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Cheap Car Insurance in Cambridge, Massachusetts

Find cheap car insurance in Cambridge, Mass, a city just across the Charles River from Boston. Best known as the home of Harvard University, the city was named after the University of Cambridge in England. The oldest institution of higher learning in the U.S., Harvard also boasts the nation’s largest academic library and alumni, which includes eight presidents and more than 60 living billionaires. Also located within Cambridge is the Massachusetts Institute of Technology, as well as the American Academy of Arts and Sciences. Part of Middlesex County, Cambridge had an estimated 110,651 residents in 2016. Its two most prestigious universities are also its top employers, followed by the city, Biogen Idec, Novartis Institutes for BioMedical Research and Mount Auburn Hospital.

Driving Conditions in Cambridge

Many of Cambridge’s main thoroughfares radiate outward from Harvard Yard, located in the middle of the city. The street network is somewhat irregular because many of them date back to the Colonial era, connecting various settlements. Eleven bridges provide access to nearby Boston, which is just over three miles away — but locals warn that getting over the river during rush hour can add 20 minutes to one’s commute.

Most residents in Cambridge have only one car, and less than 30 percent drive to work alone. Almost 29 percent take public transit, according to U.S. Census data, and almost 24 percent walk to work. The average commute time for Worcester is just over 23 minutes, shorter than the national average of 26 minutes, according to Census Bureau data. For traffic maps and updates on accidents and construction and to learn about commuting options, visit

Unique Laws in Cambridge

Cambridge city leaders recently adopted restrictions on short-term rentals, requiring property owners who want to rent out space for just a few nights to register with the city by April 2018. They also must live in the same building or an adjacent one. The measure was designed to prevent properties being bought up for the sole purpose of creating rental income.

Since Massachusetts is one of the original 13 colonies, there are plenty of antiquated laws still on the books and many that are just plain odd. For example, Massachusetts laws prevent eating more than three sandwiches at a wake, scaring pigeons, wearing a goatee in public or spitting on the sidewalk. Thankfully, it is illegal for children to buy their own cigarettes. And if you’re going to hold a duel that will be carried out to death on a Sunday, make sure the governor is present, per state law.

Massachusetts also is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving. Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

Cambridge Crime Statistics

Crime rates in Cambridge are lower across the board than the U.S. average.

Data compiled by the Federal Bureau of Investigation for 2016 states there were 294 violent crimes in Cambridge, two of which were murder or manslaughter. The local violent crime rate of 264 offenses per 100,000 residents is below the national average of 386 offenses per 100,000 people.

The property crime rate in Cambridge the same year was 2,133 offenses per 100,000 residents, also below the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 119 vehicles were stolen in 2016, FBI data shows, a rate of 107 incidents per 100,000 residents. This is less than half the national average of 236 incidents per 100,000 people.

Cambridge safety requirements

In Massachusetts, children must ride in a safety seat or booster under they are 8 years old or 57 inches tall. Everyone in the car must wear a seat belt, but seat belt laws in Massachusetts are “secondary,” meaning you can’t get pulled over and ticketed just for not wearing one. Texting while driving and more recently talking on the phone without a hands-free device is illegal.

Cambridge impaired driving laws

Drivers with a blood alcohol concentration of .08 or higher are charged with OUI, or operating under the influence, as it is called in Massachusetts. For minors under 21, that BAC drops to .02. Not that to make an arrest, police don’t need to wait for you to put your car in gear. First offenders get a 180-day license suspension, but there is no minimum jail term required. Ignition interlock devices are required for all drivers who are convicted of a second OUI offense. Regardless of your background or circumstances, it’s not impossible to find cheap car insurance in Cambridge; contact us for rate comparisons.

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Car Insurance Cambridge, Massachusetts Agents

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  • Allston Insurance Agency

    955 Massachusetts Ave
    Cambridge, MA 02139

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    I had Allston Insurance from 2004-2008. They did not get in the way of any claims filed. They were horribly unresposive however and frequently lost paperwork. They are not evil, just incompetent. It took me two months to get them to cancel my auto policy. I am still trying to get my Renter’s policy canceled.

    My advice: Look Elsewhere.

  • H Levenbaum Insurance Agency

    495 Massachusetts Ave
    Cambridge, MA 02139

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    Do not use this office, they are rude and out of control.
    I’ve been using for years because I am dumb. I recently tried to add a motorcycle policy to the thousands of dollars I was spending yearly on my two vehicles and they were completely rude, dismissive, cut me off and generally unhelpful. AFTER YEARS WITH THEM! What a waste, called someone else (Progressive direct in this instance) saved $600/year on my policies and was treated nicely, HAPPY :-).

  • Ralph J Galante Insurance Agency

    1939 Massachusetts Ave
    Cambridge, MA 02140

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    The service was excellent. The employees were very helpful and well informed. I would refer the agency to everyone.

  • Dudley & Borland, Ellis & Andrews Insurance

    30 Brattle St
    Cambridge, MA 02138

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    One gets an insurance agent to look out for your interests and hopefully find you good value. I used them for years and didn’t quesiton whether or not I was getting looked out for. One day, at renewal of my two policies with this company I was quesitoning some pricing. Oh. says the agent. I guess it would make good sense for you to have both policies with the same company. You’d save 10%. I said, why weren’t you already doing this then? Say the agent, “”I only wrote you car insurance policy.”” I didn’t do them both. Which 1. Wasn’t true. and 2. A terrible excuse and she got all hostile at me for even asking. Terrible place that only cares about “”making their commissions for no work on the clients part at all.

  • Brewer & Lord
  • Ponte Insurance Agency
  • Sullivan-twomey Insurance
  • T Edmund Garrity & Company
  • Neil S Lupardo Insurance Agency
  • Samuel J. Foti Insurance Agency
  • Ribeiro-desousa Insurance Agency
  • Central Square Insurance Agency
  • Emery Insurance Agency
  • J Henry Quinn Insurance Agency
  • W T Phelan & Company Insurance Agency

Auto body shops Cambridge, Massachusetts

Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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