Get the best rates, & the hometown customer service you deserve.


Get the best rates, & the hometown customer service you deserve.

WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN CAMBRIDGEWe have compiled some of the most relevant information about Cambridge car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.


People Live in Cambridge


One of the most popular areas of Cambridge


Median age of drivers in Cambridge

57 km

Average daily commute in Cambridge


Average annual premium in Cambridge


Average monthly premium in Cambridge

Living and Driving in Cambridge, Ontario

Cambridge is a lovely area that wraps around the east side of Kitchener in Ontario. Residents live in one of three areas, including Hespeler, Galt, and Preston.

The Grand River in Cambridge, Ontario flows right through the city center, and it is flanked by scenic trails and parks. Adventuresome visitors will enjoy activities such as birdwatching, hiking, fishing, and boating. The Grand River is the perfect place for taking out a canoe or kayak.

The town boasts beautiful architecture in its historic cathedrals and schoolhouses, and tours are well worth your time. Some of the best restaurants in the country sit along the Grand River when you are ready to grab a bite.

Golf aficionados have their pick of several beautiful golf courses sprinkled throughout the area.

Cambridge is perfect for a nice drive around the neighborhoods, where you can see various birds and other forms of wildlife, so be sure your Ontario auto insurance is in force and up to date before you head out to explore Cambridge.

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What Does My Auto Insurance Policy in Cambridge Cover?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.


Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.


Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.


There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.


These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

City by City Average Auto Insurance PremiumsHow does Cambridge compare to other cities in Ontario.

Ontario $1,505
Etobicoke $1,684
Niagara Falls $1,327
Mississauga $1,996
Waterloo $1,351
Orangeville $1,766
Grimsby $1,368
Hamilton $1,664
Cambridge $1,378
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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What Are Some Fun Activities in Cambridge, Ontario?

Cambridge is known for its scenic beauty as well as its history and architecture. You can get a taste of all Cambridge has to offer by visiting the following sites:

  • Fashion History Museum
  • Hiking on over 20 km of scenic trails
  • Shade’s Mills Conservation Area
  • Cambridge Butterfly Conservatory
  • Queen’s Square Art Gallery
  • Riverside Park
  • Cambridge Farmer’s Market
  • Cambridge Sculpture Garden
  • Cambridge Center for the Arts
  • Dunfield Theatre
  • Golfing at Galt Country Club
  • Tour McDougall Cottage
  • Tour the Former Galt Post Office with its Gothic Revival and Romanesque architecture
  • Tour the Forbes Textile Mill
  • Tour historic Langdon Hall


Cambridge is an area where you can enjoy the great outdoors without ever leaving town. If you are a history buff, foodie, or shopaholic, Cambridge has you covered as well.

Cambridge Roads and Neighborhoods

Cambridge is a popular residential area because you can access it from the east or west side, using Highway 401. Other main thoroughfares are Hespeler Road (Highway 24), Dickson St., and Highway 8.

The backroads will also take you into neighboring cities such as Kitchener, Guelph, Brantford, Hamilton, London, Toronto, and Niagara Falls.

While it is easy to get around by car in Cambridge, there are also plenty of options for public transportation. Hop on a bus, train or consider a car share service. Moreover, Cambridge is a walkable city. It is common to see people walking, jogging, or cycling around town.

Wherever you go in Cambridge, you will find the city to be easily accessible for people with disabilities, and people are welcoming to a diverse group of people.

The following section will allow you to get better acquainted with the charming neighborhoods in Cambridge.


The Hespeler neighborhood is a family-friendly area with lots of skating rinks, soccer fields, and hiking trails. The school district is top-notch, and you can get to the commercial district in about ten minutes.

Most of the homes are single-family homes or semi-detached dwellings. The architecture is so beautiful that filmmakers chose this spot for shows such as The Handmaid’s Tale, American Gods, and Designated Survivor.


In Galt, you will find unique older homes filled with charm and character. From the brick exteriors to the original features inside, such homes are a thing of beauty for new home buyers and renovators.

Homes are surrounded by mature trees and well-maintained gardens. Many homeowners have lived in Galt for decades, and that is a testimony to what a beautiful place it is to live in.

While Galt is not as commercial as some other areas in Cambridge, you will find small restaurants and boutiques there, and the prices are a bit lower than in other areas.


In Preston, you can get to almost anywhere in Cambridge quickly, and you will have quick access to Highway 401. Preston is a safe community that boasts affordable housing.

Preston is a good place to live if you enjoy bicycling or walking through a nice park. You will get all the conveniences and amenities you want in Preston, yet it maintains its charm and character.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.


Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

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