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Compare Cambridge car insurance rates and save more than 26%.*

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20,526 Canadians

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What our users say:

September 21
Promp response upon filling…
Promp response upon filling questionnaires,courteous representative.
arturo morales
September 21
They were really quick
They were really quick, and very helpful.
September 20
On rate
The rates are very interesting
Georges Joseph
September 19
Very skilled people
Very skilled people Answered all my questions
Mike Walter
September 19
Amazing company.
Very professional company. So easy to use 5 ⭐️
September 15
well informed agent and fast respond.I…
well informed agent and fast respond.I can say one of the better one in the indu...
aj azma
September 14
Fast response
Fast response, great price!
Thuan Nguyen
September 10
The representative was very sweet and…
The representative was very sweet and understanding.
Faouzi Idrissou
September 9
responsive to what I need was calling…
responsive to what I need was calling me while I was still on the website, I tho...
Curtis Leong
September 9
Convenient way to do something that can…
Convenient way to do something that can be a pain in the b.... Thank you
September 8
I received all the information i was…
I received all the information i was interested in. Very nice service.
Wlodzimierz Wojtysiak
September 8
Most of the staff was very prompt and…
Most of the staff was very prompt and knowledgeable. The online application is e...
Karen Hall
September 7
Easy to use and call back promptly
Easy to use and call back promptly
Donna DAmore
September 6
Very helpful
The company is doing great. They tell you what is the best for you to do
Susan Paradero
September 3
Great Service! …
The person I spoke with was incredibly helpful and very polite. He was also pati...
Catherine White
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin
June 18
Easy and fast
Easy and fast. Saved $1000
Olga Baldin
June 11
Very prompt response
Very prompt response. Instructions were very clear. Had my best interest at hear...
Shairoz Kherani
June 10
Great dealings
Great dealings. Very pleased
Tim Cote
May 17
questions answered
questions answered
Aaron Ridsdale
May 10
Easy & Professional
Easy, fast, efficient & professional.
May 8
Fast, friendly and knowledgable service.
I was still completing the online search form for new insurance when my phone ra...
Bonnie Wilson
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham

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When you find the best quote, secure your Cambridge auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Cambridge.

While driving in Cambridge may be easier compared to bigger cities, finding affordable car insurance in Cambridge can still be tough.

Make sure your trips around Cambridge are protected with the proper car insurance. can not only help you find out how much car insurance is in Cambridge but the auto insurance rates best suited for your lifestyle.

Seeing as it’s the second-largest community in the Waterloo region, there are more than a few auto insurance companies available ready to serve you. Taking 3 minutes to look a bit deeper for your best auto insurance quote in Cambridge can save you hundreds of dollars a year. Best of all, it's 100% free to use and your data is always secure. 

Car insurance in Cambridge, Ontario

Car insurance in Cambridge (and the entire province of Ontario) is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Its job is to ensure that, when insurance companies propose rate changes, they're fair for consumers and the insurance providers themselves. FSRA's rules require that agents and businesses selling auto insurance be licensed and follow all relevant legislative guidelines. FSRA also oversees the adjusters and firms investigating auto insurance claims.

Car insurance in Cambridge is mandatory, just like anywhere else in Ontario. Vehicle owners, lessees and drivers who do not carry valid auto insurance can be fined anywhere from $5,000 to $50,000. Your driver's licence can be suspended and your car impounded if you drive without valid auto insurance.

Mandatory & optional insurance coverages in Cambridge

Mandatory coverage, something all drivers must get if they want to legally drive a vehicle in Ontario, must include:

According to FSRA, the five most common policy endorsements for optional coverage are:

Factors that determine your car insurance rates in Cambridge

There are a number of factors that determine your car insurance rates in Cambridge. Here are some to consider:

If you are an occasional driver, your low mileage status will lower your Cambridge car insurance premium. The opposite is true if you commute long distances or are in your car more often. Cambridge insurance companies will consider the higher risks of drivers who are in their cars more often and increase rates accordingly.

Your postal code can also influence your Cambridge car insurance rates. Some areas have lower crime rates and urban density, and people who live in those areas may find their Cambridge car insurance rates are cheaper than those living in higher-crime areas with more congestion.

As is the case everywhere in Canada, cheap auto insurance for young drivers is hard to come by in Cambridge due to their short driving and insurance histories. Taking driving training courses can help with that, but younger drivers, especially males, will find their rates to stay higher until they have some miles behind them.

In addition, having previous incidents on your driving record certainly won’t do anything to help your automobile insurance in Cambridge.

You can use’s car insurance calculator to figure out Cambridge's best option for car insurance for you.

Car insurance rates for Cambridge seniors

Experience counts for a lot in life. If you're in your sixties with a clean driving record, you can get better rates for your Cambridge car insurance.

This age group is considered very safe, with years of driving experience. At the same time, they've generally kept loyal to their insurance companies and likely have multiple products with the same company. All of these factors serve them well regarding rates and discounts.

Once you get past the 70-year mark, some Cambridge insurance companies may consider you a higher risk and your rates might increase slightly.

Comparing rates with different companies may yield savings if you are a senior who has seen your auto insurance premium increase with age. Use's online quote tool to get started.

Car insurance rates for students in Cambridge

Cheap auto insurance for students in Cambridge is hard to come by since most students are relatively new drivers in their early twenties (i.e., one of the riskiest demographics to insure, according to insurance providers). Your insurance rate will begin decreasing starting at age 25 if you keep a clean record, choose an inexpensive car, and take a driving course. In the meantime, you can still garner savings by comparing rates. Students who compare rates find some of the most significant discounts: when your rates are sky-high in the first place, there's more room for them to come down.

Car insurance for new immigrants in Cambridge

If you’ve recently immigrated to Cambridge from overseas or elsewhere, ask your old insurance company to provide a reference to your new Cambridge auto insurance company. You’ll have a better chance at securing a lower car insurance rate because you have proof of your insurance and driving history.

You must trade in your licence from the country you’ve emigrated from within 60 days for an Ontario driver’s license. The provincial government recognizes licences from several countries as equivalent to an Ontario license, which will make your transition smoother and prevent you from going through Ontario’s graduated licencing system.

If you’re immigrating from a country other than the ones listed below, you will have to go through Ontario’s graduated licencing system, which means you’ll be considered a new driver.

Here are the countries with which Ontario has a licence exchange agreement:

Car insurance for high-risk drivers in Cambridge

Cheap auto insurance in Cambridge for high-risk drivers is difficult to come by, as is the case anywhere. The more dents you have on your record, the likelier it is that your Cambridge car insurance costs will take a chunk out of your budget. However, some insurance companies specialize in insuring high-risk drivers; these providers are more likely to offer your lowest rate. Comparing rates is especially important for high-risk drivers since insurers in Ontario must provide a quote to all eligible customers, even if they don't specialize in covering drivers with your history. That means you could overpay for coverage if you don't shop around. Find out which insurance company favours you by getting quotes insurance quotes before you lock in with the best offer.

Front view of a car. Illustration.

See how our customers in Cambridge save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 24, 2023
Male, 31 years old
Lowest Rate
Average Rate
Quote from September 23, 2023
Male, 27 years old
Lowest Rate
Average Rate
Quote from September 23, 2023
Male, 33 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How can you get the cheapest car insurance in Cambridge?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Focus on

Driving in Cambridge.

Most popular cars in Cambridge

Like all of Canada, the most popular cars in Cambridge are North American ones. Did you know the Toyota RAV4 and the Lexus RX are both Cambridge-built? Whatever the automobile, we can help you find the best estimates for car insurance across Cambridge.

Popular Brands

  1. Honda
  2. Hyundai
  3. Toyota
  4. Volkswagen
  5. Ford

Who shops for auto insurance quotes in Cambridge?

According to the most recent census, there were almost 130,000 residents in Cambridge, and 83.5% of them old enough to drive. is here to help drivers both new and old find the best price for their car insurance in Cambridge.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about car insurance in Cambridge, answered.


How much is car insurance in Cambridge?

Generally speaking, car insurance in Cambridge is cheaper than it is in the Greater Toronto Area. But, since car insurance is a custom product, each driver's premium will vary depending on driving experience, location, past record and other risk factors.

Which Cambridge postal code has the highest average premiums?

The Cambridge postal code with the highest car insurance premiums is the N3H area, according to user data, and is part of the Waterloo Regional Municipality.

Which Cambridge postal code has the lowest average premiums?

The Cambridge postal codes with the lowest car insurance premiums are N1R, according to user data.

How do Cambridge car insurance rates compare to other cities in Ontario?

Car insurance in Cambridge is on par with nearby Kitchener’s average. However, rates increase the closer you get to Lake Ontario and the more east you travel. On average, car insurance costs more in Hamilton than in Cambridge, for example.

Where do I get the cheapest car insurance quotes in Cambridge?

Finding the cheapest car insurance starts with comparison shopping on sites like It’s free and simple to use. Just provide some information about your location, car and insurance type you are looking for. We’ll do the rest. You’ll receive the cheapest car insurance quotes in seconds from Cambridge’s top insurance providers. Staff Staff

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*Represents the average saved by shoppers who obtained a Cambridge quote on and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by