Find Cheap Car Insurance in Cambridge, OH

Cambridge is a city steeped in history and natural beauty. Dating back to the 19th century, it combines small-town appeal with modern conveniences. Adventure awaits with a visit to the National Museum of Cambridge Glass, where over 10,000 locally crafted glass pieces await your exploration. Nature enthusiasts can revel in the surroundings of Salt Fork State Park, Ohio’s largest state park, offering a serene lake ideal for relaxation and outdoor activities.

When driving in Cambridge, it’s important to have auto insurance coverage as required by the state. Acceptance can provide you with the best affordable car insurance in Ohio, tailored to your needs, even if you don’t have a spotless driving record. Learn more about vehicle protection in the region and discover discounts available to you.

If you’re living in Cambridge, you can expect to pay about $22 a month for liability car insurance. That’s a great deal when you compare it to the national average of $52 and Ohio’s average of $28.

Thinking about upgrading to full auto coverage? Well, you might be looking at a monthly cost of around $92, which is cheaper than Ohio’s average of $100 and a whopping $76 less than the national average of $168.

Reasons Why Insurance is so Cheap in Ohio

Ever wonder why car insurance prices in Ohio are so reasonable? Well, it’s not just a stroke of luck. The state’s lower traffic congestion leads to fewer accidents and fewer claims, which translates to lower premiums for everyone.

On top of that, Ohio’s mild weather helps keep a lid on expensive weather-related damage, keeping insurance rates in check. What’s more, the competitive insurance market in Ohio means insurers are constantly vying for customers, driving down rates and making coverage more affordable for all Ohio residents.

Auto insurance costs in Cambridge vary compared to nearby urban areas due to factors such as weather patterns, the frequency of accidents, and rates of vehicle vandalism, all of which can influence insurance premiums. Below is a table that compares the average monthly premiums across different cities in Ohio:

Compare Car Insurance Rates by Zip Code in Cambridge

The location of your address can greatly impact on your insurance costs. However, in Cambridge, all residents share one zip code (43725), with drivers in the area paying around $22 per month for basic coverage and approximately $92 for a comprehensive plan.

Low-Cost Car Insurance Rates by Age in Cambridge

Car insurance for young drivers can significantly impact your finances. As drivers near their 30s, prices tend to drop until around age 65, but insurers may consider them a higher risk again at that point. Check out the monthly expense breakdown for different age groups in Cambridge in the table below:

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Cambridge, Ohio?

According to the Ohio State Highway Patrol, the Buckeye State sees around 1,154 fatal crashes every year.

In Guernsey County, where Cambridge is situated, there have only been 26 fatal crashes reported between 2018 and 2022. While these stats aren’t exactly cause for alarm, the possibility of fatal outcomes still exists, so it’s wise to steer clear of distractions behind the wheel.

Adopting safe driving habits can prevent accidents from impacting your insurance costs and reduce the likelihood of requiring high-risk auto coverage. By staying focused and attentive while driving, you not only keep yourself and others safe but also protect your finances from potential insurance hikes.

Are Road Infrastructure and Bridges in Cambridge Well Maintained?

The streets and infrastructure in the city of Cambridge are in good condition, thanks to The Ohio Department of Transportation allocating over $29 million in recent years for improvements, including bridge reconstructions and repaving projects. One notable example is the reconstruction of the Southgate Parkway Bridge, a project that reached nearly $14 million in investment.

In Cambridge and across Ohio, all drivers are required by law to have at least the state’s minimum liability insurance for their cars. That boils down to:

• $25,000 for bodily injury per person
• $50,000 for total bodily injury per accident
• $25,000 for property damage

While these are the minimums, many motorists choose to increase their coverage limits and have lower deductibles to ensure added protection in case of a significant accident.

Ohio holds the tenth spot for having one of the highest rates of uninsured drivers, and the state is taking serious steps to combat this.

Driving without auto insurance in the Buckeye State can result in harsh penalties, including license suspensions lasting from 90 days to two years, as well as the possibility of vehicle plate confiscation, registration suspension, and being obligated to carry high-risk insurance for several years.

Reinstating a license can involve fees ranging from $40 for a first offense to $600 for subsequent offenses, in addition to potential impound fees. Moreover, motorists with multiple coverage violations may be barred from registering a vehicle in Ohio for up to five years.

In Cambridge, what you pay for your insurance is like a blend of elements that make up your premium. Your age, location, car’s age and model, driving record, credit score, and yearly mileage all come together to cook up your rate.

Your agent takes this mix and tries to forecast how likely you are to file a claim compared to others who share similar driving traits.

Getting behind the wheel in Ohio is quite the experience, especially when you find yourself maneuvering through cities like Columbus and Cleveland, where traffic jams are practically an everyday occurrence. To add to the thrill, Ohio’s winters bring their own set of challenges to the roads, with icy surfaces and heavy snowfall making driving a true test of skill and patience.

The driving experience in Cambridge is a bit more relaxed compared to larger cities in the state. Traffic is generally lighter, and the city’s smaller size allows for easier navigation. However, during the winter months, drivers still need to be cautious, as the area can experience slippery road conditions due to snow and ice.

Are you searching for ways to reduce your insurance premiums and add some extra cash to your savings pot? Well, here’s a tip: taking advantage of auto insurance discounts could give your budget a boost.

In Cambridge, residents can benefit from a range of discounts, including:

In addition, if you bundle your auto policy with renters insurance or other plans, your total bill could shrink by 15%!