Home Car insurance Average car insurance cost Car insurance rates by state Massachusetts Cambridge, MA Average car insurance cost in Cambridge, Massachusetts Car insurance costs around $1,845 annually in Cambridge, with State Farm providing the cheapest insurance rate at $811 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: August 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Based on our data, Cambridge drivers pay an average of $1,845 annually for car insurance. It’s $119 more than the Massachusetts state average and $50 less than the national average. Graph Table City average ratesState average ratesNational average cost$1,845$1,726$1,895Powered by: Insurance rates can vary significantly depending on where you live. Factors such as population density and accident and theft rates influence premium costs, making some areas more expensive or affordable than others. Understanding how rates in Cambridge compare to state and national averages can help you spot a good deal, or know when it’s time to shop around. Below, we’ll break down local trends, show how rates vary, and explain how to save.Key TakeawaysOn average, drivers in Cambridge pay around $1,845 per year for car insurance.The most affordable car insurance company is State Farm, with an average annual rate of $811.Young adults in Cambridge can expect to pay about $2,853 annually for full coverage.Cheap car insurance companies in CambridgeState Farm provides the lowest full coverage car insurance rate in Cambridge, with an annual premium of $811 for the liability limits of $100,000 per person, $300,000 per accident and $100,000 for property damage.GEICO also offers cheap full coverage car insurance rates at an average annual cost of $1,101.Every insurance company calculates premiums differently based on its unique underwriting guidelines. This means prices can vary widely, so getting quotes from multiple insurers is one of the best ways to find affordable coverage tailored to you.The table below shows the average annual and monthly car insurance rates for various car insurance companies in Cambridge. Affordable car insurance providers in Cambridge Graph Table Company NameAverage annual costAverage monthly costState Farm$811$68GEICO$1,101$92Plymouth Rock Assurance$1,393$116Safety Insurance$1,759$147Progressive$1,969$164Arbella Insurance$1,997$166Amica$2,144$179Farmers$2,153$179Travelers$2,494$208Allstate$2,941$245USAA*$1,538$128*USAA is only available to military community members and their families.Powered by: Read about the best car insurance companies.Average car insurance cost in Cambridge by coverage limitsHere’s a breakdown of average car insurance rates in Cambridge by coverage type.State minimum coverage: $564 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).Liability only coverage: $725 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).Full coverage: $1,845 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).Non-owners coverage: $477 per yearMost states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.Average car insurance rates by gender in CambridgeIn Cambridge, female drivers pay an average of $1,845 per year for car insurance. In comparison, male drivers pay $1,845 annually, which is equals to what female drivers pay. Most states consider gender when calculating premiums. However, states such as California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania don’t allow insurers to use gender as a rating factor to determine insurance rates.According to the Insurance Information Institute, or Triple-I, women tend to be safer drivers than men and are less likely to be involved in severe accidents. Insurers account for this risk by charging male drivers higher premiums.Read more on how gender affects car insurance rates.Average car insurance rates by age in CambridgeTeen drivers in Cambridge experience the highest insurance rates, paying an average of $5,635 per year or $470 per month.According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $2,782 more than young adults for insurance.With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $2,853 per year – a difference of $2,782 less than compared to teen drivers.Drivers in Cambridge aged 25 to 55 typically pay $1,863 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $1,608.Read more on auto insurance for seniors.Below is a breakdown of average annual full coverage car insurance rates by age group. Car insurance rates by age groups in Cambridge Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$5,635$2,853$1,863$1,608Powered by: Car insurance rate trends in CambridgeFrom 2022 to 2023, drivers in Cambridge experienced an upward trend in car insurance premiums, with average rates increase by 10% or about $172.The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes. How car insurance rates are changing in Cambridge Graph Table 2016 rates2019 rates2022 rates2023 rates$1,246$1,529$1,673$1,845Powered by: How drivers can save on insurance even with higher ratesCar insurance rates in Cambridge are higher than the Massachusetts state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.Sources:Insurance Information Institute. “What determines the price of my auto insurance policy.” Accessed August 2025.Insurance Information Institute. “Auto insurance for teen drivers.” Accessed August 2025.Insurance Information Institute. “Senior driving safety and tips.” Accessed August 2025.MethodologyInsure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your rates may vary. How much is car insurance in other cities?BostonLowellSpringfieldWorcesterShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in CambridgeAverage car insurance cost in Cambridge by coverage limitsAverage car insurance rates by gender in CambridgeAverage car insurance rates by age in CambridgeCar insurance rate trends in CambridgeHow drivers can save on insurance even with higher ratesMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330