Car insurance Cambridge, ON​

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Cambridge

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in Cambridge, Ontario

Cambridge, Ontario is comprised of three neighbouring towns that merged into one municipal identity, but they still keep their identities as extended neighbourhoods. The city as a whole sits in a great position just south-east of Kitchener and south-west of Guelph.

This gives its residents highly manageable commuting distances to work in a dense population centre outside of Toronto.

That’s a good thing, because it reduces the overall commuting distance for the city’s entire working population. Even better, just over half of Cambridge’s workforce works right inside the city.

This reduces their exposure to risk on the road (and reducing their car insurance rates accordingly).

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Cambridge

Myth: Cambridge is a dangerous place to live.

Not overall. The crime severity index for the Waterloo Region (including Cambridge) is 70, which is on the upper-high end for Ontario. London scored 78, and Greater Sudbury scored 84. Brantford scored 90, and Windsor scored 95. It’s not just a 100-point scale, either. Some communities have scores in the 200s and 300s. Cambridge is doing pretty well.

Myth: Cambridge is just a bedroom community.

Cambridge is not just a bedroom community for Toronto. According to Statistics Canada, 54% of the city’s workforce commutes to work within the city. Beyond that, most commuters travel to nearby cities like Guelph, Kitchener, and Waterloo. No one wants to drive on the 401 that early in the morning.

Myth: Few job opportunities outweigh the low car insurance rates.

Wrong. Cambridge’s unemployment rate in the 2016 Census was only 6.4% compared to the national average of 7% in that same year (and the majority of the workforce works inside the city). You can also commute to Kitchener, Waterloo, Guelph, Milton, Woodstock, or anywhere in smaller towns around the area.

Myth: Student populations drive irresponsibly in Cambridge.

Most schools in the area are actually located in Kitchener, Waterloo, and Guelph, with the exception of one building from Conestoga College sitting within Cambridge’s limits. It’s just not a university or college town, so you don’t see many students on the city’s streets. They need bus access from one end of Kitchener to the southern end, most often.

How Cambridge’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Quick tips on insurance and driving in Cambridge

Avoid Cambridge’s most dangerous intersections.

Some intersections are dangerous for everybody. Avoid these ones and protect your car insurance rates.

Sorry, Hespeler Road!

  • Hespeler Road and Bishop Street
  • Maple Grove Road and Fischer Mills Road
  • Queen Street, Beaverdale, and Hespeler
  • Can Amera Parkway and Hespeler Road
  • King Street and Bishop Street

Consider comprehensive car insurance for overland flood damage to your car.

The Grand River runs right through Cambridge, and the city also gets a fair amount of precipitation. That results in flood warnings now and again (as recently as January 2020).

Look into comprehensive coverage to protect your car in case you’re in an area affected by floods or just living close to the river bank.

Commuting to Kitchener, Waterloo, or Guelph? Take back roads.

There’s a reasonable chance your job is in another city. If that’s the case, then avoid the 401 and Kitchener-Waterloo’s intra-city highways if possible. The 401 sees slowdowns and fender-benders quite a bit, and the intra-city highways are high-speed spaghetti junctions.

Take back roads instead. They’re less travelled, reducing your chance of being involved in a collision. Your auto rates will thank you.

Cambridge Insurance FAQs

What impacts Cambridge auto insurance?

The short average commuting distance of residents who work within the city lowers Cambridge’s average auto insurance rates. In contrast, in municipalities like Vaughn, Ajax and Whitby, a higher percentage of the population commuting on major highways to more densely populated locations in the GTA increases the risk of accidents and insurance premiums. 

In addition to your city, your postal code is another factor that insurers use to determine what drivers pay for auto insurance. As a result, neighbourhoods with relatively low crime and collision rates can also enjoy lower average car insurance prices. 

Learn more about how your address affects your car insurance here

Check out our exploration of car insurance in Kitchener for more insights into auto coverage in the Waterloo Region. 

How can I get cheap car insurance in Cambridge, Ontario?

A reliable way for Cambridge residents to find better auto insurance prices is to work with an insurance brokerage representing multiple major Canadian insurance companies. Comparing quote options before your current auto policy renews helps guarantee you pay the best price for the insurance you need. 

You can receive a free, guaranteed online quote at aha insurance in three minutes. You can also speak with one of our expert brokers to ensure you have the best coverage for your needs. 

In addition to where you live and the insurance policy you choose, there are other things you can do to lower how much you pay for car insurance. A crucial strategy is maintaining a good driving record so at-fault accidents and traffic tickets don’t raise your rates. 

Bundling your home and auto insurance policies with the same insurer can help you get a better deal on coverage. For example, you can save up to 50% off home and 18% off car insurance when you bundle your coverage with aha.

Take a look at our guide with more tips on how to lower car insurance in Ontario.

How do Cambridge's rates compare to other cities in Ontario?

The average cost of car insurance in Cambridge is lower than the Ontario average. In 2021, Cambridge residents paid an average of $1,412 for their annual insurance policies compared to the provincial average of $1,555. 

The Ontario cities with the cheapest average auto insurance rates include smaller municipalities like Cornwall and Port Hope. However, Cambridge residents can pay significantly less for auto insurance than those in many cities in the Greater Toronto Area, which tend to have the highest car insurance rates in the province

Sources for facts about Cambridge:

  • Statistics Canada, Cambridge 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Maclean’s, “Canada’s Most Dangerous Places 2019”
  • Global News, “Top 10 worst intersections in Waterloo region”
  • Cambridge Times, “Closures remain as Cambridge and North Dumfries dry out from flooding”
  • Bike WR via YouTube, “Navigating a Pedestrian Crossing”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

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