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Get Cheap Car Insurance in MIT, Cambridge, MA
We monitor insurance prices, helping the average driver in MIT save up to 35.5% on car insurance.
The Cheapest Minimum Coverage in MIT
The chart below shows the cheapest car insurance company in MIT for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.
| MIT Insurer | Monthly Cost |
|---|---|
| Safety Insurance | $46 |
| Geico | $50 |
| Midvale Home & Auto | $58 |
| Travelers | $73 |
Savings for Every Kind of MIT Driver
Based on our extensive insurance data, we know the average MIT driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $629 per year by choosing the right vehicle insurance company. Some MIT residents are paying out over $1,839 extra every year for auto insurance in MIT. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
MIT, Cambridge, MA Savings / Yr. |
|---|---|
$629 |
|
$935 |
|
$778 |
|
$1,032 |
|
$2,277 |
|
$0 |
|
$0 |
MIT Car Insurance vs. Cambridge
People living in MIT pay an average of 18.40% more than the typical driver in the state. The average driver in MIT can expect to pay about $790 per year, or $1,839 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in MIT for most people.
Car Insurance Prices by MIT Neighborhood
Insurance Prices
Where is insurance cheapest within MIT?
The map shows insurance prices in and around MIT, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $196 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,958 to a low of $1,762. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of MIT.Pick the Best Car Insurance Company for You in MIT
The best car insurance provider for most drivers in MIT
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $629 over the average MIT car insurance company.
The best car insurance provider for MIT drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $935 over the competition.
The best car insurance company for MIT drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $778 better than other car insurance companies.
The best auto insurance for MIT drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $1,032 less each year.
The least expensive car insurance company for new and young drivers in MIT
In MIT, State Farm costs young drivers $2,277 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in MIT
The cheapest car insurance in MIT for drivers with bad credit
The best MIT car insurance company for customer service
Recent price drops
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The cheapest large national provider in MIT
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average MIT driver can expect to pay about $85 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In MIT, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.Auto Insurance Prices in and Around MIT
What Influences the Cost of Car Insurance in MIT?
On average, car insurance in MIT is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Massachusetts state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- MIT is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in MIT is $66 per month for minimum coverage and $153 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Area IV: Insurance costs 7.94% more
- Cambridgeport: Insurance costs 1.41% more
- Back Bay: Insurance costs 0.65% more
- Wellington-Harrington: Insurance costs 4.89% more
- Fenway-Kenmore: Insurance costs 1.79% more
- East Cambridge: Insurance costs 5.93% more
- Mid-Cambridge: Insurance costs 0.82% less
- Riverside: Insurance costs 0.98% less
- North Brookline: Insurance costs 1.69% less
- Union Square: Insurance costs 2.34% more
Neighborhoods with Similar Populations
- Indian Hills: Insurance costs 7.72% more
- Southside: Insurance costs 19.85% less
- Southeast Como: Insurance costs 3.64% more
- Southeast: Insurance costs 19.25% less
- South Westnedge: Insurance costs 57.04% more
- South Los Altos: Insurance costs 10.22% more
- Los Cerritos: Insurance costs 24.90% more
- Las Positas: Insurance costs 9.14% more
- Interlake: Insurance costs 12.89% less
- St Jean: Insurance costs 123.93% more