Best Cheap Auto Insurance in Cambridge, MA (2021)

The average Cambridge, MA auto insurance rates are $277 per month. The minimum auto insurance in Cambridge is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Cambridge, Massachusetts, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Cambridge is 26.6 minutes
  • The most expensive auto insurance company in Cambridge for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Cambridge is State Farm

Cambridge, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Cambridge can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Cambridge, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Cambridge to other Massachusetts cities, including New Bedford auto insurance rates, Boston auto insurance rates, and Brockton auto insurance rates to see how Cambridge, Massachusetts auto insurance rates stack up.

Before you buy Cambridge, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cambridge, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Cambridge, Massachusetts

Cambridge, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cambridge, Massachusetts.

Minimum Required Auto 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

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Cheap Cambridge, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Cambridge, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Cambridge, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Cambridge, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Cambridge, Massachusetts.

Annual Auto 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

Cheap Cambridge, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Cambridge, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Cambridge, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Cambridge, Massachusetts compared to the annual auto insurance rates with a clean record in Cambridge, Massachusetts.

Annual Cambridge, Massachusetts Auto 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

Cheap Cambridge, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Cambridge, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Cambridge, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Cambridge, Massachusetts

Insurance Company Annual Auto 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

Cheap Cambridge, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Cambridge, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Cambridge, Massachusetts to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap Cambridge, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Cambridge, Massachusetts auto insurance. Find the cheapest annual Cambridge, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Cambridge, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Cambridge, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Cambridge, Massachusetts? Check out the comparison of annual Cambridge, Massachusetts auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Cambridge, Massachusetts

Compare the cheapest auto insurance companies in Cambridge, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest Cambridge, Massachusetts Auto Insurance Companies

What auto insurance companies in Cambridge, Massachusetts are the cheapest? Compare the top Cambridge, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Cambridge, Massachusetts?

There are a lot of reasons why auto insurance rates in Cambridge, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cambridge, Massachusetts. Many local factors may affect your Cambridge auto insurance rates.

Cambridge Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cambridge, Massachusetts commute length is 26.6 minutes according to City-Data.

Cambridge Traffic

How does Cambridge, Massachusetts rank for traffic? According to Inrix Cambridge, Massachusetts is the 234th most congested worldwide.

Compare Cambridge, Massachusetts Auto Insurance Quotes

Before you buy Cambridge, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cambridge, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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