Cheapest Car Insurance Quotes in Cambridge

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Cambridge Car Insurance

^$ 43

/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

The car insurance rate in Cambridge is $874 for a six-month policy, which is $142 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $639, making it a popular choice for budget-conscious drivers. Rates in Cambridge 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

$874

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Cambridge

1st place: Kemper

At $639 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $690 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $705 for six months, making it the third cheapest auto insurance company in Cambridge.

Cambridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cambridge, MD is Kemper, offering policies at just $639 for a six-month term. This is followed by USAA, which has an average six-month premium of $690.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1635 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cambridge drivers find the best deals.

Cheap Car Insurance Companies in Cambridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$108
USAA	$690	$116
State Farm	$705	$119
Travelers	$705	$119
Nationwide	$817	$138
Erie	$843	$142
Progressive	$961	$162
Allstate	$1635	$275

Key Takeaways

Way's key takeaways about car insurance in Cambridge

The auto insurance costs in Cambridge fall around $639 for six months.
The cheapest auto insurance company in Cambridge is USAA.
Teen drivers pay the highest rate in Cambridge at $1148 per month.

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Cheapest Minimum Liability Car Insurance in Cambridge

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 are given below.

USAA provides the cheapest minimum car insurance coverage in Cambridge. Their Average 6 Month Premium is $255. Allstate is the most expensive at $894 for the same period.

Cheapest Liability Coverage in Cambridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$255	$43
Travelers	$353	$59
State Farm	$358	$60
Kemper	$363	$60
Erie	$378	$64
Progressive	$445	$75
Nationwide	$460	$77
Allstate	$894	$151

Cheapest Full Coverage Car Insurance in Cambridge

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 is Kemper at $108 per month and $639 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cambridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$108
USAA	$690	$116
State Farm	$705	$119
Travelers	$705	$119
Nationwide	$817	$138
Erie	$843	$142
Progressive	$961	$162
Allstate	$1635	$275

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Average Car Insurance in Cambridge 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, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Cambridge, Maryland, may be increasing due to several external factors. Maryland 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'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

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
20s	Travelers	$589
30s	Travelers	$502
40s	Travelers	$458
50s	Travelers	$433
60s	Travelers	$485
70s	USAA	$513

Cheapest Car Insurance Rates for Teen Drivers in Cambridge,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cambridge at $65 per month. At $6820 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$65
Erie	$996	$168
Travelers	$1164	$196
USAA	$1246	$210
State Farm	$1691	$285
Progressive	$2151	$362
Nationwide	$3228	$544
Allstate	$6820	$1148

Teen Car Insurance Rates in MD by Age

Way Tip

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

As young drivers face the highest rates in Cambridge, Travelers offers the cheapest auto insurance rates at $589 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, USAA is the cheapest car insurance provider. At $808 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 is State Farm, offering rates of around $3055 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$808	$134
Progressive	$832	$140
Nationwide	$1058	$178
Travelers	$1491	$254
Erie	$1752	$292
Allstate	$2386	$406
State Farm	$3055	$509

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cambridge

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, MD, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Cambridge include Erie and USAA, offering $634 and $721, respectively. Encompass is an expensive provider with an average six-month premium of $567.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$634	$107
USAA	$721	$121
Travelers	$730	$123
State Farm	$787	$132
Progressive	$955	$161
Nationwide	$1328	$224
Allstate	$2983	$502
Encompass	$567	$95

Cambridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cambridge MD. For example, the car insurance in Cambridge after a DUI increases to $970 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Cambridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1067	$181
Not-at-fault accident	$1109	$185
One comp claim	$1114	$189
Two Med/PIP claims	$1134	$189
Failure to wear a seat belt	$1170	$199
Failure to show documents	$1201	$200
Child safety restraint	$1211	$206
Two comp claims	$1211	$202
Driving with expired registration	$1241	$211
Cell phone violation	$1256	$210
Driving too slowly	$1256	$213
Failure to stop at a red light	$1256	$210
Failure to yield	$1256	$213
Following too closely	$1256	$210
Illegal turn	$1256	$213
Improper passing	$1256	$210
Speeding 11 - 15 MPH over limit	$1256	$213
Speeding 16 - 20 MPH over limit	$1256	$210
Speeding 6 - 10 MPH over limit	$1256	$213
Texting while driving	$1256	$210
Wrong way/wrong lane	$1256	$213
Speeding in school zone	$1272	$212
At-fault accident - less than $1000	$1298	$221
Passing school bus	$1303	$217
Driving without lights	$1308	$223
Open container	$1313	$218
Operating a vehicle without permission	$1328	$226
Speeding 21 - 25 MPH over limit	$1374	$229
In 65 MPH zone	$1502	$255
At-fault accident - $1000-$2000	$1548	$258
At-fault accident - greater than $2000	$1548	$263
Reckless driving	$1767	$295
Racing	$1901	$323
Driving with a suspended license	$1931	$322
Refusal to submit to a chemical test	$1993	$339
DUI	$2002	$334
Leaving scene of an accident/hit and run	$2018	$343

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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 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.

The cheapest car insurance premiums in Cambridge are offered by Erie at $542 for a six-month policy. However, it can be as expensive as $2227 with companies like Nationwide.

Cambridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$542	$91
Travelers	$792	$133
Progressive	$1032	$174
USAA	$1190	$200
State Farm	$1548	$261
Allstate	$1706	$287
Nationwide	$2227	$375

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 are offered by State Farm at $485. However, it can be as expensive as $2085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cambridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$485	$82
USAA	$552	$94
Erie	$643	$108
Progressive	$746	$126
Travelers	$1022	$170
Nationwide	$1451	$247
Allstate	$2085	$347

Car Insurance Price Trends in Cambridge, Maryland

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

The average cost of full coverage in the Cambridge rose by $183 in December compared to $182 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Cambridge remained steady at $66 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cambridge?

The car insurance in Cambridge is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Cambridge?

The cheapest car insurance in Cambridge is $108 per month for full coverage.

How much is car insurance in Cambridge for teenagers?

Car insurance for teenagers costs $384 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?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $147 per month to insure your car in Cambridge.

Is car insurance expensive in Cambridge?

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

Cheapest Car Insurance Quotes in Cambridge

Why you can trust Way?

How Much Is Car Insurance in Cambridge

Avg. Car Insurance in Cambridge

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Cambridge

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Cambridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Cambridge, MD

Way's key takeaways about car insurance in Cambridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cambridge

Cheapest Liability Coverage in Cambridge, MD

Cheapest Full Coverage Car Insurance in Cambridge

Cheapest Full Coverage Car Insurance Quotes in Cambridge, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cambridge by Rating Factor

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

Car Insurance Premiums by Age in Cambridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cambridge,MD

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

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

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

Cambridge Car Insurance Rates by Violation

Cambridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cambridge after a DUI

Cambridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cambridge after Speeding ticket

Car Insurance Price Trends in Cambridge, Maryland

Average Car Insurance Cost in Cambridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cambridge, MD

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

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Data Sources