Cambridge drivers pay an average of $1,201/year — $570 less than the national average. With 113 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $157/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cambridge, OH from top carriers. Rates are adjusted for Cambridge's 113 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $454 | $76/mo |
| Erie Insurance | $480 | $80/mo |
| Progressive | $512 | $85/mo |
| State Farm | $564 | $94/mo |
| Allstate | $684 | $114/mo |
Estimates based on 2026 rate filings for ZIP 43725. GEICO is cheapest at ~$76/mo. Actual rates vary by driver profile and exact Cambridge location.
These Cambridge-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cambridge, OH. Takes under 2 minutes.
(888) 217-6781Cambridge is a smaller city in Ohio with a population of 10,089. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as lake-effect snow, severe thunderstorms, tornadoes, flooding, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Cambridge.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Cambridge can swing your premium by hundreds of dollars. Here's how rates compare across Cambridge neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 43731 | Cambridge South Side | $1,108/yr | $92/mo |
| 43730 | Cambridge North Side | $1,163/yr | $97/mo |
| 43737 | Cambridge West Side | $1,183/yr | $99/mo |
| 43727 | Cambridge East Side | $1,244/yr | $104/mo |
| 43725 | Cambridge Downtown/Central | $1,290/yr | $108/mo |
The cheapest ZIP is 43731 (Cambridge South Side) at $1,108/yr. The most expensive is 43725 (Cambridge Downtown/Central) at $1,290/yr — a $182/year difference for the same driver.
Your Cambridge ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cambridge. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,522/yr | $210/mo | +110% vs avg |
| Young Adult (20-25) | $1,681/yr | $140/mo | +40% vs avg |
| Adult (26-35) | $1,201/yr | $100/mo | 0% vs avg |
| Mid-Career (36-50) | $1,057/yr | $88/mo | -12% vs avg |
| Senior (51-65) | $997/yr | $83/mo | -17% vs avg |
| 65+ | $1,069/yr | $89/mo | -11% vs avg |
Teens in Cambridge pay an average of $2,522/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $997/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Ohio cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cambridge drivers can save up to $157/year. ZIP 43731 (Cambridge South Side) has the lowest rates starting at $1,108/yr.
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