Compare the Cheapest Car Insurance Quotes in Cambridge

In Cambridge, the average cost of car insurance is $962, which is less than the state average. Safety Group is the cheapest provider and charges roughly $641 annually. MoneyGeek researched the cheapest insurer by coverage amount and driving history. If you’re focused on quality and cost, we’ve also determined the best companies in Cambridge.

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Last Updated: 5/16/2022
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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, while drivers with a speeding ticket on their record would be better off with GEICO.

MoneyGeek's top choice for car insurance in Cambridge is GEICO, as it balances price and service.

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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
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Safety Group
    $641
  • 2.
    Plymouth Rock Assurance
    $665
  • 3.
    GEICO
    $673
  • 4.
    State Farm
    $697
  • 5.
    USAA
    $779
  • 6.
    MetLife
    $791
  • 7.
    Amica Mutual
    $892
  • 8.
    Allstate
    $970
  • 9.
    Arbella Insurance Group
    $1,062
  • 10.
    Progressive
    $1,148
  • 11.
    Travelers
    $2,085

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.

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Insurance Rates

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.

While 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
State Minimum

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

  • Item
    Description
  • 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
Speeding Ticket

Average Cost of Car Insurance in Cambridge

Cambridge$962
MA$1,112
U.S.$1,424

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.

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Insurance Rates

The Best Car Insurance Companies in Cambridge

If you’re looking for a good mix of affordability and quality customer service, MoneyGeek’s analysis also ranked the best overall companies in Cambridge. The top insurers are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Allstate: MoneyGeek score of 88 out of 100

USAA came in first with a perfect score of 100 out of 100. However, since it’s only available to military veterans, serving military personnel and their families, it was not included in our list.

The car insurance companies in our study were evaluated on multiple criteria like financial stability, affordability and customer satisfaction. Our study also included findings from data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Allstate
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Nationwide
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
Hanover
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
MetLife
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
MAPFRE Insurance
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Safety Group
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Arbella Insurance Group
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
Plymouth Rock Assurance
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

14
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities303rd/300
handcuffs2 icon
Most Car Thefts10th/300
uninsured icon
Most Uninsured Motorists by State49th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall86th/300
umbrella icon
Most Rainy Days48th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Cambridge are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.