Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Cambridge

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cambridge Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

72

Reviewed

48

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1361 Cambridge Street, Cambridge, MA 02139
  • Multiple Carriers

Why choose this provider?

Kaplansky Insurance is an independent agency providing (auto, home, business life, and more),company located in Cambridge, helping clients financially protect their vehicles in case of damage or loss. It was founded in 1974 and has been serving its clients with exceptional customer experience and reliability. The company believes in freedom of choice, for they let their clients choose what they deem is the best insurance option. Kaplansky Insurance has worked with top-rated regional and national insurance carriers, making processes more convenient for existing and potential policyholders. Also one of the largest independent agencies in the region. The agency was also named by INC. 5000 as one of the “Fastest-Growing Private Businesses in America”

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
138 Old Colony Avenue, Boston, MA 02127
  • Motorcyle & ATV
  • Boats
  • Multiple Carriers

Why choose this provider?

Baltic Insurance Agency is a full-service insurance company that serves the Cambridge metro area and its nearby communities. The independent insurance agency assists individuals, families, and business owners in securing financial and liability protection for themselves and their vehicles through an auto insurance policy. Its agents represent carriers that can provide collision and comprehensive, liability, medical payment, personal injury, and uninsured motorist coverage. They also offer policies for rental reimbursements, towing services, and roadside mishaps. The company practices a one-on-one approach for all its services.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
220 Harrison Avenue, Boston, MA 02111
  • Multiple Carriers

Why choose this provider?

Chan Insurance Agency offers and reviews potential and existing personal and commercial insurance packages, including car insurance coverages. In order to provide a wide variety of insurance products and programs to fit the client's specific needs, the agency represents more than 40 insurance carriers, 10 of which are companies within the region that offer auto coverages. Established in 1985, the independent insurance agency serves clients in Cambridge and throughout the greater Boston area.

License Verified:

License: 1781623

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (153)
Yelp
4.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1812 Massachusetts Avenue, Cambridge, MA 02140
  • Boats

Why choose this provider?

WTPhelan is a family-owned insurance agency servicing residents in Cambridge since 1898. The firm allows access to 25 insurance carriers and crafts the right policy to meet clients' coverage needs. Some of the insurance policies offered are for homeowners or renters and car owners. There are also policies crafted for special needs such as flood and earthquake insurance. Its team of professionals helps individuals and families prepare for their future and protect what matters to them.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (26)
Yelp
5.0 / 5 (26)
Google
4.4 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
777 Cambridge Street, Cambridge, MA 02141
  • Multiple Carriers

Why choose this provider?

Today’s Insurance is a multi-line insurance management company that has been catering to the personal and business insurance needs in Cambridge for more than four decades. Established in 1976, the firm protects individuals, families, and commercial drivers against financial losses and unwanted perils on the road with an auto insurance policy. Its independent insurance agents assist customers in shopping for the right auto insurance policy that best suits their situation. They assist customers in every step of the process, from the initial quotation to claims settling.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1939 Massachusetts Avenue, Cambridge, MA 02140
  • Multiple Carriers

Why choose this provider?

Since 1954, Ralph J. Galante Insurance Agency, Inc., has been offering insurance products to families and businesses in Cambridge. Its team covers auto insurance, home insurance, life insurance, and commercial insurance. Aside from the standard auto policy coverage, the firm also helps its clients find additional protection. In addition, the agency also partners with multiple insurance companies to bring more options to its clients. As one company, its mission is to satisfy the needs of its customers through delivering quality services.

License Verified:

License: 1782829

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.3 / 5 (15)
Yelp
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14 Dinley Street, Dracut, MA 01826
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Coughlin Insurance is a family-owned provider of auto insurance products for clients in Cambridge. The agency helps customers find the right insurance plans that will fit their requirements and budgets. Its policies provide coverages for bodily injury to others and personal injury protection. Coughlin Insurance has been given the Five Star Award of Distinction by the Massachusetts Association of Insurance Agents. Additionally, the company offers other personal and business insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (4)
Yelp
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
396 Washington Street, Brighton, MA 02135
  • Multiple Carriers

Why choose this provider?

F.I. Patnode Insurance is a third-generation and family-owned and operated agency with 80 years of experience in the insurance industry. It offers car insurance policies to individuals, families, and business clients in the Cambridge area. Each F.I. Patnode policy provides a variety of benefits, such as replacement cost coverage on new cars, trip interruption coverage, rental replacement beyond 30 days, and lockout service. The company also allows insurance bundles and multi-policy insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.2 / 5 (10)
Yelp
4.5 / 5 (8)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1092 Cambridge Street, Cambridge, MA 02139
  • Bundling Option

Why choose this provider?

Ribeiro DeSousa Insurance is an agency in Cambridge that offers auto insurance services to individuals and businesses. For over 30 years, it has been providing clients with insurance solutions that protect them against damages and financial losses that are associated with events such as accidents, fire, and theft. These plans include collision and comprehensive coverages, as well as ancillary medical and car rental insurance coverages. The company's agents aim to establish superior customer service through their individualized client attention.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
955 Massachusetts Avenue, Cambridge, MA 02139
  • Multiple Carriers

Why choose this provider?

Allston Insurance Agency, Inc., is a full-service insurance management company that serves the Cambridge metro area and surrounding communities. The firm provides an extensive range of car insurance policies to individuals, families, and businesses. Its independent insurance agents work with multiple carriers that can provide coverage options for private vehicles, commercial autos, antique cars, motorhomes, motorcycles, and watercraft. They also assist policyholders with vehicle registration, annual policy reviews, and policy replacements. The company has over 20 years of experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (11)
Yelp
4.0 / 5 (5)

Website
1103 Commonwealth Avenue, Boston, MA 02215
  • Multiple Carriers

Why choose this provider?

Point Insurance is an independent insurance agency providing clients with different insurance options in the Boston and Cambridge areas. The agency focuses on helping its clients find the auto insurance policy that's suitable for their needs. It provides options from different insurance companies that offer both liability and comprehensive coverage. The comprehensive coverage typically reimburses its clients for losses due to fire or theft. Additionally, its insurance professionals work with its clients until they secure the coverage they need.

License Verified:

License: 2000773

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (39)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
545 Concord Avenue, Cambridge, MA 02138
  • Multiple Carriers

Why choose this provider?

Garrity Insurance is an independent agency that delivers auto insurance solutions to Cambridge residents and businesses. Its agents are experienced in guiding clients in every step of the process of acquiring auto policies. They help car owners and drivers determine the types and amounts of coverages they need based on their insurance needs. Garrity Insurance's mission is to serve as a trusted advisor to its customers and maintain strong partnerships with insurance carriers so as to provide the best protection possible.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (155)
Yelp
4.5 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
599 Cambridge Street, Cambridge, MA 02141
  • Multiple Carriers

Why choose this provider?

Fucillo & Sasso Associates Insurance Agency is an independent insurance firm that has been catering to the residents of Cambridge and nearby communities since 1990. Jim, the agency's founder, is an insurance agent with over 35 years of industry experience. He has extensive knowledge of Massachusetts auto insurance requirements and offers fully customized car policies tailored to the clients' needs, driving experience, and financial situations. Fucillo & Sasso Associates Insurance Agency also provides home, life, and business insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Is driving without auto insurance allowed in Cambridge?

    No. It is illegal to drive a motor vehicle in Cambridge without the necessary insurance protection per Massachusetts law. A Massachusetts Uniform Citation for operating an uninsured vehicle may be issued to the driver by the police if they stop a car and discover it is not insured. It's possible to tow the automobile.

  • Is it considered as crime to drive without insurance in Cambridge?

    Yes, driving a motor vehicle without required insurance in Cambridge is considered a criminal offense, as outlined in M.G.L. c. 90, § 34J. The statute specifies that anyone who operates or allows the operation of a motor vehicle without the necessary insurance coverage can face legal penalties. The offense is a criminal charge, so it's best to act quickly to reduce or avoid a criminal record.

  • What penalties could Cambridge drivers face if they breached insurance laws?

    Among the consequences of breaking the insurance law for cars in Cambridge are:

    • A fine ranging from $500 to $5,000.
    • Up to 1 year in a house of correction (jail).
    • A combination of both the fine and jail time.
    • Driver's license suspension for 60 days by the Registry of Motor Vehicles.
  • Do traffic violation records impact car insurance rates in Cambridge?

    Yes, car insurance rates in Cambridge are affected by traffic violation history. This happens because Massachusetts uses the Safe Driver Insurance Plan, which assigns points to a driver's record when they receive a traffic ticket or cause an accident through their fault. These points lead to percentage-based increases in the car insurance premium.

  • Can drivers with license points reduce their insurance premiums in Cambridge?

    Yes, drivers in Cambridge who have experienced road-related issues may still lower their car insurance rates. The potential solutions include considering increasing their deductible or seeking insurance discounts they may qualify for. They may also try bundling policies like home and car insurance and choose the right type of coverage.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.