Cheapest Car Insurance Quotes in Cambridge Springs

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Cambridge Springs Car Insurance

^$ 26

/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 Springs

The car insurance rate in Cambridge Springs is $886 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Cambridge Springs 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 Springs

$886

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Cambridge Springs

1st place: AutoOwners Insurance Co

At $401 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $557 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $667 for six months, making it the third cheapest auto insurance company in Cambridge Springs.

Cambridge Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cambridge Springs, PA is AutoOwners Insurance Co, offering policies at just $401 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $557.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1062 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cambridge Springs drivers find the best deals.

Cheap Car Insurance Companies in Cambridge Springs, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$401	$66
American National P&C	$557	$95
Westfield	$667	$111
Travelers	$718	$121
Erie	$874	$147
Nationwide	$1017	$171
State Farm	$1036	$174
Allstate	$1152	$194
USAA	$1224	$206
Progressive	$1522	$256
Auto-Owners	$414	$71
Encompass	$1062	$177

Key Takeaways

Way's key takeaways about car insurance in Cambridge Springs

The auto insurance costs in Cambridge Springs fall around $401 for six months.
The cheapest auto insurance company in Cambridge Springs is Westfield.
Teen drivers pay the highest rate in Cambridge Springs at $792 per month.

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Cheapest Minimum Liability Car Insurance in Cambridge Springs

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 Springs are given below.

Westfield provides the cheapest minimum car insurance coverage in Cambridge Springs. Their Average 6 Month Premium is $156. AutoOwners is the most expensive at $84 for the same period.

Cheapest Liability Coverage in Cambridge Springs, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$162	$27
Erie	$207	$35
American National P&C	$214	$36
Chubb	$227	$38
Travelers	$240	$40
USAA	$284	$48
State Farm	$298	$50
Nationwide	$382	$64
Progressive	$434	$73
Allstate	$583	$98
Auto-Owners	$84	$14

Cheapest Full Coverage Car Insurance in Cambridge Springs

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 Springs is AutoOwners Insurance Co at $66 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cambridge Springs, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$401	$66
American National P&C	$557	$95
Westfield	$667	$111
Travelers	$718	$121
Erie	$874	$147
Nationwide	$1017	$171
State Farm	$1036	$174
Allstate	$1152	$194
USAA	$1224	$206
Progressive	$1522	$256
Auto-Owners	$414	$71
Encompass	$1062	$177

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Average Car Insurance in Cambridge Springs 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 Springs, PA increasing?

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

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

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Cheapest Car Insurance Rates for Teen Drivers in Cambridge Springs,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cambridge Springs at $27 per month. At $4752 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Auto-Owners Insurance Co	$187	$32
American National P&C	$246	$41
Chubb	$271	$46
Erie	$1114	$187
Travelers	$1282	$216
State Farm	$1845	$311
USAA	$2156	$366
Allstate	$2810	$469
Progressive	$2817	$479
Nationwide	$4752	$792

Teen Car Insurance Rates in PA by Age

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 Springs, Westfield is the cheapest car insurance provider. At $253 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 Springs is State Farm, offering rates of around $5167 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
Auto-Owners Insurance Co	$259	$44
Chubb	$304	$51
American National P&C	$343	$59
USAA	$1107	$184
Nationwide	$1152	$194
Erie	$2020	$337
Allstate	$2434	$414
Travelers	$2654	$443
Progressive	$2966	$505
State Farm	$5167	$861

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Car Insurance Rates with An Accident in Cambridge Springs

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 Springs, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Cambridge Springs include Westfield and AutoOwners Insurance Co, offering $227 and $259, respectively. Donegal is an expensive provider with an average six-month premium of $253.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Auto-Owners Insurance Co	$259	$44
Chubb	$304	$51
American National P&C	$311	$52
Erie	$518	$87
State Farm	$602	$101
Travelers	$718	$121
USAA	$932	$157
Nationwide	$1431	$243
Allstate	$1476	$246
Progressive	$1748	$298
Auto-Owners	$84	$14
Donegal	$253	$43

Cambridge Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cambridge Springs PA. For example, the car insurance in Cambridge Springs after a DUI increases to $1088 for a six month policy. While the rate increases by $1198 for a six-month policy in the case of a speeding ticket.

Cambridge Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1198	$199
Cell phone violation	$1398	$238
Failure to wear a seat belt	$1398	$233
Failure to stop at a red light	$1412	$240
Illegal turn	$1412	$235
Improper passing	$1412	$240
Speeding in school zone	$1412	$235
Texting while driving	$1412	$240
Driving with expired registration	$1418	$237
Speeding 16 - 20 MPH over limit	$1418	$241
Wrong way/wrong lane	$1431	$239
Open container	$1515	$257
Reckless driving	$2208	$368
Racing	$2246	$382
DUI	$2286	$380
Driving with a suspended license	$2299	$391
Leaving scene of an accident/hit and run	$2318	$386

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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 Springs 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 Springs.

The cheapest car insurance premiums in Cambridge Springs are offered by American National P&C at $350 for a six-month policy. However, it can be as expensive as $3011 with companies like Nationwide.

Cambridge Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$350	$58
Travelers	$751	$126
Erie	$938	$158
Allstate	$1042	$175
Progressive	$1139	$192
State Farm	$1328	$223
USAA	$1334	$225
Nationwide	$3011	$507

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 Springs are offered by Westfield at $136. However, it can be as expensive as $2098 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cambridge Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Auto-Owners Insurance Co	$174	$29
Erie	$602	$101
State Farm	$771	$130
Travelers	$835	$141
USAA	$1237	$206
Allstate	$1476	$251
Progressive	$1775	$295
Nationwide	$2098	$356

Car Insurance Price Trends in Cambridge Springs, Pennsylvania

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

The average cost of full coverage in the Cambridge Springs rose by $199 in January compared to $184 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Cambridge Springs rose to $49 in January, compared to $41 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cambridge Springs?

The car insurance in Cambridge Springs is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Cambridge Springs?

The cheapest car insurance in Cambridge Springs is $66 per month for full coverage.

How much is car insurance in Cambridge Springs for teenagers?

Car insurance for teenagers costs $162 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 Springs?

The average cost of car insurance is $813 for a six-month policy. It will cost around $148 per month to insure your car in Cambridge Springs.

Is car insurance expensive in Cambridge Springs?

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

Cheapest Car Insurance Quotes in Cambridge Springs

Why you can trust Way?

How Much Is Car Insurance in Cambridge Springs

Avg. Car Insurance in Cambridge Springs

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Cambridge Springs

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Cambridge Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Cambridge Springs, PA

Way's key takeaways about car insurance in Cambridge Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cambridge Springs

Cheapest Liability Coverage in Cambridge Springs, PA

Cheapest Full Coverage Car Insurance in Cambridge Springs

Cheapest Full Coverage Car Insurance Quotes in Cambridge Springs, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cambridge Springs by Rating Factor

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

Car Insurance Premiums by Age in Cambridge Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cambridge Springs,PA

If you are in your twenties N/A is the best choice for car insurance in Cambridge Springs.

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 Springs

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

Cambridge Springs Car Insurance Rates by Violation

Cambridge Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cambridge Springs after a DUI

Cambridge Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cambridge Springs after Speeding ticket

Car Insurance Price Trends in Cambridge Springs, Pennsylvania

Average Car Insurance Cost in Cambridge Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cambridge Springs, PA

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