Cheapest Auto Insurance in Cambridge, Massachusetts (2024)
With monthly liability-only rates as low as $51, Midvale Home & Auto is the cheapest car insurance company in Cambridge.
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Written byAlani Asis
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3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 21, 2024
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Table of contents
If you’re a Cambridge driver, you’re in luck. The average monthly cost of car insurance sits at $104 — lower than the Massachusetts overall average of $174 and the national overall average of $154.
The city’s low population density, compared to other major cities like Boston or Worcester, and the area’s robust public transportation system may partly contribute to its cheaper rates. Fewer people and more public transportation mean fewer drivers on the road. This leads to reduced traffic congestion, lower accident rates, and fewer claims filed.
Here’s what you should know about comparing rates and finding affordable auto coverage in Cambridge.
Quick Facts
Liability-only insurance in Cambridge costs an average of $86 per month, and full-coverage costs an average of $121 per month.
Midvale Home & Auto, Safeco, and Liberty Mutual offer the cheapest coverage to Cambridge drivers.
Since Massachusetts is a no-fault state, drivers must carry personal injury protection (PIP) coverage. Massachusetts drivers are also required to maintain uninsured motorist coverage for bodily injuries.[1]
3 of the cheapest car insurance companies in Cambridge
Three of the cheapest car insurance companies in Cambridge are Travelers, Safeco, and Liberty Mutual. But your personal insurance rates will vary based on your situation and needs. For example, a safe driver will see better rates than a driver with a moving violation like a speeding ticket or an at-fault accident.
Start your search with the insurers in the table below. Rates shown are for the state of Massachusetts.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $79 | N/A | Young drivers |
| Safeco | 8.3 | $206 | $88 | Safe drivers |
| Liberty Mutual | 7.7 | $130 | $79 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for young drivers: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re one of the more than 25,000 Cambridge residents ages 15–24, your car insurance is likely expensive. Fortunately, Travelers may be able to lower insurance costs for young drivers. The company offers several discounts for this age group, like savings for good grades, good driving, and completing a driver training course.
Pros
Wide array of discounts and coverage options
Offers accident forgiveness
Cons
Lowest J.D. Power customer satisfaction rating in New England
Rideshare coverage limited to Colorado and Illinois
Best insurer for safe drivers: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $127/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Massachusetts sits at the top of Insurify’s list of states that experience the most car accidents, with 17.14% of drivers having an at-fault accident. But if you have a clean record, you’ll likely score favorable rates, particularly with Safeco. This Liberty Mutual-owned company has discounts for being a safe driver and having safety features on your car.
Pros
Cash back for claim-free drivers
Many coverage options
Cons
Limited number of discounts
Mixed customer reviews
Best insurer for military members: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
If you’re one of the 45,000 military-affiliated members living in Massachusetts, Liberty Mutual could be a good choice for you. This insurer offers a military discount to active-duty, retired, or reserve service members in the U.S. armed forces.
Pros
Wide range of discounts
Offers accident forgiveness
Cons
Premiums are higher than some competitors
Below-average J.D. Power customer satisfaction rating in New England
How to get the cheapest car insurance in Cambridge
The cost of auto insurance in Cambridge depends on various factors, including your age and gender, driving history, credit score, and chosen coverages.
While most insurance factors are out of your control, you still have ways to lower your insurance costs:[2]
Compare prices. Drivers who shop before their insurance policy is renewed could see savings of around 30%. Use a quote-comparison tool to compare rates in one place and make sure you’re getting the best deal on the coverages you need.
Look for discounts. Insurance companies offer many discounts to reward you with better rates. Check your insurer’s website to find deals you qualify for — you might qualify for more than you’d think.
Enhance your driving skills. Taking a defensive driving course improves your safety on the road. It’ll minimize your chances of getting into an accident and can even score you a discount.
Raise your deductible. The higher your deductible, the lower your monthly premium. Before choosing a deductible, be sure you can pay if you need to file a claim.
Review your coverage. If your insurance policy is unbalanced, you could have an excessive amount of coverage in one area and be underinsured in another. Speak with a licensed insurance agent to see if you have the right coverage amounts for your needs.
Find Cheap Car Insurance in Cambridge
Liability rates start at $51 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Cambridge: Midvale Home & Auto
Liability-only car insurance includes your state’s minimum car insurance requirement. If you’re at fault in an accident, it pays for the injured party’s medical bills and property damage. But it doesn’t cover yours.
In Cambridge, liability car insurance costs $86 per month, on average. Take a look at the average monthly cost of liability insurance with different insurance companies in the table below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $51 |
| Safeco | $65 |
| Liberty Mutual | $79 |
| Travelers | N/A |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cambridge: Travelers
While liability-only car insurance covers the affected driver’s property damage, full coverage takes care of you. Full-coverage insurance protects your vehicle, regardless of fault.
If you commute regularly, live in a “high-risk” area, or own a valuable car, it’s a good idea to carry full-coverage auto insurance. If you have a loan or lease on your car, your lender will probably require you to carry full coverage. This insurance can save you from a financial headache when the unexpected happens.
Full-coverage car insurance costs an average of $121 per month for drivers in Cambridge. Below, you’ll find the average monthly cost of insurance for several insurers in the city.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Travelers | $59 |
| Midvale Home & Auto | $83 |
| Safeco | $119 |
| Liberty Mutual | $130 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cambridge, Massachusetts
Recent Cambridge, Massachusetts car insurance prices for Toyota, Acura, Honda , and more.
*Quotes generated for Insurify users in and around Cambridge, Massachusetts within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cambridge, Massachusetts within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Massachusetts
Massachusetts is a no-fault state. This means that drivers must go through their own insurance company for medical coverage after a car accident, regardless of fault.[3] To satisfy this requirement, drivers must have personal injury protection (PIP) coverage.
The state also requires drivers to carry uninsured motorist coverage for bodily injury. This coverage pays for your and your passenger’s medical expenses if an uninsured driver is at fault in an accident.
Here’s a look at the following minimum-coverage requirements in Massachusetts:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection | $8,000 per accident |
| Uninsured motorist bodily injury coverage | $20,000 per person / $40,000 per accident |
You may want to consider adding the following optional coverages to your policy for more financial protection:
Comprehensive coverage
Comprehensive insurance pays for vehicle repairs or replacement if your vehicle is damaged during a non-collision incident. Examples of covered incidents include severe weather, theft, vandalism, falling objects, and hitting an animal.
Collision coverage
Collision insurance pays for vehicle repairs or replacement if you collide with another vehicle or object, like a fence or mailbox. It kicks in even if you were at fault in an accident.
Gap coverage
Gap insurance covers the difference between the outstanding balance of your loan and the actual cash value if your car is totaled.
Rental car reimbursement coverage
If your vehicle is in the shop for repairs due to a covered event, rental car reimbursement will pay for the cost of your rental.
Cheapest car insurance for drivers with an incident
Driving incidents refer to speeding tickets, at-fault accidents, and more. Since these incidents signal to insurers that you’re more likely to file a claim, drivers with moving violations experience higher rates than drivers with clean records.[4] If you have multiple traffic infractions or a severe violation like driving under the influence (DUI), some companies may refuse to insure you.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Midvale Home & Auto | $51 | $68 | $72 | $79 |
| Safeco | $65 | $87 | $93 | $101 |
| Liberty Mutual | $79 | $105 | $112 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Cambridge, MA
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
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Average cost of car insurance by age
Age has a significant influence on your car insurance premiums. Teen drivers often see the highest rates on their auto policy. Due to their lack of experience on the road and increased risk of reckless driving, this demographic is riskier for companies to insure.
Fortunately, insurance costs tend to wane by age 25 and continue to decrease each year. But senior drivers in their 70s face elevated rates as age-related factors can impair driving abilities.
The table below shows how car insurance rates can change in Cambridge by age group.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $300 |
| 20s | $151 |
| 30s | $112 |
| 40s | $117 |
| 50s | $85 |
| 60s | $87 |
| 70s | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cambridge car insurance FAQs
Check out the additional information below as you shop for car insurance in Cambridge, Massachusetts.
How much is car insurance in Cambridge?
Car insurance in Cambridge costs an average of $86 per month for liability coverage and $121 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Cambridge?
Midvale Home & Auto has the cheapest car insurance in Cambridge, with a monthly liability rate of $51. Safeco and Liberty Mutual also offer affordable liability coverage, with monthly rates of $65 and $79, respectively.
But the cheapest insurance company for you will depend on multiple factors, such as your age, ZIP code, driving record, and chosen coverage levels.
What are the best car insurance companies in Cambridge?
With an IQ Score of 9.0 out of 5, an A++ (Superior) financial strength rating from AM Best, and the lowest full-coverage rates, Travelers is the best car insurance company in Cambridge.
Other top insurers to consider are Liberty Mutual and Midvale Home & Auto.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Massachusetts
Sources
- Mass.gov. "Understanding Auto Insurance."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Background on: No-fault auto insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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