Cambridge Car Insurance

The Zebra
May 30, 2018

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

Ready to start saving?

Location pin icon
Your information is secure.

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.