Cambridge, MA Auto Insurance | Cheap Car Insurance in Cambridge, MA

Cambridge, MA auto insurance requires a minimum liability coverage of 20/40/5. Drivers who are searching for cheap car insurance in Cambridge, MA can pay $42/month with National Grange Mutual. Some of the best Cambridge, MA car insurance companies are: Liberty Mutual, Allstate, Amica, Encompass, and National Grange Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Massachusetts auto insurance lists its minimum liability coverage as 20/40/5. Drivers searching for cheap car insurance in Cambridge, MA can find competitive rates. Liberty Mutual, Allstate, Amica, Encompass, and National Grange Mutual rank among the best Cambridge, MA car insurance companies. National Grange Mutual offers Cambridge, MA auto insurance at $42 per month.

Cambridge is a popular suburb located just outside of Boston. It is world famous for being the home of both the Massachusetts Institute of Technology as well as Harvard University. Proud Cantabrigians already know that their city has a proud and lengthy history dating all the way back to the 1630’s. While it used to be an essential site for manufacturing in the late 1800’s, that industry has since been overshadowed by education.

Fun fact: hold onto your wallets! Cambridge is #9 on this list of “Top 100 cities with highest ratio of median house value to median household income (pop. 50,000+)”.

Are you looking for cheap auto insurance in Cambridge, MA? With, anyone will have the ability to discover the lowest insurance prices in their area. If you want to find free Cambridge, MA auto insurance quotes offered from some of the major providers today, it’s as easy as typing your local ZIP code.

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in Cambridge requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

For older and less expensive vehicles, you might find the state minimum requirements to be perfectly adequate. However, newer cars (especially for a vehicle you’re still making payments on) should probably have more comprehensive policies.

It costs around $134 per month for the average motorist in Massachusetts to stay insured. But you shouldn’t have to pay that much, especially if you’re living in Cambridge. Insurance companies are offering good policies for as little as $60/mo* in your area right now!

Average Monthly Auto Insurance PremiumsLegend: Cambridge Liberty Mutual Allstate Amica Encompass National Grange Mutual 102030405060708090100110$119$47$49$43$42


Encompass, National Grange Mutual, and Allstate are offering some of the best automobile insurance deals in Cambridge right now. But don’t just switch for the lower rate – make sure they give you a positive customer experience, too.

Cambridge, MA auto insurance companies evaluate different factors when predicting your insurance quote, which include your marital status, where you live, occupation, driving distance to work, and theft protection devices. Also keep in mind that premiums will change from company to company. To verify you’re still being charged the cheapest rate, use this page to compare cheap Cambridge auto insurance quotes online.

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Major Factors in Cheap Car Insurance in Cambridge, Massachusetts

There is a range of numerous items that may factor into the rate quotes you are provided with. Even though several of these details aren’t actually something you can do something about, a few of them are things which you can change for the better. Here are a few things that might alter how much car insurance premiums might cost for you:

Your ZIP Code

The most affordable auto insurance is normally found in those cities with the lowest population density. Since fewer cars are travelling the road at any given time, it is less likely you will have an opportunity to become involved in a major traffic accident. The population of Cambridge is 107,289 and the median household income is $75,137.

Auto Insurance by ZIP CodeLegend: Boston Cambridge Lowell Springfield Worcester Liberty Mutual Allstate Amica Encompass National Grange Mutual 153045607590105120135150165$126$119$145$179$153$56$47$53$67$54$54$49$56$67$57$54$43$59$68$54$47$42$52$70$55


Automotive Accidents

Judging by the chart below, Cambridge is a pretty safe place to drive. And that’s good news for your monthly premiums. The safer your city is, the more likely a company is to offer lower rates to drivers who live there.

Fatal Accidents in Cambridge, MALegend: Cambridge Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12333332


Auto Thefts in Cambridge

Even in smaller cities or non-urban towns, auto theft can still be an issue. In order to make it less of an issue for you personally, consider investing in a passive anti-theft system on your car. Your auto insurance provider may compensate you with reduced rates! In Cambridge, there were 104 auto thefts in the year 2013.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Amica Encompass National Grange Mutual 306090120150180210240$119$250$47$110$49$122$43$121$42$87


Your Credit Score

Massachusetts is a special case when it comes to automotive insurance and credit scores. There are three states where it is illegal for insurance companies to discriminate based on your credit, and Massachusetts is one of them. Although this can save you some serious cash if you have terrible credit, overall Massachusetts insurance rates will cost more to offset the insurance company’s financial risk.


Your Age

Young drivers face a particularly harrowing burden when paying for their first auto insurance policy. Because of their inexperience, they are significantly more likely to get into a serious accident. That’s why some companies charge them 2x-3x higher premiums than someone twice their age.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Liberty Mutual Allstate Amica Encompass National Grange Mutual 50100150200250300350400450500$119$521$47$241$49$209$43$252$42$370


Your Driving Record

For motorists with a few blemishes on their driving record, you can lower your monthly premiums by looking for a provider with an “Accident Forgiveness” program. Such discounts can bring your monthly Cambridge, MA auto insurance rates down for things like speeding tickets and minor accidents. But if you have a DUI or a Reckless Driving citation on your record, be prepared to see your costs increase dramatically.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Amica Encompass National Grange Mutual 20406080100120140160180200$119$142Do Not Sell$200$47$52$108$52$49$59$104$82$43$76$145$101$42$70$86$70


Your Vehicle

Some drivers, especially those with an older or less expensive vehicle, can get away with the bare minimum insurance coverage. However, before you rush out to purchase a luxury vehicle for yourself, consider the fact that it will also come with a huge insurance bill each month. After all, you wouldn’t insure a luxury vehicle with Liability only, would you?

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Amica Encompass National Grange Mutual 306090120150180210240270$119$277$47$127$49$138$43$129$42$100


Minor Factors in Cheap Auto Insurance in Cambridge, Massachusetts

Of All the factors which might raise (or even lower) your monthly insurance bill, the following are sometimes less influential:

Your Marital Status

As an individual, being married won’t get you very significant discounts on automotive insurance. However, bundling multiple policies with your spouse will drastically lower your monthly rate. This is also true for homeowner’s or boat insurance – the more policies you bundle, the more you can save.

Your Gender

These days, fewer and fewer companies are charging different rates based on gender. Many major providers charge the same, all other attributes being equal. Even if your provider does alter premiums based on gender, they are unlikely to waver by more than 2-3%.

Your Driving Distance to Work

You may have some difficulty getting around in Cambridge if you prefer to drive your own car. The general commute to work can last anywhere from 18-31 minutes. This likely explains why alternative forms of transportation are so popular in Cambridge; only about 35% of people drive their own vehicle, while 25% walk, another 20% take the subway, and about 7% either take a bus or carpool.

You might think that driving less city like Cambridge would save you a ton on monthly premiums – but you’d be off by quite a bit. Even infrequent drivers may only save 3-4% on their monthly costs. Business vehicle owners, on the other hand, can expect to pay 11% higher premiums.

Your Coverage and Deductibles

If you don’t have a big budget for your insurance premiums, try raising your deductible. The higher your deductible, the lower your monthly premiums will be. This means that you can get a basic auto policy for a greatly reduced rate, or somewhat better coverage for relatively affordable Cambridge, MA auto insurance.

Education in Cambridge, MA

It should come as no surprise that the residents of Cambridge are well-educated. Over one-quarter of citizens possess a bachelor’s degree, while nearly 20% also possess a master’s. And the higher your education, the lower your auto insurance costs, because providers often give lower rates to well-educated drivers. It’s an even more important factor than where you work, or how much you make yearly.

While Cambridge is essentially a college town, it is perhaps one of the most famous and influential college towns in the country. Everyone knows about Harvard and the Massachusetts Institute of Technology; but the city has lots to offer students who are looking to supplement their education in other ways. For instance, there are two noteworthy culinary arts schools, Le Cordon Bleu and the Cambridge School of Culinary Arts. There is also the Longy School of Music, or Hult International Business School.

Locating low-cost auto insurance might be a difficult find in this day and age. There’s lots of important information to contemplate, and determining how insurance providers examine your possible risk factors can be tortuous. But try not to allow any greedy insurance companies to convince you that purchasing an overpriced policy is a good idea.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Massachusetts Division of Insurance

Massachusetts Division of Insurance and Financial Institutions

Department of Highway Safety and Motor Vehicles

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