $98 | $1,177 |
| Quincy Insurance | $107 | $1,278 |
Cheapest Cambridge Car Insurance for Drivers With a DUI, Accident or Speeding Ticket
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.
Data filtered by:
DUI
| Plymouth Rock Insurance | $46 | $551 |
| Geico | $68 | $811 |
| Progressive | $93 | $1,120 |
| Amica | $94 | $1,125 |
| Norfolk & Dedham Insurance | $100 | $1,199 |
Cambridge Car Insurance Costs by ZIP Code
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.
Data filtered by:
02138
| 02138 | $59 | $126 |
How to Get the Best Cheap Cambridge Car Insurance
Cambridge drivers can get competitive rates without sacrificing proper coverage by knowing which insurers offer the best value.
- 1Know Your Coverage Needs
Try our car insurance coverage needs calculator for customized advice. It determines the right coverage amount based on your situation and budget.
- 2Review Different Coverage Types
Compare car insurance options available in Cambridge. Try pay-per-mile coverage if you drive infrequently, or a non-owner policy if you occasionally borrow vehicles.
- 3Check Average Costs in Your Area
Look up average vehicle insurance costs for your Cambridge neighborhood. Local rates vary, so knowing your area's typical pricing helps set realistic expectations.
- 4Find All Available Discounts
Check every car insurance discount. Consider bundling multiple policies or securing multi-car discounts. You can also save with safe driver, student and anti-theft discounts.
- 5Research Insurance Company Ratings
Check company ratings and customer feedback for insurers serving Cambridge. Financial strength ratings and customer satisfaction scores point to reliable insurers that handle claims well.
- 6Get Quotes from Multiple Insurers
Request quotes from at least three carriers. Prices vary between insurers for identical coverage, so comparing quotes is the most reliable way to find a lower rate.
- 7Review Your Policy Annually
Revisit your policy yearly to stay competitive with current rates. Your circumstances and available discounts change over time, so regular reviews help you stay on the best rate for your coverage.
Cheap Cambridge Car Insurance: FAQ
What is the cheapest car insurance company in Cambridge, Massachusetts?
Plymouth Rock has Cambridge’s cheapest minimum coverage at $324 annually and the most affordable full coverage at about $900 per year. Rates vary by driver, so comparing quotes helps identify the best option for your profile.
Who offers the best car insurance in Cambridge?
Plymouth Rock ranks first among Cambridge's car insurance providers, earning a MoneyGeek score of 95 out of 100 and outpacing Amica by four points. The company performs well in both affordability and coverage options.
What is the average cost of car insurance in Cambridge?
Cambridge drivers pay $600 annually for minimum coverage and $1,320 for full coverage car insurance. Your actual premiums depend on your individual situation.
Is car insurance in Cambridge expensive?
Yes, Cambridge has expensive car insurance costs, ranking 464th for minimum coverage and 457th for full coverage affordability among Massachusetts cities.
How We Figured Out the Cheapest Car Insurance in Cambridge, MA
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.