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Cambridge car insurance can cost less than many people think. It does not matter if you are a student at the local university, someone living in the city, or you come from the nearby towns. The best way to save is to compare quotes. Free Price Compare lets you see car insurance choices in all of Cambridge. You can look at options from over 120 FCA-regulated insurers. Get quotes that fit you, based on your postcode, how you drive, and the kind of cover you want.

Average Car Insurance Cost in Cambridge

Cambridge drivers often pay a bit less for car insurance than most people in the UK. Many places, like Trumpington and Cherry Hinton in the suburbs, have lower costs. But if you live in the city centre, the price for car insurance can be higher. There is more traffic and a greater chance of accidents in that part of Cambridge.

Cambridge vs UK Average Premiums

Driver Profile Cambridge Avg Premium UK National Avg
Annual Premium £755 £834
Monthly Payments £63/month £69.50/month
Young Driver (Age 20) £1,875 £2,000
Over 50s Driver £345 £600

Based on quotes from Free Price Compare, May 2025.

Car Insurance by Cambridge Postcode

Premiums can go up or down based on where you live. If you live in an area with less crime and safer roads, you will usually get car insurance quotes that cost less.

Postcode Area Typical Annual Premium
CB1 £770
CB2 £760
CB3 £745
CB4 £735
CB5 £730

Types of Car Insurance Available in Cambridge

Third Party Only

This helps if you hurt someone or break their things. The law says you must have this, but it does not cover your own car.

Third Party, Fire and Theft

This plan covers fire damage and theft. It also protects you from third party claims. The plan meets the legal requirement for your vehicle. You get extra peace of mind on top of that.

Comprehensive Cover

This cover helps keep your car safe, even if you are the one who caused the problem. It also gives extras like a new car to use if yours is in the shop, help fixing the windscreen, and cover for things inside the car. This is why the main driver in the home usually chooses it as the top option.

Optional Extras

Drivers in Cambridge often add:

  • Temporary car insurance is right for you if you only need a car for a short time.
  • Student car insurance is for people who drive when they are at school or college.
  • Legal protection helps you if you need to make a claim or pay for a solicitor.
  • Breakdown cover gives you roadside assistance if your car stops working.
  • Business insurance is for anyone who uses their car for work.
  • Child car seats are covered if you have a car accident.

These choices are good if you want car insurance, roadside assistance, or cover for child car seats after a car accident.

What Affects Car Insurance Premiums in Cambridge?

Premiums depend on multiple factors:

  • Your postcode and the local risk level will affect the price you pay for car insurance.
  • Age and experience: If you are young or do not have a lot of practice, you are likely to pay more.
  • Car model and value: If the car you drive is costly or sporty, it means your car insurance will be higher.
  • Annual mileage: If you go fewer miles in a year, there is a chance your costs will be less.
  • Cover level: A third party policy is cheaper, but it does not give you the same cover as other car insurance options.
  • Voluntary excess: If you pick a higher excess, it may help you get a lower car insurance premium.
  • Claim history: If you have not made many car insurance claims, you will get better rates.
  • Payment method: If you pay all at once for your car insurance each year, it costs less than paying every month.
  • Your no claims discount: The more years you do not make a claim, the bigger your claims discount. This lowers your car insurance premiums.
What Affects Car Insurance Premiums in Cambridge

Student & Young Driver Car Insurance in Cambridge

Cambridge has a lot of students, so there are many young people who need insurance for young drivers. In Cambridge, you will find many providers that give special insurance for these drivers, including:

  • Black box insurance is great when you want car insurance that can give you rewards if you drive safe.
  • Low-mileage discounts are nice if you do not use your car all the time, so you can save money.
  • Short-term car insurance can be good if you only need cover for holidays or a college break.
  • Excess protection and help with legal costs make things feel safer and give you more peace of mind.
Car Model Avg Premium (Age 20, CB1)
Toyota Yaris (2021) £1,860
Fiat 500 (2022) £1,845
Hyundai i10 (2021) £1,835

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Add-Ons That Offer Extra Value

  • Uninsured driver protection helps if you are in a hit-and-run accident.
  • Windscreen cover helps if there is a chip or crack in your glass.
  • Courtesy car will be given to you while your car is being fixed.
  • Excess protection helps you get back the money you had to pay yourself.
  • Motorcycle insurance is there if your policy covers more than one vehicle.
  • Roadside assistance helps you if your car breaks down and you need help right away.
  • Legal expenses cover helps you with costs if there is a dispute and you need legal support.
FCA Regulation and Trusted Providers

FCA Regulation and Trusted Providers

All the car insurance providers on Free Price Compare are approved and watched by the Financial Conduct Authority. This means these insurance providers are trusted and safe to use. You can feel good knowing the FCA checks them to protect you.

  • The policy documents are easy to read, and the prices are fair.
  • Your personal data is safe and handled with care.
  • The claims process is quick and fair.
  • You will get support with both renewal and claims steps.

How to Compare Car Insurance in Cambridge

  1. Go to your car and give the details about your car and the driver.
  2. Pick the level of cover you want. You can also choose any optional extras if you need them.
  3. Look at quotes from a list of insurance companies in Cambridge. See what they give you.
  4. Pick the cheapest car insurance policy that works for you and your needs.

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Correct as of 05 June 2025

FAQs: Cambridge Car Insurance

Not all of the time. Many CB postcodes have car insurance that is cheaper than in most big cities. Do not forget to check the optional extras. You need to read your policy documents so you can see what is and is not covered.

Use Free Price Compare to look at deals on car insurance from over 120 FCA-regulated insurers. It is a good idea to check car insurance early. This can help you get the best price and give you peace of mind.

three weeks beforeyour renewal is due. This will help you get a good deal and save you some money.

Yes, when you pay in monthly instalments, there is often interest added to the amount. It is better to pay for a year at one time if you can. This way, you save some money and do not have added finance charges on your premium.

Look for short-term policies or telematics (black box) policies. These can give you more flexible and lower-cost cover. You might also want legal cover if you have a car accident or a dispute with someone.

Yes. You can get cover that lasts for a day or for a week. This works well if you have a short stay or if you are in Cambridge for a holiday.

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Page last updated on: 18/07/2025

Page reviewed by: Shay Ramani

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