Cheapest Car Insurance Quotes in Cambridge City

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Cambridge City Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cambridge City

The car insurance rate in Cambridge City is $689 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $268, making it a popular choice for budget-conscious drivers. Rates in Cambridge City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cambridge City

$689

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Cambridge City

1st place: American Family

At $268 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $372 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $377 for six months, making it the third cheapest auto insurance company in Cambridge City.

Cambridge City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cambridge City, IN is American Family, offering policies at just $268 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $372.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cambridge City drivers find the best deals.

Cheap Car Insurance Companies in Cambridge City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$268	$45
Auto-Owners Insurance Co	$372	$63
Westfield	$377	$63
Nationwide	$470	$79
Hastings Mutual	$524	$88
USAA	$535	$90
Hastings Insurance	$591	$98
Progressive	$623	$105
Travelers	$623	$105
Auto-Owners	$705	$119
Farm Bureau	$902	$150
State Farm	$1000	$168
Allstate	$1262	$213
Farmers	$1399	$238

Key Takeaways

Way's key takeaways about car insurance in Cambridge City

The auto insurance costs in Cambridge City fall around $268 for six months.
The cheapest auto insurance company in Cambridge City is Westfield.
Teen drivers pay the highest rate in Cambridge City at $607 per month.

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Cheapest Minimum Liability Car Insurance in Cambridge City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cambridge City are given below.

Westfield provides the cheapest minimum car insurance coverage in Cambridge City. Their Average 6 Month Premium is $115. Farmers is the most expensive at $502 for the same period.

Cheapest Liability Coverage in Cambridge City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
American Family	$147	$25
Auto-Owners Insurance Co	$153	$26
USAA	$153	$26
Hastings Mutual	$164	$28
Indiana Farmers	$169	$29
Progressive	$197	$33
Auto-Owners	$202	$34
Grange	$202	$34
Travelers	$213	$36
SafeAuto	$224	$38
Farm Bureau	$273	$47
State Farm	$273	$46
Allstate	$476	$80
Farmers	$502	$84

Cheapest Full Coverage Car Insurance in Cambridge City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cambridge City is American Family at $45 per month and $268 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cambridge City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$268	$45
Auto-Owners Insurance Co	$372	$63
Westfield	$377	$63
Nationwide	$470	$79
Hastings Mutual	$524	$88
USAA	$535	$90
Hastings Insurance	$591	$98
Progressive	$623	$105
Travelers	$623	$105
Auto-Owners	$705	$119
Farm Bureau	$902	$150
State Farm	$1000	$168
Allstate	$1262	$213
Farmers	$1399	$238

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Average Car Insurance in Cambridge City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cambridge City, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Cambridge City, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cambridge City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cambridge City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$353
40s	USAA	$331
50s	USAA	$314
60s	USAA	$327
70s	Buckeye Insurance Group	$349

Cheapest Car Insurance Rates for Teen Drivers in Cambridge City,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cambridge City at $23 per month. At $3569 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
American Family	$153	$26
Auto-Owners Insurance Co	$197	$33
Grange	$213	$36
USAA	$601	$101
Travelers	$776	$131
Progressive	$842	$142
Auto-Owners	$2065	$351
Allstate	$2694	$449
State Farm	$2853	$485
Farm Bureau	$3175	$529
Farmers	$3569	$607

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cambridge City.

As young drivers face the highest rates in Cambridge City, USAA offers the cheapest auto insurance rates at $353 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cambridge City, Westfield is the cheapest car insurance provider. At $219 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cambridge City is State Farm, offering rates of around $4088 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$219	$37
American Family	$229	$39
Nationwide	$257	$43
Grange	$273	$46
Progressive	$699	$118
Travelers	$705	$119
USAA	$820	$140
Allstate	$1093	$184
Farm Bureau	$1847	$314
Auto-Owners	$2284	$381
Farmers	$2284	$388
State Farm	$4088	$682

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Save up to $971/yr on car insurance rates in Cambridge City.

Car Insurance Rates with An Accident in Cambridge City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cambridge City, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cambridge City

The cheapest car insurance companies after an at-fault accident in Cambridge City include American Family and AutoOwners Insurance Co, offering $186 and $213, respectively. Allstate is an expensive provider with an average six-month premium of $2257.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Auto-Owners Insurance Co	$213	$36
Indiana Farmers	$219	$37
Grange	$240	$40
USAA	$420	$71
Travelers	$487	$82
Auto-Owners	$508	$86
Progressive	$519	$87
State Farm	$710	$120
Farmers	$1115	$188
Farm Bureau	$1339	$224
Allstate	$2257	$384

Cambridge City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cambridge City IN. For example, the car insurance in Cambridge City after a DUI increases to $694 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Cambridge City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$754	$126
One Med/PIP claim	$754	$128
Not-at-fault accident	$798	$133
Two Med/PIP claims	$809	$137
One comp claim	$814	$136
Failure to show documents	$853	$145
Failure to wear a seat belt	$858	$143
Two comp claims	$864	$147
Child safety restraint	$874	$145
Driving without lights	$874	$149
Driving with expired registration	$907	$151
Speeding 6 - 10 MPH over limit	$924	$157
Driving too slowly	$929	$155
Failure to yield	$929	$158
Following too closely	$929	$155
Illegal turn	$929	$158
Speeding in school zone	$929	$155
Cell phone violation	$935	$159
Speeding 11 - 15 MPH over limit	$935	$155
Texting while driving	$935	$159
Wrong way/wrong lane	$935	$155
Failure to stop at a red light	$940	$160
Improper passing	$946	$157
Speeding 16 - 20 MPH over limit	$946	$161
At-fault accident - less than $1000	$957	$159
Passing school bus	$972	$166
Speeding 21 - 25 MPH over limit	$1022	$170
At-fault accident - $1000-$2000	$1054	$179
In 65 MPH zone	$1071	$178
At-fault accident - greater than $2000	$1076	$183
Operating a vehicle without permission	$1153	$192
Open container	$1164	$198
Racing	$1415	$236
Reckless driving	$1420	$242
Refusal to submit to a chemical test	$1437	$239
DUI	$1448	$247
Leaving scene of an accident/hit and run	$1476	$246
Driving with a suspended license	$1487	$253

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cambridge City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cambridge City.

The cheapest car insurance premiums in Cambridge City are offered by American Family at $186 for a six-month policy. However, it can be as expensive as $2508 with companies like Farmers.

Cambridge City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Grange	$339	$58
Travelers	$513	$86
Progressive	$519	$87
USAA	$634	$107
Farm Bureau	$1054	$178
State Farm	$1065	$179
Allstate	$1164	$196
Auto-Owners	$1606	$270
Hastings Mutual	$1727	$293
Farmers	$2508	$418

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cambridge City are offered by Westfield at $142. However, it can be as expensive as $1760 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cambridge City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
American Family	$186	$31
Auto-Owners Insurance Co	$197	$33
Travelers	$552	$93
Progressive	$563	$95
USAA	$563	$94
State Farm	$601	$101
Auto-Owners	$814	$136
Farm Bureau	$1082	$184
Farmers	$1738	$290
Allstate	$1760	$299

Car Insurance Price Trends in Cambridge City, Indiana

Car insurance rates in Cambridge City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cambridge City rose by $144 in January compared to $123 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Cambridge City rose to $38 in January, compared to $36 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cambridge City?

The car insurance in Cambridge City is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Cambridge City?

The cheapest car insurance in Cambridge City is $45 per month for full coverage.

How much is car insurance in Cambridge City for teenagers?

Car insurance for teenagers costs $137 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cambridge City?

The average cost of car insurance is $749 for a six-month policy. It will cost around $116 per month to insure your car in Cambridge City.

Is car insurance expensive in Cambridge City?

Car insurance can be expensive in Cambridge City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cambridge City can be affordable.

Cheapest Car Insurance Quotes in Cambridge City

Why you can trust Way?

How Much Is Car Insurance in Cambridge City

Avg. Car Insurance in Cambridge City

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Cambridge City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Cambridge City Car Insurance Rates by Company

Cheap Car Insurance Companies in Cambridge City, IN

Way's key takeaways about car insurance in Cambridge City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cambridge City

Cheapest Liability Coverage in Cambridge City, IN

Cheapest Full Coverage Car Insurance in Cambridge City

Cheapest Full Coverage Car Insurance Quotes in Cambridge City, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cambridge City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cambridge City, IN increasing?

Car Insurance Premiums by Age in Cambridge City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cambridge City,IN

If you are in your twenties USAA is the best choice for car insurance in Cambridge City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cambridge City

Cheapest Car Insurance Companies after an At-Fault Accident in Cambridge City

Cambridge City Car Insurance Rates by Violation

Cambridge City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cambridge City after a DUI

Cambridge City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cambridge City after Speeding ticket

Car Insurance Price Trends in Cambridge City, Indiana

Average Car Insurance Cost in Cambridge City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cambridge City, IN

Car Insurance Rates by State in the USA (2025 Update)

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