For a 40-year-old driver with a clean record, Cambridge car insurance averages about $158 a month ($1,893 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 20% below the Maryland average of $197 a month. GEICO has the lowest full-coverage average in Cambridge among insurers open to all drivers, at about $123 a month.
Cambridge, on the Choptank River, is one of the less expensive places in Maryland to insure a car. Our benchmark driver pays about $39 a month less here than the state average.
Our data uses Cambridge’s ZIP code, 21613, so the city and ZIP code averages are the same.
Cost data comes from the auto rates insurers file with state regulators, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Cambridge averages $1,893 a year, or about $158 a month, for our benchmark driver. Minimum liability at 20/40/15 limits averages $802 a year ($67 a month), and 50/100/50 liability with comprehensive and collision averages $1,874 ($156 a month).
GEICO’s Cambridge average is 13% below State Farm’s. Travelers and Nationwide aren’t in the Quadrant rate data we analyze. Every published 2026 Maryland rate study we reviewed ranks GEICO cheapest statewide, with Travelers or Nationwide often next; our Cambridge estimates are about $134 a month for Travelers and $126 for Nationwide. For minimum liability, GEICO has the lowest average among the insurers we rank, at about $41 a month, followed by Erie at $49.
Full-coverage averages by insurer in Cambridge
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $331 | $28 | $1,257 | $105 |
| GEICO | $493 | $41 | $1,472 | $123 |
| State Farm | $674 | $56 | $1,702 | $142 |
| Erie | $584 | $49 | $1,736 | $145 |
| Progressive | $1,176 | $98 | $1,848 | $154 |
| Allstate | $1,553 | $129 | $3,340 | $278 |
| Nationwide* | $917 | $76 | $1,511 | $126 |
| Travelers* | $704 | $59 | $1,612 | $134 |
| Cambridge average | $802 | $67 | $1,893 | $158 |
This table uses Cambridge’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $19 a year in our Cambridge data, with the same $500 deductibles. That’s under $2 a month for three times the injury protection per crash and double the property damage limit.
Not for our benchmark driver. Comparing the same insurers in the same Cambridge ZIP code, full coverage averaged $1,746 a year in rates as of Nov. 30, 2025 and $1,603 as of Aug. 31, 2026, an 8.2% drop. Erie and State Farm each cut their Cambridge averages by about 13% and Progressive by about 10%, while GEICO’s didn’t change. Allstate isn’t part of that comparison because it joined our Maryland data in 2026.
Cambridge’s price matches Dorchester County’s, which averages $1,893 a year for full coverage in our data. That’s among the five least expensive of Maryland’s 24 jurisdictions.
Across the Choptank, Talbot County averages $1,847, the lowest in the state.
More Maryland cities and towns are in the Maryland rates by city table, and you can compare states on our car insurance rates by state page.
Easton averages about $154 a month in our data and Hurlock about $158, close to Cambridge. Salisbury runs about $3 more a month.
Drivers in Cambridge follow Maryland’s rules. To register and drive a car, your policy must include at least:
That’s often written as 30/60/15. You can waive PIP in writing for a lower premium, but you’d give up no-fault coverage for your own medical bills and lost wages. Our Maryland requirements guide covers the details, including the penalties for letting your coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Maryland Insurance Administration and the Maryland MVA. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Cambridge averages about $158 a month ($1,893 a year) and minimum liability about $67 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 20% below the Maryland average of $197 a month.
GEICO has the lowest full-coverage average among insurers open to all drivers in our Cambridge rate data, at about $123 a month, followed by State Farm and Erie, effectively tied at about $142 to $145. USAA is lower at about $105 a month, but only for military members, veterans and their families. Rates vary by driver, so compare quotes for your own car and ZIP code.
A little. In our data, Cambridge full coverage averages about $158 a month and Salisbury about $161, for the same driver and car.
In our data, minimum liability at 20/40/15 limits averages about $67 a month in Cambridge, and GEICO has the lowest average among insurers open to all drivers, at about $41.
In our Cambridge data, full coverage (100/300/100 with $500 deductibles) averages about $158 a month and minimum liability at 20/40/15 limits about $67, a difference of about $91 a month ($1,091 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Cambridge full coverage fell 8.2% between November 2025 and August 2026, from about $1,746 to $1,603 a year.
