Compare Cambridge, MA Car Insurance Rates (2021)

Car insurance in Cambridge, MA averages $277 a month. Cambridge, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Cambridge car insurance rates, compare quotes from the top car insurance companies in Cambridge, MA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Cambridge, MA after a DUI are $4,073/year
  • The cheapest car insurance company in Cambridge is State Farm
  • The cheapest car insurance company in Cambridge for teen drivers is State Farm

If you need to buy Cambridge, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Cambridge, MA is right here.

You’ll find Cambridge car insurance rates, the cheapest Cambridge, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Cambridge, Massachusetts car insurance rates to Cambridge car insurance rates, Lowell car insurance rates, and Lynn car insurance rates.

Ready to find affordable Cambridge, MA car insurance today? Enter your ZIP code for fast, free Cambridge car insurance quotes.

Cheapest Cambridge, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cambridge, MA car insurance rates? Every Cambridge, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cambridge, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,409 $2,409 $2,409 $2,409 $7,866 $7,866 $2,699 $2,699
GEICO $1,874 $1,874 $1,734 $1,734 $5,124 $5,124 $1,960 $1,960
Liberty Mutual $3,243 $3,243 $2,824 $2,824 $9,875 $9,875 $3,393 $3,393
Progressive $2,411 $2,411 $2,312 $2,312 $9,110 $9,110 $2,607 $2,607
State Farm $1,074 $1,074 $1,074 $1,074 $3,127 $3,127 $1,074 $1,074
Travelers $3,143 $3,143 $2,772 $2,772 $6,472 $6,472 $3,491 $3,491
USAA $1,625 $1,625 $1,601 $1,601 $3,822 $3,822 $1,797 $1,797

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Minimum Car Insurance in Cambridge, MA

Every driver must carry the minimum car insurance in Cambridge, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car Insurance Coverage in Cambridge, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Cambridge, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cambridge, MA to rates for a clean record with top companies.

Annual Cambridge, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,971 $4,450 $4,990 $2,971
GEICO $2,165 $2,926 $3,320 $2,283
Liberty Mutual $3,807 $5,208 $6,250 $4,072
Progressive $3,447 $4,869 $3,862 $4,262
State Farm $1,260 $1,712 $2,030 $1,348
Travelers $3,083 $4,283 $4,586 $3,926
USAA $1,570 $2,043 $3,475 $1,757

Cheapest Cambridge, MA Car Insurance for Teen Drivers

Teen car insurance in Cambridge, MA can be expensive. Take a look at rates from the top car insurance companies in Cambridge for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cambridge, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,866 $7,866
GEICO $5,124 $5,124
Liberty Mutual $9,875 $9,875
Progressive $9,110 $9,110
State Farm $3,127 $3,127
Travelers $6,472 $6,472
USAA $3,822 $3,822

Cheapest Cambridge, MA Car Insurance for Seniors

Take a look at Cambridge, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cambridge, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,409 $2,409
GEICO $1,734 $1,734
Liberty Mutual $2,824 $2,824
Progressive $2,312 $2,312
State Farm $1,074 $1,074
Travelers $2,772 $2,772
USAA $1,601 $1,601

Cheapest Cambridge, MA Car Insurance Rates After a DUI

A DUI in Cambridge, MA increases car insurance rates. Compare Cambridge, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cambridge, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,990
GEICO $3,320
Liberty Mutual $6,250
Progressive $3,862
State Farm $2,030
Travelers $4,586
USAA $3,475

Cheapest Cambridge, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cambridge, MA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cambridge, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,719 $3,973
GEICO $2,635 $2,712
Liberty Mutual $4,646 $5,022
Progressive $4,110 $4,110
State Farm $1,549 $1,626
Travelers $3,781 $4,159
USAA $2,150 $2,273

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Cheapest Cambridge, MA Car Insurance Rates by ZIP Code

Cambridge car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cambridge, MA.

Annual Car Insurance Rates by ZIP Code in Cambridge, Massachusetts

ZIP Code Average Annual Rates
2138 $3,319
2139 $3,319
2140 $3,319
2141 $3,319
2142 $3,319

The Best Cheap Car Insurance Companies in Cambridge, MA

Take a look at a side-by-side comparison of the top car insurance companies in Cambridge, MA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cambridge, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,846
GEICO $2,673
Liberty Mutual $4,834
Progressive $4,110
State Farm $1,587
Travelers $3,970
USAA $2,211

Category Winners: Cheapest Car Insurance in Cambridge, Massachusetts

Find the cheapest car insurance companies in Cambridge, MA for each category right here.

Best Annual Car Insurance Rates by Company in Cambridge, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest Cambridge, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cambridge car insurance rates. Find the cheapest Cambridge, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cambridge, Massachusetts

Insurance Company Low Medium High
Allstate $3,524 $3,913 $4,100
GEICO $2,440 $2,723 $2,857
Liberty Mutual $4,509 $4,896 $5,097
Progressive $3,775 $4,179 $4,376
State Farm $1,433 $1,615 $1,714
Travelers $3,570 $4,053 $4,286
USAA $2,048 $2,247 $2,339

What affects car insurance rates in Cambridge, Massachusetts?

What factors can have an impact on Cambridge, MA car insurance? There are several reasons why Cambridge car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cambridge, Massachusetts.

Commute Time in Cambridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Cambridge, MA is 26.6 minutes according to City-Data.

Traffic in Cambridge

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cambridge, MA traffic data from INRIX ranks Cambridge as the 234th-most congested in the world.

Compare Car Insurance Quotes in Cambridge, MA

Ready to find affordable Cambridge, Massachusetts car insurance today? Enter your ZIP code for fast, free Cambridge, MA car insurance quotes.

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