Best Cambridge, MA Auto Insurance in 2025 (Check Out the Top 10 Companies)

The top providers of the best Cambridge, MA, auto insurance are Geico, Amica, and Travelers, each offering distinct advantages beyond basic coverage.

Geico stands out with up to 22% savings for safe drivers and added perks for military members and federal employees. Explore key types of auto insurance coverage in Cambridge plans.

Our Top 10 Company Picks: Best Cambridge, MA Auto Insurance

Amica’s Platinum Choice package includes $1,000 lock replacement and full glass repair at no extra cost. Travelers use the IntelliDrive app to track driving habits, which can deliver up to 30% in savings after 90 days of consistent safe behavior.

Compare car insurance rates in Cambridge, Massachusetts, using our free comparison tool. Enter your ZIP code to view top offers.

#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: In Cambridge, Geico drops monthly rates if you’ve got a clean driving record and enroll in their Safe Driver discount. Refer to our Geico auto insurance review to know more.
• Special Perks for Locals: Cambridge military families and federal employees can unlock extra policy perks not typically offered by other providers.
• App Efficiency: Managing claims, ID cards, and payments is seamless with Geico’s mobile app, especially convenient for busy Cambridge drivers.

Cons

• Few Local Agents: Geico has almost no in-person support in Cambridge, so you’ll need to rely on phone or digital tools to handle any policy changes.
• Optional Coverage Adds Up: Popular extras like rental car reimbursement or mechanical breakdown insurance can push up costs for Cambridge customers if added separately.

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#2 – Amica: Best for Customer Service

Pros

• Platinum Package Extras: Cambridge drivers get full-glass coverage and a $1,000 lock replacement at no extra cost with Amica’s Platinum Choice Auto plan.
• Annual Cashback: Drivers in Cambridge can receive a portion of their premium back each year if they qualify for Amica’s dividend policies. Read our Amica auto insurance review for details.
• Built-In ID Protection: Identity theft monitoring is included, which is a great bonus for Cambridge residents juggling multiple digital accounts.

Cons

• Premiums Can Be Pricey: Amica’s monthly rates in Cambridge tend to run high unless you stack discounts or bundle other policies.
• Basic App Features: The mobile experience is pretty limited, and Cambridge users can’t make coverage edits or see detailed policy breakdowns directly in the app.

#3 – Travelers: Best for Discount Options

Pros

• Big Savings with IntelliDrive: If you’re a careful driver in Cambridge, Travelers could cut your rate by up to 30% after just 90 days of using their IntelliDrive app.
• Stackable Discounts: Pairing home and auto insurance with Travelers in Cambridge can quickly drop your overall costs. Have a look at our Travelers auto insurance review.
• Helpful Driving Feedback: The app provides Cambridge drivers with real-time behavior data, which can improve driving and influence future pricing.

Cons

• Savings Aren’t Immediate: You’ll need to complete the 90-day IntelliDrive period before any discount shows up, which delays benefits for Cambridge users.
• Not Ideal for Risky Drivers: If your record includes any violations, Travelers’ base rates in Cambridge might come in higher than competitors, even with the app.

#4 – State Farm: Best for Good Student

Pros

• Student-Friendly Savings: Cambridge college students with a 3.0 GPA or higher can qualify for State Farm’s Good Student program. Check out our State Farm auto insurance review to learn more.
• Easy Multi-Policy Bundling: If you combine auto and renters or homeowners insurance in Cambridge, you’ll likely see a sharp drop in total premium costs.
• App-Based Safe Driving: The Drive Safe & Save program works well for Cambridge drivers who want to track their habits and unlock new discounts as they go.

Cons

• Rates Vary a Lot: Cambridge drivers with accidents or no prior coverage could face inconsistent pricing, even if they qualify for other discounts.
• Limited DIY Tools: You can’t make all policy changes online, so some updates for Cambridge policies require a call or visit to an agent.

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#5 – Nationwide: Best for Deductible Options

Pros

• Flexible Deductibles: Cambridge drivers can adjust their deductibles to manage their monthly payments. Read our Nationwide auto insurance review for more information.
• Deductible Shrinks Over Time: Each year you don’t file a claim in Cambridge knocks $100 off your deductible, which can really add up with a clean record.
• Annual Coverage Checkups: Nationwide’s On Your Side Review is a nice touch, helping Cambridge customers keep their coverage aligned with life changes.

Cons

• Starting Costs Run High: Without bundling or loyalty discounts, Nationwide’s entry-level premiums in Cambridge are a bit steeper than other brands.
• App Isn’t Fully Flexible: Some features, like adding accident forgiveness, still require help from a Cambridge agent instead of self-service online.

#6 – Progressive: Best for Budgeting Tools

Pros

• Name Your Price Tool: Cambridge drivers can enter their monthly budget into Progressive’s Name Your Price tool to receive policy options aligned with how much they want to spend.
• Snapshot Program Savings: Safe Cambridge drivers can unlock dynamic discounts by sharing real-time driving data through Snapshot. Explore our Progressive auto insurance review for more details.
• Layered Discount System: Progressive rewards Cambridge policyholders who combine auto with home, renters, or motorcycle coverage through up to five separate discount tiers.

Cons

• High-Risk Premium Spike: Drivers in Cambridge with speeding tickets or prior claims may see significant rate hikes, even with usage-based discounts applied.
• Claim Handling Time: Some Cambridge customers report delays in complex claim resolutions, especially when multiple vehicles or parties are involved.

#7 – Auto-Owners: Best for Client Centric

Pros

• Agent-First Service: In Cambridge, Auto-Owners is praised for its responsive local agents who provide one-on-one help for claims and policy changes without relying on call centers.
• Multi-Policy Efficiency: Cambridge residents bundling auto with life or home coverage can trim their monthly premiums significantly through multi-line discounts.
• Stability Rating: Holding an A++ (Superior) A.M. Best rating, Auto-Owners brings Cambridge drivers dependable financial strength. Discover our Auto-Owners auto insurance review for details.

Cons

• Limited Online Features: Cambridge users looking to manage policies or file claims digitally may find Auto-Owners’ web and mobile tools lack modern functionality.
• Fewer Local Offices: While agent service is a plus, some areas of Cambridge have limited office presence, requiring longer travel for in-person help.

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#8 – Farmers: Best for Policy Options

Pros

• Cambridge Coverage Variety: Farmers offers Cambridge drivers many optional coverages, such as new car replacement and rideshare insurance, which can be customized to fit each person’s specific risk situation.
• Signal App Benefits: By installing the Signal app, Cambridge policyholders can earn up to 15% off after 10 monitored trips, improving premiums with safe behavior.
• Declining Deductible: With every claim-free term, Farmers reduces your deductible by $50, which adds up fast for safe Cambridge drivers. Explore our Farmers auto insurance review to learn more.

Cons

• Above-Average Starting Rates: Cambridge newcomers to Farmers may notice higher base premiums until loyalty, bundling, or usage-based discounts are factored in.
• Coverage Complexity: With so many optional add-ons, Cambridge drivers must stay on top of what’s included—or risk overpaying for features they don’t need.

#9 – Liberty Mutual: Best for Unique Benefits

Pros

• Better Car Replacement: Liberty Mutual gives Cambridge drivers a new vehicle replacement upgrade, not just a payout for the depreciated value, after a total loss within the first year.
• Custom Add-Ons: From deductible fund contributions to accident forgiveness, Liberty’s customizable options offer Cambridge users rare flexibility in how they build protection.
• 24/7 Claims Assistance: Liberty’s round-the-clock support line is a huge asset for Cambridge drivers who may need roadside help. Learn more in our Liberty Mutual auto insurance review.

Cons

• Inconsistent Discount Application: Some Cambridge customers report difficulty accessing all available savings without speaking directly to an agent or using a promo-specific quote tool.
• Costlier Premiums: Even with perks, Liberty Mutual’s Cambridge pricing tends to land on the higher end unless paired with bundling or driving behavior programs.

#10 – Allstate: Best for Drivewise Program

Pros

• Drivewise Rewards: Cambridge drivers enrolled in Allstate’s Drivewise app can earn savings for braking gently. Visit our Allstate auto insurance review to get the full scoop.
• Claim Satisfaction Guarantee: If Cambridge users are unhappy with how a covered claim was handled, Allstate offers partial premium refunds through its customer guarantee.
• Deductible Rewards: Drivers in Cambridge automatically earn $100 off their deductible the day their policy begins, just for signing up, and this amount continues to grow each accident-free year.

Cons

• Rates Without Bundling: Standalone Cambridge auto insurance policies through Allstate are often expensive without pairing with home, renters, or life insurance.
• Driving Behavior Penalties: Cambridge Drivewise users may see reduced discounts or even rate hikes if tracked driving habits fall short of safe thresholds.

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Auto Insurance Coverage Rates in Cambridge, MA

The state’s minimum requirements for older and less expensive vehicles are perfectly adequate. However, when comparing auto insurance companies, it’s essential to consider that newer cars, especially if you’re still financing them, require more comprehensive policies to ensure adequate protection.

Cambridge, MA Auto Insurance Monthly Rates by Coverage Level

While the average motorist in Massachusetts pays around $134 per month for insurance, living in Cambridge could mean significant savings. Insurance companies in your area are currently offering good policies for as little as $60 per month, making it possible to reduce your insurance costs.

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

Cambridge, MA Auto Insurance Monthly Rates by Age

Teenagers living in Cambridge have to pay high insurance costs. A 17-year-old using Allstate pays $716 each month, but Geico offers the cheapest rate at $525. At age 34, insurance rates become much lower.

Geico is the cheapest at $125. Amica costs $138, and State Farm offers a rate of $130, which also helps older drivers save money.

Cambridge, MA Auto Insurance Monthly Rates by Driving Record

State Farm offers the lowest prices for all kinds of violations. The table shows how one ticket or DUI rapidly increases rates in Cambridge. Geico stays competitive for small violations, but Progressive and Travelers become very costly with a DUI. Amica and Auto-Owners remain consistent, though not inexpensive.

Cambridge, MA Auto Insurance Discounts

Cambridge insurers give actual savings for clever actions. Nationwide offers a big 40% discount to drivers who don’t drive much and are safe, while Amica gives leading bundling discounts of 30%.

Auto Insurance Discounts From the Top Providers in Cambridge, MA

State Farm gives students up to a 35% discount. Progressive offers a strong 30% discount for good drivers and low mileage, but Travelers has smaller discounts of under 20% in all areas.

Cambridge, MA Report Card: Auto Insurance Premiums

Cambridge’s car insurance report card explains important risk factors that insurers think about when setting policy prices. Traffic density got an A grade, meaning there is a lot of congestion, but the patterns are well-documented and predictable.

Claim sizes and weather risks are in the middle, getting B grades. But things like theft and drivers without insurance lower the score, with Cs showing more risk for insurers.

Factors Affecting Cambridge, MA Auto Insurance

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

Your ZIP Code

The most affordable auto insurance is commonly found in cities with the lowest population density. Cities with fewer people on the roads often have lower accident rates, which directly affects how insurers calculate risk.

Cambridge, MA Auto Insurance Monthly Rates by ZIP Code

Since fewer cars are traveling 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.

Automotive Accidents

The chart below shows that Cambridge is a safe driving place, which is good news for your monthly premiums.

Fatal Accidents in Cambridge, MA

The safer your city is, the more likely a company will offer lower rates to drivers living there. So if you live in a place like Cambridge with low crime, minimal severe crashes, and predictable traffic patterns, insurers are more confident.

Auto Thefts in Cambridge

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

Your Credit Score

Massachusetts is a particular case regarding 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 severe accident. That’s why some companies charge them 2x-3x higher premiums than someone twice their age.

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 reduce your monthly Cambridge, MA, auto insurance rates for speeding tickets and minor accidents. But if you have a DUI or a Reckless Driving citation, be prepared to see your costs increase dramatically.

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 that it will also come with a huge monthly insurance bill. After all, you wouldn’t insure a luxury vehicle with Liability only.

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 rule applies to home or boat insurance, too. If you combine many policies with one provider, they often offer big discounts. When you mix different types of coverage, such as car, home, and boat insurance, you usually save more money on your monthly costs. It is a good way to protect your things without spending too much money.

Your Gender

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

Your Driving Distance to Work

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

Driving less in a 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. On the other hand, business vehicle owners can expect to pay 11% higher premiums.

Your Coverage and Deductibles

If you have a small budget for your insurance premiums, try raising your deductible. The higher your deductible, the lower your monthly premiums will be. This means you can get a basic auto policy for a significantly reduced rate or 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% 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 even more critical than where you work or how much you make yearly.

While Cambridge is essentially a college town, it is perhaps one of the country’s most famous and influential college towns. Everyone knows about Harvard and the Massachusetts Institute of Technology, but the city has lots to offer students 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 and Hult International Business School.

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Comparing the Best Cambridge, MA Auto Insurance

In Cambridge, the insurance scene favors drivers who know the city’s unique pace, from few cars to many walkers and cyclists. People living in this city prefer companies that consider how long you travel, when you use your vehicle, and the student population.

Features such as yearly coverage check-ups, policy dividends, and reduced deductibles give long-term benefits that usual quotes might miss. Get matched with top Cambridge, MA, auto coverage providers when you input your ZIP code into our free comparison quote tool.