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What our users say:

May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Customer service was great
Customer service was great
Nur
May 17
Good service and information
Good service and information
Reta
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you đź‘Ť
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
Nancy
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
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
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
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May 4
Great service. Quick results .
Had a great experience with LowRates !
Amani Elasad
May 4
Quick and easy to follow
Quick and easy to follow, Follow up was with 2 hours, Saved a lot of money!
Robert Spero
April 28
Great overall experience
From start to finish they were on top of everything. Got the best rate I could f...
Adrian
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
Melanie
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
D.A.
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham
April 20
The best deal in insurance. Don’t go it alone you need expert help. are doing what I couldn’t do…
They are doing what I couldn’t do myself. They know exactly where to go to fin...
Graham Watson
April 19
I'm retired so I try to keep my cost down
your agent was very help full
Dominic Zaccaria
April 16
Very affordable auto insurance.
Very helpful representatives and gave me good price on auto insurance. So happy ...
VISHAKHA BAPUJI
April 13
A great service to connect you with the best rates.
I found the person on the phone to be helpful, courteous and professional. She p...
Rod D
April 13
Quick response
Quick response Friendly people Great price. Very happy
Scott Craggs
April 13
Very nice to talk to and efficient were…
Very nice to talk to and efficient were not in a rush explained everything
Tanya Cox
April 12
Review Hitesh Shriyan
Review Tks. Courteous competent complete.
Françoise Pierre-Pierre
April 11
Amy was fantastic
Amy was fantastic, explaining, asking if we wanted extensions and suggested exte...
Dianne Waudby

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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. LowestRates.ca 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 LowestRates.ca 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 LowestRates.ca’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 LowestRates.ca'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 May 29, 2023
Customer
Male, 17 years old
Location
cambridge
Vehicle
2009 MITSUBISHI LANCER GT 4DR
Lowest Rate
$309/mth
$3,702/yr
Average Rate
$441/mth
$5,296/yr
Saved
$133/mth
30.10%
Quote from May 28, 2023
Customer
Male, 39 years old
Location
cambridge
Vehicle
2013 FORD FUSION S 4DR
Lowest Rate
$109/mth
$1,309/yr
Average Rate
$163/mth
$1,950/yr
Saved
$53/mth
32.87%

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. LowestRates.com is here to help drivers both new and old find the best price for their car insurance in Cambridge.

Gender of our users

Male
71%
Female
29%

Average Age

33

years old

Tickets & Accidents

Have Tickets
13.7%
Have Had Accidents
12%

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 LowestRates.ca 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 LowestRates.ca 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 LowestRates.ca. 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.

LowestRates.ca Staff

LowestRates.ca Staff

About the Author

The LowestRates.ca writing team focuses on telling original stories.

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