Cheap Car Insurance in Cambridge, OH
Everything You Need to Know About Auto Insurance in Ohio
Cambridge is the seat of Guernsey County in southeastern Ohio and is at the crossroads of Interstates 70 and 77. The city has been known since the early 1900s for its quality glassmaking at Cambridge Glass. Its approximately 13,000 residents enjoy outdoor activities at Salt Fork State Park and the nearby Seneca Lake, as well as the 16 square miles of natural beauty Cambridge offers.
It’s a nice day for a hike with your family at Great Guernsey Trail. Before you hit the highway, protect those who matter to you most by buying the best car insurance in Ohio. Keep reading to learn how much you can expect to pay, what policies are available, and ways to save money on your rates.
How Much Does Car Insurance Cost in Cambridge, Ohio?
It’s about $30 a month for liability coverage and $98 for a full policy in Cambridge, Ohio. The national monthly average is $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
A minimum policy covers damage you cause others in an accident determined to be your fault. That means if you fail to yield when you turn left, such as from Steubenville Avenue onto Clark Street, and you smash into another car, your liability coverage will step in and pay for the other driver’s expenses (up to your policy limits).
A full policy in Ohio includes collision and comprehensive insurance along with the state minimum liability coverage. The collision portion would cover your vehicle’s damage. Comprehensive protection pays for loss from events like storm or fire damage, theft, vandalism, or damage from an animal.
There are add-ons you can purchase to cover other expenses, such as:
- Medical bills
- Towing expenses
- Rental car reimbursement
- Uninsured/underinsured motorist coverage
Your agent can provide additional details.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
If you live in the city rather than in a rural area, your coverage will most likely cost more. The reason is that city drivers are more likely to have accidents due to the increased number of drivers on the road.
As a Cambridge resident, you can expect to pay around the following rates for your policy:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Cambridge | $92 | $22 |
| Canal Winchester | $98 | $30 |
| Celina | $78 | $23 |
| Bucyrus | $82 | $23 |
| Springfield | $98 | $34 |
Affordable Cambridge Car Insurance Rates by Zip Code
Just like city rates can vary, zip codes within a city can vary due to variables in crime and claims rates. The lower these rates, the lower your policy rates will likely be.
Residents in the only zip code in Cambridge who drive will pay around the following monthly rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 43725 | $92 | $22 |
Low-Cost Car Insurance Rates by Age in Cambridge
Age is yet another factor agents consider when determining your rates. Your age will place you into a category with other drivers your age, which will help your agent decide on a rate. New drivers, especially teenagers, can expect to pay higher rates than drivers with experience.
You may pay around the following monthly premium at each age:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $384 | $111 |
| 20s | $106 | $25 |
| 30s | $92 | $22 |
| 40s | $82 | $21 |
| 50s | $77 | $19 |
| 60s | $78 | $21 |
| 70s | $93 | $27 |
* Methodology: We used the following demographic to determine the average monthly premiums for Cambridge residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Cambridge
How Many Fatal Accidents Happen in Cambridge?
The Cambridge Police Department reported no fatalities in 2023. The Ohio State Highway Patrol reported 4,643 enforcement stops and 800 investigated crashes in 2023. Officers also issued 156 driving with a suspended license and 342 safety belt citations.
Remember to buckle up and stay aware of erratic drivers for safety.
How Are the Road Infrastructure and Bridges in Cambridge?
The Cambridge Streets Department maintains the city’s streets, alleys, and traffic signals. The city’s streets are in good condition with minimal wear. Bridges like OH-22 and OH-209 are well-maintained two-lane roads with raised foot-traffic lanes.
Minimum Car Insurance Requirements in Cambridge
Just remember when you’re reviewing how much you’ll pay for your policy that other Cambridge residents are in the same boat — paying for coverage. Ohio residents must buy the following minimum insurance to drive legally:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability
That small premium gets you a lot of protection should you have a moment of distraction and cause a car crash. Isn’t it reassuring to know your policy would step in and cover the damage?
What Are the Penalties for Driving Without Insurance in Cambridge, Ohio?
If you’re still shopping around for insurance and risk a few drives without coverage, remember if you get caught, your penalties will cost you more than that $22 monthly payment:
- Loss of driver’s license
- Loss of vehicle registration
- Fee to reinstate license (up to $600)
- Legal fees
- SR-22 status (high-risk status)
While many insurers have special policies for high-risk drivers, your cost will be much higher than for drivers without high-risk status.
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Factors Allowed in Cambridge Car Insurance Rates
Along with your city, zip code, and age, your agent will ask you for some other information, including the following:
- Marital status
- Your profession
- Credit history
- Number of years you’ve been driving
- Your average mileage
Your agent will want to know your car’s age, make, and model. If you drive a cheaper car with a good safety rating, your rates will most likely be less. If you drive a vehicle that is expensive to repair or replace, such as a high-end automobile or a classic car, your rates will most likely be higher.
Your agent will also review your driving record, which is a major factor.
Auto Insurance Rates for Young Drivers vs. Older People in Cambridge, Ohio
Young drivers see the highest rates mostly due to their lack of driving experience. And if you’re a young single male driver, you’re in the category that statistics show has the highest number of accidents.
You’ll most likely see your rates drop as you reach your 20s, especially if you maintain a clean driving record with no tickets or claims. When you reach your 70s, you will likely see your rates begin to climb again. The reason is that people in this age group are more likely to have accidents than middle-aged drivers.
What Are the Best Discounts for Car Insurance in Cambridge, OH?
If you’re worrying about your insurance costs based on your age, don’t fret. There are ways you can find a discount for your premium. Here are a few examples:
If you’re between the ages of 60 and 70, you may be able to earn a defensive driving course discount. You’ll need to pass an accident prevention course and then show the certificate of completion to your agent. You’ll also need to have a prior clean driving record, usually for at least three years.
Get an Online Quote for Car Insurance in Cambridge Today!
Ohio is a great state with many historic and scenic places to visit. Before you take a road trip from Cambridge to Columbus or anywhere else in the state, make sure you protect yourself and your future with the best car coverage.
Our friendly Freeway Insurance agents can help find you the cheapest car policy in Cambridge. Just take a few minutes to fill out a quick online form, visit us at your local office, or call us at (800) 777-5620.