Cambridge, MA Car Insurance

The average monthly car insurance rate is $110 in Cambridge. Are you paying too much?

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Car Insurance in Cambridge

Premiums in Cambridge exceed the state average, coming in at $1,329 per year. Compare that to the Massachusetts average of $1,201 and the national average of $1,548. Let’s take a look at how to save on car insurance in Cambridge.  You can also submit your ZIP code above to compare your free personalized auto insurance quotes.


Cambridge Average (yearly)Massachusetts AverageUnited States Average
Jump to insurance rates by:
  1. Age
  2. Violation history
  3. Credit history
  4. Marital Status



Cambridge Car Insurance by Age

Among all age groups, drivers in their 70s have the lowest rates, with rates of $1,058/year. People in their 60s ($1,091) aren’t paying much more. When drivers hit their 20s in Cambridge, therefore moving out of the teenage age bracket, they pay 64% less in premiums. You won't see a bigger change between any other age group. The downward direction continues, as premium prices in Cambridge decrease the older a driver gets. With average car insurance payments of $4,795, teenage drivers have the most expensive rates of any age group.


Age bracketAverage Annual Rate


Learn more about the impact of age on car insurance premiums.


Cambridge Car Insurance by Accident or Violation History

Knowing which driving mishaps can make the price of insurance premiums spike will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Cambridge have rates over double the average for the city of $1,329. Reckless driving will also push your rates up, with average rates of $2,653. That is 100% higher than the city average! The amount of damage caused by an accident plays a part in the degree to which insurance rates will climb. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 4% per year in premiums compared to an accident with damages less than $1,000.

  • DUI: $2,674
  • Reckless Driving: $2,653
  • At-fault Accident (damages less than $1000): $2,184
  • At-fault Accident (damages greater than $2000): $2,282
  • Speeding Ticket (16-20 mph over speed limit): $1,668


Learn more about the impact of driving violations on car insurance rates.


* Credit score, while used in other states, is considered discriminatory in Massachusetts and thus is not used as a rating factor when determining how much you'll pay for auto insurance.

* Cambridge insurance rates aren't affected by either gender or marital status.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.