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Car Insurance Quotes in Cambridge, MA

Full coverage / year
$1,698
State minimum / year
$660
Typical quote range
$1,205 – $2,343

Drivers in Cambridge pay an estimated $1,698 a year for full coverage car insurance, or about $142 a month. That tracks the Massachusetts average closely, reflecting typical suburban driving patterns. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Cambridge, MA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$141/ month
$1,698 per year · carriers in Cambridge, MA typically quote $1,205 – $2,343
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Cambridge, MA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,290$108-24%Military members and families only
Geico$1,392$116-18%Usually cheapest for clean records
State Farm$1,494$125-12%Strong for young and student drivers
Progressive$1,613$134-5%Competitive after a ticket or accident
Travelers$1,647$137-3%Good multi-policy discounts
Nationwide$1,698$1420%Mid-market, wide availability
Allstate$1,936$161+14%Higher base rate, heavy discount stacking
Farmers$2,055$171+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Cambridge, MA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Cambridge

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,585$1,782$382
18 years old$3,868$1,503$322
20 years old$3,203$1,244$267
22 years old$2,660$1,034$222
25 years old$2,030$789$169
30 years old$1,750$680$146
40 years old$1,645$639$137
50 years old$1,575$612$131
60 years old$1,558$605$130
65 years old$1,628$632$136
70 years old$1,785$694$149
75 years old$2,083$809$174

Estimated premiums by age in Cambridge, MA, clean record, sedan.

What a ticket, accident or DUI costs in Cambridge

Driving recordEst. annualIncrease
Clean record$1,698—
1 speeding ticket$2,088+23%
1 at-fault accident$2,495+47%
DUI / DWI$3,208+89%

What a violation costs a 35-year-old in Cambridge, MA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Massachusetts

Every driver registering a vehicle in Massachusetts must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Massachusetts Department of Insurance.

Required coverage in MassachusettsMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$5,000
PIP $8,000Required
Uninsured motorist 20/40Required
Insurance systemNo-fault

Coverage levels compared in Cambridge

Coverage levelEst. annualEst. monthly
State minimum liability$660$55
Full coverage (100/300/100 + comp & collision)$1,698$141
Full coverage, high limits + low deductible$2,020$168

Coverage level comparison for Cambridge, MA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Cambridge

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Cambridge covers 02138, 02139, 02140, 02141, 02142, 02238 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Cambridge, MA?
Full coverage in Cambridge is estimated at $1,698 a year ($142 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $660 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least $20,000 bodily injury per person, $40,000 per accident and $5,000 property damage, plus pip $8,000, uninsured motorist 20/40. Massachusetts is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Cambridge?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Cambridge for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Cambridge?
An 18-year-old in Cambridge is estimated at $3,868 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Cambridge?
A DUI takes the estimate from $1,698 to about $3,208 a year in Cambridge, an increase of roughly 89%. Massachusetts drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Cambridge?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

SomervilleAllstonBack BayCharlestownBostonMission HillMedfordBrookline

Comparing more of Massachusetts? See every Massachusetts city we price or read the cheap car insurance guide for Cambridge.