Car Insurance in Cambridge
Premiums in Cambridge exceed the state average by 11%, which is why the city is known for its pricey premiums. Let’s take a look at how to save on car insurance in Cambridge.
- City Average: $1,329
- State Average: $1,201
- National Average: $1,427
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.
- Teenagers: $4,795
- 20s: $1,710
- 30s: $1,280
- 40s: $1,235
- 50s: $1,191
- 60s: $1,091
- 70s: $1,058
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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
* 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.