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Cambridge Car Insurance

How much does car insurance cost in Cambridge, MA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Cambridge?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Massachusetts has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Cambridge typically pay around $81.43 per month compared to the national average of $135.22 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.22
Massachusetts $94.51
Cambridge, Massachusetts $81.43

Cambridge, MA Best Car Insurance Companies

car insurance in Cambridge

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Cambridge coming in around $71.77 per month. Other companies to consider if you live in Cambridge is Norfolk and Dedham Group with an average cost of $114.21 per month and Plymouth Rock Assurance which typically runs around $115.50 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Cambridge.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $71.77-24.06%
2 Norfolk and Dedham Group $114.2120.85%
3 Plymouth Rock Assurance $115.5022.21%
4 USAA $121.3428.39%
5 Safety Group $132.8140.53%
6 Arbella Insurance Group $161.2870.65%
7 Pure Companies Grp $162.3071.73%
8 ACE American Pool $162.4571.90%
9 Metropolitan $165.3174.92%
10 Preferred Mutual $166.8876.58%

How Much is Car Insurance in Cambridge, MA?

how much is auto insurance in Cambridge

Rates can vary from city to city. The residents of Boston typically pay $123.76 per month while people who live in Cambridge will pay $81.43 per month on average. See what people pay for car insurance in other cities in Massachusetts.

Massachusetts CitiesMonthly Average Rate
Boston $123.76
Cambridge $81.43
Springfield $104.31
Woburn $91.41
Worcester $107.99

Cheap Car Insurance in Cambridge by Zip Codes

find cheap auto insurance in Cambridge

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Massachusetts. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Cambridge, MA ZIP CodeAverage Monthly Rate
02138$90.31
02139$71.03
02140$94.50
02141$68.69
02142$85.60

Car Insurance Rates by Driver's Age Group in Cambridge

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $138.04 per month in Cambridge. Compare that to drivers in their 30’s who typically pay around $69.19 per month drivers in their 40s at $70.12 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$138.04
20s$76.53
30s$69.19
40s$70.12
50s$59.10
60s$53.63
70+$70.01

Cheapest Insurance for Teenage Drivers in Cambridge

If you are teen in Cambridge you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Plymouth Rock Assurance typically charges around $202.08 per month. This is likely the most affordable option in Cambridge. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Plymouth Rock Assurance$202.08
State Farm$277.42
USAA$378.92
Norfolk and Dedham Group$421.75
Pure Companies Grp$638.92

Cheapest Insurance for 20 Year-olds in Cambridge

20 year-olds in Cambridge might want to consider State Farm who, on average, offers car insurance rates around $74.00 per month. USAA , Plymouth Rock Assurance , Norfolk and Dedham Group and Safety Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$74.00
USAA$114.10
Plymouth Rock Assurance$121.31
Norfolk and Dedham Group$126.43
Safety Group$143.35

Cheapest Insurance for 30 Year-olds in Cambridge

If you are in your 30s in Cambridge our research has found that State Farm typically has the most affordable coverage coming in around $72.22 per month, followed by Norfolk and Dedham Group at $115.30 and Plymouth Rock Assurance at $118.10.

CompanyAverage Monthly Rate
State Farm$72.22
Norfolk and Dedham Group$115.30
Plymouth Rock Assurance$118.10
Safety Group$119.08
USAA$138.90

Cheapest Insurance for 40 Year-olds in Cambridge

On average, State Farm offers car insurance for 40 year-olds in Cambridge for around $60.93 per month. If you are looking for affordable coverage, you may also want to consider Norfolk and Dedham Group or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$60.93
Norfolk and Dedham Group$92.76
USAA$93.93
Safety Group$95.25
Plymouth Rock Assurance$98.93

Cheapest Insurance for 50 Year-olds in Cambridge

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Cambridge we found that State Farm generally offers the most affordable coverage at $66.50 per month.

CompanyAverage Monthly Rate
State Farm$66.50
Safety Group$105.08
Norfolk and Dedham Group$105.92
USAA$113.75
Pure Companies Grp$119.33

Cheapest Insurance for 60 Year-olds in Cambridge

If you live in Cambridge and you’re in your 60s, our data indicates that Plymouth Rock Assurance usually has the best rates at $60.58 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Plymouth Rock Assurance$60.58
State Farm$67.08
Norfolk and Dedham Group$72.42
USAA$72.67
National Grange Mutual$77.00

Driver's Coverage Auto Insurance Rates in Cambridge, MA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Cambridge, the average monthly rate for a driver who is currently insured is $78.51 while drivers who are not currently covered will pay around $84.91.

CoverageAverage Monthly Rate
Not Currently Insured $84.91
Currently Insured $78.51

Compare Recent Car Insurance Quotes in Cambridge

auto insurance quotes in Cambridge city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Cambridge a driver of a 2010 Lexus Es can expect to pay around $82.43 per month while someone that owns a 2012 Bmw X3 may pay around $88.07 per month. Check out the list of recent quotes in Cambridge below.

VehicleAverage Monthly Rate
2010 Lexus Es$82.43
2012 Bmw X3$88.07
2008 Toyota Scion$76.40
2020 Toyota Rav4$88.52
2020 Chevrolet Equinox$84.50
2017 Toyota Highlander$92.38
2004 Honda accord dx$133.27
2020 Honda Accord$101.38
2013 Volkswagen passat s$78.73
2018 Mercedes-Benz CLA 250$123.60

FAQ's for Drivers in Cambridge, MA

driver’s frequently asked question in Cambridge

What Is the Minimum Liability Coverage Requirement in Cambridge, MA?

Every state requires drivers to have a minimum amount of liability coverage. Massachusetts drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $5,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Car insurance is a must in Massachusetts, and the state sets a number of mandatory coverage types and minimum limits. All drivers must carry $20,000 bodily injury coverage per person and $40,000 per accident. In addition, motorist need $8,000 personal injury protection (PIP) coverage per person, per accident, as well as $5,000 property damage liability coverage per accident. Beyond this, residents are also obligated to buy uninsured motorist coverage in the amounts of $20,000 per person and $40,000 per accident.

What Is the Blood Alcohol Concentration (BAC) limit in Cambridge, MA?

It’s against the law for individuals to operate a vehicle in Massachusetts with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

    Operating under the influence (OUI) laws in Massachusetts are aggressively enforced, as alcohol- and drug-related accidents have been a major problem in the state.

    What are the consequences of being convicted of a DUI?

    Again, driving under the influence has been a big problem in Massachusetts, so the consequences are steep. The specifics of each situation affect the penalties. However, generally speaking, first-time OUI offenders have their license suspended for 1 year, face administrative and criminal fines of up to nearly $7,000, may be sentenced to as much as 2.5 years in jail, and may be compelled to complete a drug and alcohol education or treatment program.

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    Commute Time in Cambridge, MA

    25.5 Miles
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    Commute Time in United States

    26.4 Miles
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    Number of Nearest Insurance Agents in Cambridge, MA

    221

    Methodology
    The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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