For a 40-year-old driver with a clean record, car insurance in Cambridge, MA, averages about $183 a month ($2,194 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Massachusetts average of $182 a month. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Cambridge table, at about $133 a month.
Cambridge costs about the same as the Massachusetts average for our benchmark driver, about $183 a month for full coverage, and of the 16 Massachusetts cities with an InsuranceQuotes guide, only Haverhill ($182) and Newton ($181) cost less. Next door, Somerville averages $202.
All four Cambridge ZIP codes in our data (02138, 02139, 02140 and 02141) are priced the same for our benchmark driver, about $183 a month for full coverage, so there’s no ZIP code table on this page. GEICO’s Cambridge average, about $133 a month, is the lowest insurer average we price in any of the 16 Massachusetts cities with a guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Cambridge ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Cambridge averages $2,194 a year, or about $183 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $847 a year ($71 a month), and 50/100/50 liability with comprehensive and collision averages $2,146 ($179 a month).
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Cambridge table. Using published rate studies, USAA* prices at about $118 a month, below GEICO, but it sells only to military families. Apart from USAA, the published 2026 statewide Massachusetts rate studies we reviewed divide between GEICO and Plymouth Rock for the cheapest full coverage: GEICO ranks first in four of the eight, Plymouth Rock in two, one has them tied and one puts State Farm first. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average among the five major insurers we compared (Arbella, GEICO, Plymouth Rock, Progressive and Safety Insurance), at about $50 a month, followed by Plymouth Rock at $55.
Full-coverage averages by insurer in Cambridge
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $597 | $50 | $1,594 | $133 |
| Plymouth Rock | $659 | $55 | $1,741 | $145 |
| Progressive | $1,027 | $86 | $1,802 | $150 |
| Safety Insurance | $937 | $78 | $2,774 | $231 |
| Arbella | $1,016 | $85 | $3,060 | $255 |
| USAA (military families)* | $656 | $55 | $1,413 | $118 |
| Norfolk & Dedham* | $1,037 | $86 | $2,312 | $193 |
| Amica* | $993 | $83 | $2,416 | $201 |
| Travelers* | $1,353 | $113 | $2,748 | $229 |
| Allstate* | $1,346 | $112 | $3,011 | $251 |
| Cambridge average | $847 | $71 | $2,194 | $183 |
This table uses Cambridge ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $48 a year on average in our Cambridge data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Cambridge ZIP codes, full coverage averaged $2,171 a year nine months earlier and $2,194 in rates as of Aug. 31, 2026, a 1.1% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.1%, led by Plymouth Rock, which raised its liability-only average 7.5%.
Middlesex County averages about $171 a month for full coverage, and Cambridge, about $12 a month higher, is the 10th-most expensive of the 59 Middlesex County places we price. Watertown averages $186, Arlington $165 and Belmont $156, and Brookline, in Norfolk County, $177; across the Charles River, Boston’s Allston and Brighton neighborhoods average $216 and $213.
Cambridge and Somerville are the only two of the 16 guide cities where GEICO alone has the lowest full-coverage average among the five major insurers we compared; Plymouth Rock leads in 12, and GEICO is effectively tied for the lead in Quincy, with Plymouth Rock, and in Newton, with Progressive. Prices depend on where in Massachusetts you live, not just on your car and driving record.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Somerville, about a mile northeast, averages $202 a month, and Boston, about three miles east, $252 across its 24 ZIP codes. Newton, about six miles southwest, averages $181, and Watertown, about four miles west, $186.
Drivers in Cambridge follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Cambridge averages about $183 a month ($2,194 a year) and liability-only coverage at 20/40/5 limits about $71 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Massachusetts average of $182 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Cambridge table, at about $133 a month, with Plymouth Rock close behind at $145. USAA*, which sells only to military families, is priced from published rate studies at about $118 a month, below GEICO. For liability-only coverage at 20/40/5 limits, GEICO has the lowest average, at about $50 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cambridge, for our benchmark driver. Cambridge full coverage averages about $183 a month and Boston about $252, a difference of about $69 a month for the same driver and car.
Yes, in our data. All four Cambridge ZIP codes we price (02138, 02139, 02140 and 02141) average about $183 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
In our Cambridge data, full coverage (100/300/100 with $500 deductibles) averages about $183 a month and liability-only coverage at 20/40/5 limits about $71, a difference of about $112 a month ($1,347 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Massachusetts law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Cambridge full coverage rose 1.1% over the past nine months, from about $2,171 to $2,194 a year. Plymouth Rock raised its average 2.8% and Safety Insurance 2.6%. Liability-only coverage at 20/40/5 limits rose 1.1%.
For our benchmark driver, full coverage in Cambridge averages about $183 a month. Nearby, Somerville averages about $202, Boston about $252 and Newton about $181. Newton is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
