Cambridge

Your Guide to Buying Car Insurance in Cambridge, MA

Find the right car insurance policy for you.

There are over 4.5 million licensed drivers in Massachusetts. While close to 24% of the Cambridge population walks to work, many are consistently renewing Cambridge, MA car insurance policies or looking to switch providers. Finding the right policy can feel overwhelming. Fortunately, there’s an easier way to get the coverage you need and get back on the road.

When you work with a Trusted Choice® member agent, you receive access to policies from multiple companies and can choose between the most affordable Cambridge auto insurance quotes. Trusted Choice member agents work independently so they have multiple insurance policies, unlike "captive agents" who can only quote from one source. Contact an agent today to get started.

Massachusetts Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: required
  • Minimum liability limits: 20/40/5
    • Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $5,000 coverage for property damage

These are the legal requirements in Massachussetts for minimum car insurance coverage. Drivers caught without the required insurance face fines of $500 to $5,000 and possible jail time of up to one year.

Why Do You Need Cambridge Car Insurance?

It’s essential to your financial stability to have car insurance. In fact, almost all states in the US require that you have a minimum amount of insurance or at least prove yourself financially capable of paying for damages. Massachusetts is no different. Even the minimum legal limits may not be enough to protect you in the event of a serious crash.  

Massachusetts does set itself apart from many states in one way: It’s a no-fault insurance state, which means that no matter who causes an accident, each insurance company is required to pay for medical expenses and lost wages. The theory behind this form of insurance is that by avoiding expensive lawsuits, individuals will save on Cambridge car insurance policies.

How Much Does Cambridge Car Insurance Cost?

  • National average cost per year: $1,311
  • Massachusetts average cost per year: $1,460
  • 16th most expensive premiums in the US

Premiums costs in Massachussetts are considerably above the national average, but keep in mind that's an estimate of how much you might pay. It can be hard to pinpoint an exact price range for your auto insurance because premiums are based on a variety of factors. Things like driving history, your geographic location and the make and model of your car are all taken into consideration when you apply for or renew a vehicle policy.

Skimping on insurance can seem like an easy way to save money, but less coverage can cost you more in an accident. Even a fender bender can end up costing you thousands of dollars depending on physical and medical damage to you or the other driver.  

If you’re on the lookout for more affordable insurance, consider contacting a Trusted Choice member agent. Your agent can compare multiple Cambridge auto insurance quotes to find one that fits within your budget while still providing the protection you need.

Cambridge Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Massachussetts uninsured motorists: 3.9%
  • Massachussetts average vehicle repair cost: $2,396

The number of uninsured drivers in Massahussetts is significantly higher than the national average, so the state-mandated uninsured motorist coverage is very important. Drivers who are at fault in an accident are still responsible for any damage or injuries they cause, whether or not they have insurance. However, it can be very difficult to collect money from individuals without insurance. Uninsured motorist coverage will allow you to collect money from your insurer to cover your costs, and your insurance company will collect from the liable driver.

Car Theft in Cambridge, Massachussetts

  • National  vehicle thefts (per 1,000 registered vehicles): 2.94
  • Massachussetts  vehicle thefts (per 1,000 registered vehicles): 1.91

The car theft rate in Massachussetss is well above the national rate. A comprehensive Cambridge car insurance policy will provide reimbursement for losses due to theft or vandalism to your car. It will also protect you from losses due to falling objects, weather-related events, floods and fires.

There are also ways to decrease the risk of auto theft. You should always lock your car and park in secure or well-lighted areas whenever possible. Anti-theft devices and GPS can also help.

Why Work With a Trusted Choice Independent Agent?

Members of the Trusted Choice network are independent agents who have signed a Pledge of Performance and are committed to serving the unique needs of each customer. Do you need extra liability? A Trusted Choice member agent can help you find the right umbrella policy. Are you looking for coverage that includes trailers? With an independent agent in the Trusted Choice network, you can get all your insurance needs met in one place.

Rather than spending your valuable time comparing quotes and policies from multiple insurance companies, contact a local independent agent in the Trusted Choice network. It only takes a few moments to find an independent agent right in your area.

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