- Average Cambridge car insurance cost is $2,462 per year for a full coverage policy. Average cost per month is around $205.
- Cambridge auto insurance costs $214 per year less than the Massachusetts state average and $186 per year more than the average rate for all 50 U.S. states.
- Car insurance rates for a few popular vehicles in Cambridge include the Ford Explorer at $2,238 per year, Honda Accord at $2,380, and Toyota Highlander at $2,240.
- Compact crossovers like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Ford Bronco Sport have the best chance of getting cheap car insurance in Cambridge.
How much does car insurance cost in Cambridge?
Cambridge car insurance costs an average of $2,462 per year, which is 7.9% more than the U.S. average rate of $2,276. The average cost per month for car insurance in Cambridge is $205 for full coverage.
In the state of Massachusetts, the average car insurance expense is $2,676 per year, so the cost in Cambridge averages $214 less per year. The average cost of auto insurance in Cambridge compared to other Massachusetts cities is approximately $76 per year less than in Lowell, $188 per year cheaper than in Boston, and $430 per year cheaper than in Springfield.
The age of the driver has a significant impact the price of auto insurance, so the list below illustrates this point by breaking down average car insurance rates for driver ages 16 through 60.
Average cost of car insurance in Cambridge, Massachusetts, for drivers age 16 to 60
- 16-year-old driver – $8,781 per year or $732 per month
- 17-year-old driver – $8,508 per year or $709 per month
- 18-year-old driver – $7,622 per year or $635 per month
- 19-year-old driver – $6,940 per year or $578 per month
- 20-year-old driver – $4,960 per year or $413 per month
- 30-year-old driver – $2,632 per year or $219 per month
- 40-year-old driver – $2,462 per year or $205 per month
- 50-year-old driver – $2,186 per year or $182 per month
- 60-year-old driver – $2,046 per year or $171 per month
The chart below summarizes average auto insurance cost in Cambridge, Massachusetts, broken out for a number of different driver ages, policy deductibles, and potential risk scenarios. Rates are averaged for all 2024 vehicle models including luxury models.
The average cost of car insurance per month in Cambridge is $205, with prices ranging from $171 to $472 for drivers age 20 to 60 with the assigned risk profiles in the chart above.
Popular vehicles and the cost to insure them
The previous car insurance rates in this article are averaged for all 2024 vehicle models, which is useful when making overall comparisons such as the difference in average auto insurance cost between two Massachusetts cities.
Average auto insurance rates work very well when answering questions like “are Cambridge car insurance rates cheaper than in Worcester?” or “is car insurance cheaper in Massachusetts or Arizona?”.
But for more comprehensive price comparisons, it makes better sense to compare rates for the specific model of vehicle being insured. Each make and model has a slightly different risk profile for physical damage and liability claims, and this data allows for more detailed cost comparisons.
The next list displays both annual and monthly car insurance rates for some of the more popular models that you will find driving around Cambridge. Later, there is a section that examines additional factors that affect the cost of insuring some of these models in more detail.
Average car insurance cost for popular vehicles in Cambridge
- Ford Explorer – $2,238 per year or $187 per month
- Honda Accord – $2,380 per year or $198 per month
- Toyota Highlander – $2,240 per year or $187 per month
- Subaru Outback – $2,098 per year or $175 per month
- GMC Sierra – $2,720 per year or $227 per month
- Chevrolet Silverado – $2,724 per year or $227 per month
- Jeep Grand Cherokee – $2,462 per year or $205 per month
- Toyota Corolla – $2,402 per year or $200 per month
- Ram Truck – $2,850 per year or $238 per month
- Honda Civic – $2,184 per year or $182 per month
Vehicles that are popular in Cambridge tend to be compact or midsize sedans like the Hyundai Elantra, Honda Civic, and Toyota Camry and compact or midsize SUVs like the Honda CR-V, Nissan Rogue, and Subaru Outback.
Other popular vehicles from other vehicle segments include luxury SUVs like the Cadillac XT5 and Acura MDX, luxury cars like the Acura ILX and BMW 530i, and pickup trucks like the Toyota Tacoma and Chevy Silverado.
We will get into rates in much more detail coming up in the article, but before that, let’s review the concepts that we have covered in the data above.
- Cambridge car insurance rates are cheaper than the Massachusetts state average – $2,462 (Cambridge average) compared to $2,676 (Massachusetts average)
- Car insurance is cheaper as you age – Average rates for a 40-year-old driver in Cambridge are $2,498 per year cheaper than for a 20-year-old driver.
- Teenage female drivers pay lower rates than teen males – Teen females (age 16 to 19) pay $1,071 to $582 less per year than male drivers of the same age.
- Cost per month ranges from $171 to $732 – That is the average car insurance cost range for drivers age 16 to 60 in Cambridge.
- Lower deductible auto insurance is more expensive than high deductible – A 20-year-old driver pays an average of $1,330 more per year for $250 deductibles versus $1,000 deductibles.
- Cambridge, MA, average car insurance cost is more than the U.S. average – $2,462 (Cambridge average) compared to $2,276 (U.S. average)
What are the cheapest vehicles to insure in Cambridge?
When comparing all 2024 makes and models, the models with the most affordable auto insurance quotes in Cambridge, MA, tend to be small SUVs like the Subaru Crosstrek, Kia Soul, Hyundai Venue, and Nissan Kicks. Average auto insurance rates for those crossover SUVs cost $167 or less per month for full coverage car insurance.
A few other vehicles that rank in the top 20 in the cost comparison table are the Volkswagen Taos, Honda CR-V, Ford Bronco Sport, and Toyota GR Corolla.
Average rates are a few dollars per month higher for those models than the crossover SUVs that rank at the top, but they still have an average cost of $2,140 or less per year ($178 per month) in Cambridge.
The next table details the 50 models with the cheapest car insurance in Cambridge, ordered by cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,818 | $152 |
| 2 | Chevrolet Trailblazer | $1,852 | $154 |
| 3 | Kia Soul | $1,924 | $160 |
| 4 | Nissan Kicks | $1,940 | $162 |
| 5 | Honda Passport | $1,964 | $164 |
| 6 | Buick Envision | $1,974 | $165 |
| 7 | Toyota Corolla Cross | $1,988 | $166 |
| 8 | Hyundai Venue | $2,000 | $167 |
| 9 | Mazda CX-5 | $2,010 | $168 |
| 10 | Ford Bronco Sport | $2,020 | $168 |
| 11 | Volkswagen Tiguan | $2,038 | $170 |
| 12 | Acura RDX | $2,060 | $172 |
| 13 | Nissan Murano | $2,072 | $173 |
| 14 | Buick Encore | $2,094 | $175 |
| 15 | Subaru Outback | $2,098 | $175 |
| 16 | Honda CR-V | $2,102 | $175 |
| 17 | Buick Envista | $2,106 | $176 |
| 18 | Volkswagen Taos | $2,112 | $176 |
| 19 | Kia Niro | $2,122 | $177 |
| 20 | Toyota GR Corolla | $2,140 | $178 |
| 21 | Honda HR-V | $2,144 | $179 |
| 22 | Subaru Ascent | $2,146 | $179 |
| 23 | Nissan Leaf | $2,158 | $180 |
| 24 | Chevrolet Colorado | $2,172 | $181 |
| 25 | Lexus NX 250 | $2,182 | $182 |
| 26 | Honda Civic | $2,184 | $182 |
| 27 | Volkswagen Atlas | $2,184 | $182 |
| 28 | Subaru Forester | $2,192 | $183 |
| 29 | Acura Integra | $2,194 | $183 |
| 30 | Volkswagen Atlas Cross Sport | $2,194 | $183 |
| 31 | Kia Seltos | $2,202 | $184 |
| 32 | GMC Terrain | $2,208 | $184 |
| 33 | Nissan Rogue | $2,214 | $185 |
| 34 | Hyundai Kona | $2,218 | $185 |
| 35 | Mazda CX-30 | $2,222 | $185 |
| 36 | Cadillac XT4 | $2,226 | $186 |
| 37 | Volkswagen ID4 | $2,236 | $186 |
| 38 | Ford Explorer | $2,238 | $187 |
| 39 | Toyota Highlander | $2,240 | $187 |
| 40 | Ford Escape | $2,248 | $187 |
| 41 | Toyota Venza | $2,248 | $187 |
| 42 | Honda Odyssey | $2,252 | $188 |
| 43 | Nissan Sentra | $2,258 | $188 |
| 44 | Subaru Impreza | $2,264 | $189 |
| 45 | Chevrolet Equinox | $2,270 | $189 |
| 46 | Toyota RAV4 | $2,276 | $190 |
| 47 | Mazda MX-5 Miata | $2,282 | $190 |
| 48 | Mazda MX-30 | $2,288 | $191 |
| 49 | Hyundai Tucson | $2,292 | $191 |
| 50 | Chevrolet Traverse | $2,300 | $192 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
A list of 50 of the cheapest vehicles to insure in Cambridge serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more useful way to group and rank auto insurance rates in a coherent manner is by sorting them by the segment they belong to. The next six sections rank the top 20 vehicles with the cheapest car insurance rates for the most popular vehicle segments.
Cars with the cheapest auto insurance in Cambridge
The top-ranked vehicle in Cambridge for cheapest average insurance rates in the non-luxury two and four door car segment is the Toyota GR Corolla, at an average of $2,140 per year. Second place is the Nissan Leaf costing $2,158 per year, coming in third is the Honda Civic, costing an average of $2,184 per year, and the fourth cheapest is the Nissan Sentra, at an average of $2,258 per year.
Additional models that have cheaper rates include the Honda Accord, Kia K5, Toyota Corolla, and Chevrolet Malibu, with average annual insurance rates of $2,402 per year or less.
On a monthly basis, full-coverage auto insurance in Cambridge on this segment starts at an average of $178 per month, depending on where you live and the company you use.
When the car segment is analyzed by vehicle size, the most budget-friendly compact car to insure in Cambridge is the Toyota GR Corolla at $2,140 per year, or $178 per month. For midsize 2024 models, the Kia K5 has the cheapest rates at $2,374 per year, or $198 per month. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,348 per year, or $196 per month.
The rate comparison table below ranks the twenty cars with the cheapest average insurance rates in Cambridge, starting with the Toyota GR Corolla at $2,140 per year and ending with the Mazda 3 at $2,548 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,140 | $178 |
| Nissan Leaf | Compact | $2,158 | $180 |
| Honda Civic | Compact | $2,184 | $182 |
| Nissan Sentra | Compact | $2,258 | $188 |
| Subaru Impreza | Compact | $2,264 | $189 |
| Toyota Prius | Compact | $2,304 | $192 |
| Kia K5 | Midsize | $2,374 | $198 |
| Honda Accord | Midsize | $2,380 | $198 |
| Chevrolet Malibu | Midsize | $2,390 | $199 |
| Toyota Corolla | Compact | $2,402 | $200 |
| Kia Forte | Compact | $2,406 | $201 |
| Volkswagen Arteon | Midsize | $2,420 | $202 |
| Nissan Versa | Compact | $2,430 | $203 |
| Subaru Legacy | Midsize | $2,430 | $203 |
| Hyundai Ioniq 6 | Midsize | $2,454 | $205 |
| Mitsubishi Mirage G4 | Compact | $2,488 | $207 |
| Volkswagen Jetta | Compact | $2,494 | $208 |
| Toyota Crown | Midsize | $2,496 | $208 |
| Hyundai Sonata | Midsize | $2,500 | $208 |
| Mazda 3 | Compact | $2,548 | $212 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance cost for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Cambridge car insurance quotes from top-rated auto insurance companies in Massachusetts.
Non-luxury SUVs with cheap car insurance rates
The Subaru Crosstrek comes in at #1 as the cheapest SUV to insure in Cambridge, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $1,818 per year for a full-coverage insurance policy.
Not the cheapest SUVs to insure, but still very reasonable, are models like the Ford Bronco Sport, Buick Envision, Hyundai Venue, and Toyota Corolla Cross, with an average car insurance cost of $2,020 per year or less.
Car insurance rates for this segment in Cambridge for a safe driver starts at around $152 per month, depending on where you live and the company you use. The next table ranks the twenty SUVs with the lowest-cost average auto insurance rates in Cambridge, starting with the Subaru Crosstrek at $1,818 per year and ending with the Subaru Ascent at $2,146 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,818 | $152 |
| Chevrolet Trailblazer | Compact | $1,852 | $154 |
| Kia Soul | Compact | $1,924 | $160 |
| Nissan Kicks | Compact | $1,940 | $162 |
| Honda Passport | Midsize | $1,964 | $164 |
| Buick Envision | Compact | $1,974 | $165 |
| Toyota Corolla Cross | Compact | $1,988 | $166 |
| Hyundai Venue | Compact | $2,000 | $167 |
| Mazda CX-5 | Compact | $2,010 | $168 |
| Ford Bronco Sport | Compact | $2,020 | $168 |
| Volkswagen Tiguan | Compact | $2,038 | $170 |
| Nissan Murano | Midsize | $2,072 | $173 |
| Buick Encore | Compact | $2,094 | $175 |
| Subaru Outback | Midsize | $2,098 | $175 |
| Honda CR-V | Compact | $2,102 | $175 |
| Buick Envista | Midsize | $2,106 | $176 |
| Volkswagen Taos | Compact | $2,112 | $176 |
| Kia Niro | Compact | $2,122 | $177 |
| Honda HR-V | Compact | $2,144 | $179 |
| Subaru Ascent | Midsize | $2,146 | $179 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Need rates for a different SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Cambridge car insurance quotes from top auto insurance companies in Massachusetts.
Cheapest sports car insurance rates in Cambridge
Ranking highest for the cheapest Cambridge auto insurance rates in the sports car and performance segment are the Subaru WRX, BMW Z4, Toyota GR86, Mazda MX-5 Miata, and Ford Mustang. Auto insurance prices for these models average $230 or less per month.
Additional sports cars that are affordable to insure are the BMW M2, Subaru BRZ, Lexus RC F, and Nissan Z, with an average cost of $2,948 per year or less.
From a monthly standpoint, full-coverage auto insurance in Cambridge on this segment for the average driver will start around $190 per month, depending on the company and where you live. The rate comparison table below ranks the twenty sports cars with the most affordable auto insurance rates in Cambridge, starting with the Mazda MX-5 Miata at $190 per month and ending with the Porsche Taycan at $348 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,282 | $190 |
| Toyota GR86 | Sports Car | $2,598 | $217 |
| Ford Mustang | Sports Car | $2,710 | $226 |
| BMW Z4 | Sports Car | $2,722 | $227 |
| Subaru WRX | Sports Car | $2,762 | $230 |
| Toyota GR Supra | Sports Car | $2,768 | $231 |
| BMW M2 | Sports Car | $2,848 | $237 |
| Nissan Z | Sports Car | $2,854 | $238 |
| Lexus RC F | Sports Car | $2,914 | $243 |
| Subaru BRZ | Sports Car | $2,948 | $246 |
| BMW M3 | Sports Car | $3,112 | $259 |
| Porsche 718 | Sports Car | $3,174 | $265 |
| Chevrolet Camaro | Sports Car | $3,204 | $267 |
| Chevrolet Corvette | Sports Car | $3,416 | $285 |
| Porsche 911 | Sports Car | $3,530 | $294 |
| BMW M4 | Sports Car | $3,678 | $307 |
| Lexus LC 500 | Sports Car | $3,696 | $308 |
| Jaguar F-Type | Sports Car | $3,888 | $324 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,080 | $340 |
| Porsche Taycan | Sports Car | $4,174 | $348 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
Don’t see your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Massachusetts.
Cheap pickups to insure in Cambridge
The four highest ranking pickups with the cheapest insurance in Cambridge are the Chevrolet Colorado at $2,172 per year, Nissan Titan at $2,304 per year, Nissan Frontier at $2,332 per year, and Ford Ranger at $2,354 per year.
Not the cheapest in the list, but still ranking well, are models like the GMC Sierra 2500 HD, Toyota Tacoma, Hyundai Santa Cruz, and Honda Ridgeline, with average rates of $2,534 per year or less.
Auto insurance rates in Cambridge for this segment starts at around $181 per month, depending on your location and insurance company.
The next table ranks the pickups with the cheapest average auto insurance rates in Cambridge, starting with the Chevrolet Colorado at $2,172 per year ($181 per month) and ending with the Ram Truck at $2,850 per year ($238 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,172 | $181 |
| Nissan Titan | Full-size | $2,304 | $192 |
| Nissan Frontier | Midsize | $2,332 | $194 |
| Ford Ranger | Midsize | $2,354 | $196 |
| Ford Maverick | Midsize | $2,390 | $199 |
| Honda Ridgeline | Midsize | $2,444 | $204 |
| Hyundai Santa Cruz | Midsize | $2,488 | $207 |
| Toyota Tacoma | Midsize | $2,496 | $208 |
| GMC Sierra 2500 HD | Heavy Duty | $2,506 | $209 |
| GMC Canyon | Midsize | $2,534 | $211 |
| Jeep Gladiator | Midsize | $2,598 | $217 |
| GMC Sierra 3500 | Heavy Duty | $2,612 | $218 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,634 | $220 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,704 | $225 |
| GMC Sierra | Full-size | $2,720 | $227 |
| Chevrolet Silverado | Full-size | $2,724 | $227 |
| Nissan Titan XD | Heavy Duty | $2,724 | $227 |
| Ford F150 | Full-size | $2,758 | $230 |
| GMC Hummer EV Pickup | Full-size | $2,828 | $236 |
| Ram Truck | Full-size | $2,850 | $238 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see your pickup model? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Cambridge car insurance quotes from top companies in Massachusetts.
Luxury cars with the best auto insurance rates
The four most affordable luxury car models to insure in Cambridge are the Acura Integra at $2,194 per year, BMW 330i at $2,510 per year, Mercedes-Benz CLA250 at $2,536 per year, and Lexus IS 300 at $2,540 per year.
Additional luxury cars that have good average insurance rates are the Mercedes-Benz AMG CLA35, Cadillac CT4, Genesis G70, and Lexus ES 350, with average annual insurance rates of $2,592 per year or less.
In the bottom half of the top 20, models like the Lexus IS 350, BMW 230i, BMW 330e, Audi S3, and Jaguar XF average between $2,592 and $2,764 to insure per year.
Car insurance for this segment in Cambridge starts at an average of $183 per month, depending on your location and insurance company.
When rates are compared by vehicle size, the most affordable compact luxury car to insure in Cambridge is the Acura Integra at $2,194 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,536 per year. And for large luxury car models, the Audi A5 is most affordable to insure at $2,932 per year.
The table below ranks the cars with the most affordable insurance in Cambridge, starting with the Acura Integra at $183 per month and ending with the Audi S3 at $230 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,194 | $183 |
| BMW 330i | Compact | $2,510 | $209 |
| Mercedes-Benz CLA250 | Midsize | $2,536 | $211 |
| Lexus IS 300 | Midsize | $2,540 | $212 |
| Acura TLX | Compact | $2,550 | $213 |
| Cadillac CT4 | Compact | $2,576 | $215 |
| Lexus ES 350 | Midsize | $2,576 | $215 |
| Genesis G70 | Compact | $2,582 | $215 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,586 | $216 |
| Lexus RC 300 | Midsize | $2,592 | $216 |
| Lexus IS 350 | Compact | $2,604 | $217 |
| Jaguar XF | Midsize | $2,608 | $217 |
| Cadillac CT5 | Midsize | $2,654 | $221 |
| Lexus ES 250 | Midsize | $2,668 | $222 |
| BMW 330e | Compact | $2,676 | $223 |
| Lexus RC 350 | Compact | $2,676 | $223 |
| BMW 228i | Compact | $2,680 | $223 |
| BMW 230i | Compact | $2,700 | $225 |
| Lexus ES 300h | Midsize | $2,706 | $226 |
| Audi S3 | Compact | $2,764 | $230 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Massachusetts.
Cheap luxury SUVs to insure
Ranking at the top of the list for the most affordable Cambridge car insurance rates in the luxury SUV segment are the Acura RDX, Jaguar E-Pace, Cadillac XT5, Lexus NX 250, and Cadillac XT4. Auto insurance prices for these models average $194 or less per month.
Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus NX 350h, and Lincoln Corsair, with average insurance cost of $2,376 per year or less.
Some additional vehicles that made the list include the Mercedes-Benz GLA35 AMG, Infiniti QX60, Mercedes-Benz AMG GLB35, and Mercedes-Benz GLA250, which average between $2,376 and $2,474 per year for auto insurance.
From a monthly standpoint, car insurance rates in Cambridge on this segment for the average driver will start around $172 per month, depending on the company and your location.
The comparison table below ranks the twenty SUVs with the most affordable car insurance in Cambridge, starting with the Acura RDX at $172 per month and ending with the Lexus RX 350 at $206 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,060 | $172 |
| Lexus NX 250 | Compact | $2,182 | $182 |
| Cadillac XT4 | Compact | $2,226 | $186 |
| Jaguar E-Pace | Midsize | $2,304 | $192 |
| Lexus NX 350h | Compact | $2,326 | $194 |
| Cadillac XT5 | Midsize | $2,328 | $194 |
| Lincoln Corsair | Compact | $2,354 | $196 |
| Mercedes-Benz GLB 250 | Compact | $2,360 | $197 |
| Lexus UX 250h | Compact | $2,364 | $197 |
| Lexus NX 450h | Compact | $2,376 | $198 |
| Infiniti QX50 | Midsize | $2,394 | $200 |
| Mercedes-Benz GLA250 | Compact | $2,404 | $200 |
| Cadillac XT6 | Midsize | $2,412 | $201 |
| Mercedes-Benz GLA35 AMG | Compact | $2,412 | $201 |
| Infiniti QX60 | Midsize | $2,424 | $202 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,430 | $203 |
| Acura MDX | Midsize | $2,462 | $205 |
| Land Rover Evoque | Compact | $2,462 | $205 |
| Lexus NX 350 | Compact | $2,474 | $206 |
| Lexus RX 350 | Midsize | $2,474 | $206 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Cambridge, MA Zip Codes. Updated October 24, 2025
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Massachusetts.
Driver profile influences rates
To supplement the earlier data and reinforce the extent to which the cost of identical auto insurance can vary for different applicants, the examples below contain many different rates for four popular vehicles in Cambridge: the Chevrolet Silverado, Toyota Corolla, Honda CR-V, and Toyota Highlander.
Each illustration shows rates for a variety of different driver profiles to demonstrate how much prices can vary based on driver risk profile and policy coverages.
Chevrolet Silverado insurance rates
Insurance for a Chevrolet Silverado in Cambridge costs an average of $2,724 per year, or around $227 per month, and varies from $2,260 to $6,326 per year for the driver characteristics in the chart below.
The Chevrolet Silverado belongs to the full-size truck segment, and other models in that segment include the Toyota Tundra, Ram Truck, and Nissan Titan.
Toyota Corolla insurance rates
Toyota Corolla insurance in Cambridge costs an average of $2,402 per year, or around $200 per month, and varies from $1,992 to $5,502.
The Toyota Corolla is classified as a compact car, and additional similar models from the same segment include the Chevrolet Cruze, Honda Civic, and Hyundai Elantra.
Honda CR-V insurance rates
Honda CR-V insurance in Cambridge averages $2,102 per year, or around $175 per month, and ranges from $1,744 to $4,828 per year.
The Honda CR-V is classified as a compact SUV, and other similar models that are popular in Cambridge, MA, include the Toyota RAV4, Ford Escape, and Chevrolet Equinox.
Toyota Highlander insurance rates
Insurance for a Toyota Highlander in Cambridge costs an average of $2,240 per year (about $187 per month) and has a range of $1,864 to $5,126 per year.
The Toyota Highlander is part of the midsize SUV segment, and additional similar models from the same segment include the Honda Pilot, Kia Telluride, and Kia Sorento.
Tips for saving money on Cambridge auto insurance
Resourceful drivers should always be searching for ways to cut the monthly cost of insurance, so browse the savings tips in this next list and it’s very possible you can save some money on your next policy.
- Shop around. Taking a couple of minutes every year or so to get free car insurance quotes could save you a significant amount. Rates change often and you do not have to wait for your renewal to change companies.
- Research discounts to lower the cost. Discounts may be available if the policyholders are military or federal employees, are claim-free, choose electronic billing, are good students, are homeowners, or many other discounts which could save the average Cambridge driver as much as $414 per year on the cost of car insurance
- Compare car insurance quote before buying a car. Different vehicle models have very different costs for insurance, and insurance companies can sell coverages with a wide range of prices. Get plenty of comparison quotes before you buy a different car so you can avoid insurance sticker shock when you see your first insurance bill.
- Choose vehicles that have low cost insurance. Vehicle type is a big factor in the cost of insurance. For example, a Subaru Outback costs $1,432 less per year to insure in Cambridge than a Porsche 911. Lower performance vehicles cost less to insure.
- Get a discount from your job. Some car insurance providers offer discounts for certain occupations like scientists, dentists, high school and elementary teachers, college professors, police officers and law enforcement, and others. Having this discount applied to your policy could save between $74 and $240 on your annual car insurance premium, subject to the policy coverages selected.
- Reduce coverage on older vehicles. Dropping full coverage from older vehicles that are no longer worth much can cut the cost of auto insurance substantially.