Best Cambridge, MA Auto Insurance in 2024 (Check Out the Top 10 Companies)

Geico, Amica, and Travelers are the best Cambridge, MA auto insurance providers with the most affordable rate beginning at $38 per month for comprehensive coverage.

Read more below to compare different full range of auto insurance coverage options provided by top rated insurance providers like Progressive and Liberty Mutual.

Our Top 10 Company Picks: Best Cambridge, MA Auto Insurance

Explore more through our guide to find out what other factors aside from driving history, credit score, and type of vehicle may also affect your insurance premiums. Enter your ZIP code now to begin comparing rates.

#1 – Geico: Top Overall Pick

Pros

• Budget-Friendly Premiums: It offers some of the most affordable rates in the area, making it ideal for cost-conscious drivers in Cambridge, Massachusetts.
• Easy Online Management: Highly efficient digital tools simplify insurance tasks for busy Cambridge residents. For additional details, refer to our Geico auto insurance review.
• Exclusive Savings Programs: Special discounts are available for diverse Cambridge community groups, such as federal employees and military personnel.

Cons

• Limited Face-to-Face Help: The lack of many local agents in Cambridge could be a downside for those who prefer in-person assistance.
• Fewer Comprehensive Options: These options may not fully cover the needs of drivers with newer or luxury vehicles common in a historic, upscale area like Cambridge.

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#2 – Amica: Best for Customer Service

Pros

• Customer-Centric Service: It is recognized for top-tier service, making it a dependable choice for Cambridge drivers seeking peace of mind.
• Refund Benefits: Dividend policy refunds can appeal to financially savvy individuals in this highly educated city, Cambridge, Massachusetts.
• Robust Coverage Choices: Gap insurance and other add-ons align with the needs of those protecting valuable vehicles in urban settings like in Cambridge.

Cons

• Pricey Policies: Premiums can feel steep compared to more local budget-friendly options. Read our Amica auto insurance review for details.
• Fewer Discounts: Limited savings opportunities may not suit residents looking to maximize value in an expensive area.

#3 – Travelers: Best for Discount Options

Pros

• Wide Range of Discounts: Offers savings opportunities tailored to environmentally conscious Cambridge drivers, such as hybrid vehicle discounts.
• Flexible Policy Customization: Adaptable plans are ideal for meeting the varied needs of the city’s diverse population.
• Attractive Bundling Options: Residents with homes in this competitive real estate market can save by combining auto and home insurance.

Cons

• Average Claims Support: Claims process satisfaction may fall short for residents used to premium services. To understand more, have a look at our Travelers auto insurance review.
• Premiums for Young Drivers: Higher rates may discourage Cambridge’s student population from choosing this provider.

#4 – State Farm: Best for Good Student

Pros

• Financial Security: A reliable option for drivers in Cambridge seeking stability from a well-established insurer.
• Student Discounts: Perfect for the city’s large college population, offering incentives for good grades.
• Local Agent Network: Many representatives ensure Cambridge residents have personalized guidance.

Cons

• Digital Shortcomings: Lacks the advanced tech features that many tech-savvy Cambridge residents might expect.
• Urban Pricing Challenges: Rates may not be as competitive in densely populated neighborhoods. Check out our State Farm auto insurance review to learn more.

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#5 – Nationwide: Best for Deductible Options

Pros

• Lower Costs Over Time: The vanishing deductible rewards Cambridge drivers for maintaining safe habits on busy streets.
• Streamlined Mobile Experience: Its advanced app caters to professionals and students needing quick, on-the-go service.
• Diverse Add-On Choices: Coverage like accident forgiveness suits drivers navigating urban traffic.

Cons

• Average Affordability: Rates may not be as budget-friendly as competitors in Cambridge. Browse our Nationwide auto insurance review to gain more information.
• Local Access Issues: Fewer in-person agents could be inconvenient for drivers preferring a hands-on approach.

#6 – Progressive: Best for Budgeting Tools

Pros

• Technology-Based Savings: Usage-based discounts appeal to Cambridge’s tech-forward population.
• Budgeting Assistance: Cost comparison tools help residents find the best deals in this expensive area, Cambridge, Massachusetts.
• Options for Riskier Drivers: Great for drivers in Cambridge, Massachusetts with a history of violations.

Cons

• Claims Experience: The process might not meet the high expectations of urban drivers. Explore our Progressive auto insurance review for more details.
• Limited Agent Network: We may not have enough people in the city to provide in-person help.

#7 – Auto-Owners: Best for Client Centric

Pros

• Tailored Customer Focus: Prioritizes the needs of Cambridge residents with highly personalized services.
• Financially Reliable: A solid choice for those seeking long-term coverage in the city.
• Local Service Approach: Agents emphasize community-oriented service for Cambridge’s diverse clientele.

Cons

• Not Widely Available: Residents may find availability limited in Massachusetts. Read our Auto-Owners auto insurance review for details.
• Lacks Advanced Features: Digital tools lag behind competitors in this tech-savvy city, Cambridge, Massachusetts.

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#8 – Farmers: Best for Policy Options

Pros

• Flexible Plan Options: Customizable coverage meets the needs of Cambridge’s mix of student and professional drivers.
• Valuable Discounts: Bundling policies can benefit families and professionals in the city.
• Specialized Add-Ons: Rideshare coverage supports Cambridge’s Uber and Lyft drivers.

Cons

• Costlier Policies: Premiums may not appeal to budget-conscious residents.
• Inconsistent Coverage: Benefits and rates can vary within the state. Read our Farmers auto insurance review to learn more.

#9 – Liberty Mutual: Best for Unique Benefits

Pros

• Exclusive Benefits: Perks like new car replacements attract drivers with newer vehicles in Cambridge.
• Digital Convenience: Advanced tools help manage policies for residents with busy lifestyles.
• Customization Potential: Diverse policy options align with the area’s diverse demographic.

Cons

• Higher Pricing: Premiums can strain budgets, especially for younger drivers in Cambridge. Read our Liberty Mutual auto insurance review for more details.
• Mixed Claims Feedback: Inconsistent service can frustrate city residents who are expecting reliable support.

#10 – Allstate: Best for Drivewise Program

Pros

• Rewards for Safe Driving: The Drivewise program is ideal for mindful Cambridge commuters.
• Extensive Add-Ons: Accident forgiveness and other options ensure comprehensive coverage for varied needs.
• Broad Agent Network: Finding local agents for in-person guidance is easy. Visit our Allstate auto insurance review to get the full scoop.

Cons

• Premium Costs: It can be expensive for budget-conscious Cambridge residents.
• Limited Discounts: Offers fewer savings opportunities compared to competitors.

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Massachusetts Auto Insurance Coverage Guidelines

The state minimum requirements for older and less expensive vehicles are perfectly adequate. However, when comparing auto insurance companies, it’s essential to consider that newer cars—especially if you’re still financing them—require more comprehensive policies to ensure adequate protection.

Cambridge, MA Auto Insurance Monthly Rates by Provider & Coverage Level

While the average motorist in Massachusetts pays around $134 per month for insurance, living in Cambridge could mean significant savings. Insurance companies in your area are currently offering good policies for as little as $60/month, making it possible to reduce your insurance costs.

Encompass, National Grange Mutual, and Allstate are offering some of Cambridge’s best automobile insurance deals right now. But don’t just switch to the lower rate – make sure they give you a positive customer experience, too.

Auto Insurance Discounts From the Top Providers in Cambridge, MA

Cambridge, MA, auto insurance companies evaluate different factors when predicting your insurance quote, which includes your marital status, where you live, occupation, driving distance to work, and theft protection devices.

Cambridge, MA Report Card: Auto Insurance Premiums

Also, keep in mind that premiums will change from company to company. To verify you’re still being charged the cheapest rate, use this page to compare cheap Cambridge auto insurance quotes online. Enter your ZIP code now to begin.

Critical Considerations for Affordable Car Insurance in Cambridge, MA

There is a range of numerous items that may factor into the rate quotes you are provided with. Even though several of these details aren’t something you can do something about, a few of them are things you can change for the better.

Here are a few things that might alter how much car insurance premiums might cost for you:

Your ZIP Code

The most affordable auto insurance is commonly found in those cities with the lowest population density.

Cambridge, MA Auto Insurance Monthly Rates by ZIP Code

Since fewer cars are traveling the road at any given time, it is less likely you will have an opportunity to become involved in a major traffic accident. The population of Cambridge is 107,289, and the median household income is $75,137.

Automotive Accidents

Judging by the chart below, Cambridge is a safe driving place. And that’s good news for your monthly premiums.

Fatal Accidents in Cambridge, MA

The safer your city is, the more likely a company will offer lower rates to drivers living there.

Auto Thefts in Cambridge

Auto theft can still be an issue, even in smaller cities or non-urban towns. To make it less of a problem, consider investing in a passive anti-theft system on your car. Your auto insurance provider may compensate you with reduced rates! In Cambridge, there were 104 auto thefts in the year 2013.

Your Credit Score

Massachusetts is a particular case regarding automotive insurance and credit scores. There are three states where it is illegal for insurance companies to discriminate based on your credit, and Massachusetts is one of them. Although this can save you some serious cash if you have terrible credit, overall, Massachusetts insurance rates will cost more to offset the insurance company’s financial risk.

Your Age

Young drivers face a particularly harrowing burden when paying for their first auto insurance policy. Because of their inexperience, they are significantly more likely to get into a severe accident.

Cambridge, MA Auto Insurance Monthly Rates by Age

That’s why some companies charge them 2x-3x higher premiums than someone twice their age.

Your Driving Record

For motorists with a few blemishes on their driving record, you can lower your monthly premiums by looking for a provider with an “Accident Forgiveness” program.

Cambridge, MA Auto Insurance Monthly Rates by Driving Record

Such discounts can reduce your monthly Cambridge, MA, auto insurance rates for speeding tickets and minor accidents. But if you have a DUI or a Reckless Driving citation, be prepared to see your costs increase dramatically.

Your Vehicle

Some drivers, especially those with an older or less expensive vehicle, can get away with the bare minimum insurance coverage. However, before you rush out to purchase a luxury vehicle for yourself, consider that it will also come with a huge monthly insurance bill.

Cambridge, MA Auto Insurance Monthly Rates by Provider & Vehicle

After all, you wouldn’t insure a luxury vehicle with Liability only, would you? Enter your ZIP code now to begin.

Minor Details Affecting Cheap Auto Insurance in Cambridge, Massachusetts

Of all the factors that might raise your monthly insurance bill, the following are sometimes less influential: the type of car you drive, whether you’ve taken a defensive driving course, or how closely your coverage aligns with the minimum car insurance requirements in your state.

Your Marital Status

As an individual, being married won’t get you very significant discounts on automotive insurance. However, bundling multiple policies with your spouse will drastically lower your monthly rate. This is also true for homeowner’s or boat insurance – the more policies you bundle, the more you can save.

Your Gender

These days, fewer companies charge different rates based on gender. Many significant providers charge the same, all other attributes being equal. Even if your provider does alter premiums based on gender, they are unlikely to waver by more than 2-3%.

Your Driving Distance to Work

If you prefer to drive your own car, you may have some difficulty getting around in Cambridge. The general commute to work can last anywhere from 18 to 31 minutes. This likely explains why alternative forms of transportation are so popular in Cambridge; only about 35% of people drive their vehicle, 25% walk, 20% take the subway, and 7% take a bus or carpool.

 

Driving less in a city like Cambridge would save you a ton on monthly premiums – but you’d be off by quite a bit. Even infrequent drivers may only save 3-4% on their monthly costs. On the other hand, business vehicle owners can expect to pay 11% higher premiums.

Your Coverage and Deductibles

If you have a small budget for your insurance premiums, try raising your deductible. The higher your deductible, the lower your monthly premiums will be. This means you can get a basic auto policy for a significantly reduced rate or better coverage for relatively affordable Cambridge, MA, auto insurance.

Education in Cambridge, MA

It should come as no surprise that the residents of Cambridge are well-educated. Over one-quarter of citizens possess a bachelor’s degree, while nearly 20% possess a master’s.

And the higher your education, the lower your auto insurance costs because providers often give lower rates to well-educated drivers. It’s even more critical than where you work or how much you make yearly.

While Cambridge is essentially a college town, it is perhaps one of the country’s most famous and influential college towns. Everyone knows about Harvard and the Massachusetts Institute of Technology, but the city has lots to offer students looking to supplement their education in other ways.

For instance, there are two noteworthy culinary arts schools, Le Cordon Bleu and the Cambridge School of Culinary Arts. There is also the Longy School of Music and Hult International Business School.

Cambridge drivers have excellent auto insurance options tailored to various needs. Geico offers budget-friendly rates, Amica provides top-tier service, and Travelers excels in discounts. With competitive pricing and coverage options, it’s essential to compare quotes and customize a plan that fits your lifestyle and budget. Enter your ZIP code to start exploring affordable options today.