Cheapest Car Insurance Quotes in Princeton

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Princeton Car Insurance

^$ 96

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Princeton

The car insurance rate in Princeton is $2293 for a six-month policy, which is $582 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1449, making it a popular choice for budget-conscious drivers. Rates in Princeton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Princeton

$2293

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Princeton

1st place: Travelers

At $1449 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1584 for six months, making it the third cheapest auto insurance company in Princeton.

Princeton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Princeton, FL is Travelers, offering policies at just $1449 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1513.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Princeton drivers find the best deals.

Cheap Car Insurance Companies in Princeton, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1449	$244
State Farm	$1513	$255
Nationwide	$1584	$267
United Automobile Ins Group	$1830	$311
UAIC	$2022	$340
Progressive	$2388	$402
Mercury	$3455	$576
Allstate	$3479	$586
MetLife	$2014	$343
Farmers	$3200	$533

Key Takeaways

Way's key takeaways about car insurance in Princeton

The auto insurance costs in Princeton fall around $1449 for six months.
The cheapest auto insurance company in Princeton is Mercury.
Teen drivers pay the highest rate in Princeton at $1851 per month.

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Cheapest Minimum Liability Car Insurance in Princeton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Princeton are given below.

Mercury provides the cheapest minimum car insurance coverage in Princeton. Their Average 6 Month Premium is $574. Farmers is the most expensive at $883 for the same period.

Cheapest Liability Coverage in Princeton, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$574	$96
Nationwide	$637	$109
MetLife	$669	$111
AIG	$748	$127
United Automobile Ins Group	$963	$161
Travelers	$1115	$188
State Farm	$1648	$277
Progressive	$2754	$464
Allstate	$3089	$520
UAIC	$3606	$614
Patrons Insurance	$168	$28
Farmers	$883	$147

Cheapest Full Coverage Car Insurance in Princeton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Princeton is Travelers at $244 per month and $1449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Princeton, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1449	$244
State Farm	$1513	$255
Nationwide	$1584	$267
United Automobile Ins Group	$1830	$311
UAIC	$2022	$340
Progressive	$2388	$402
Mercury	$3455	$576
Allstate	$3479	$586
MetLife	$2014	$343
Farmers	$3200	$533

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Average Car Insurance in Princeton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Princeton, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Princeton, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Princeton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Princeton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Princeton,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Princeton at $121 per month. At $10881 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$121
AIG	$980	$166
Travelers	$2618	$441
State Farm	$3232	$544
United Automobile Ins Group	$4513	$752
UAIC	$4624	$787
Allstate	$6877	$1158
Mercury	$8485	$1428
Progressive	$12473	$2100
Farmers	$10881	$1851

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Princeton, Nationwide is the cheapest car insurance provider. At $867 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Princeton is Farmers, offering rates of around $4426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$867	$147
Mercury	$947	$158
Direct General Insurance	$988	$168
UAIC	$2030	$338
Travelers	$2404	$405
Progressive	$6424	$1071
Allstate	$6877	$1170
State Farm	$8612	$1435
Farmers	$4426	$753

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Car Insurance Rates with An Accident in Princeton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Princeton, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Princeton

The cheapest car insurance companies after an at-fault accident in Princeton include Nationwide and AIG, offering $915 and $1170, respectively. Farmers is an expensive provider with an average six-month premium of $4465.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$915	$153
AIG	$1170	$198
State Farm	$1481	$249
Travelers	$1505	$253
United Automobile Ins Group	$2380	$397
Mercury	$2459	$414
UAIC	$2659	$444
Progressive	$4386	$738
Allstate	$6081	$1024
Farmers	$4465	$744

Princeton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Princeton FL. For example, the car insurance in Princeton after a DUI increases to $1257 for a six month policy. While the rate increases by $382 for a six-month policy in the case of a speeding ticket.

Princeton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2444	$407
One Med/PIP claim	$2444	$415
Not-at-fault accident	$2642	$441
Two Med/PIP claims	$2715	$461
One comp claim	$2754	$460
Child safety restraint	$2762	$469
Failure to wear a seat belt	$2762	$461
Driving without lights	$2770	$470
Failure to show documents	$2770	$462
Speeding 6 - 10 MPH over limit	$2826	$481
Improper passing	$2834	$472
Passing school bus	$2834	$482
Wrong way/wrong lane	$2834	$472
Failure to stop at a red light	$2842	$484
Failure to yield	$2842	$473
Illegal turn	$2842	$484
Cell phone violation	$2850	$474
Driving with expired registration	$2850	$485
Following too closely	$2850	$474
Texting while driving	$2857	$486
Two comp claims	$2921	$486
Driving too slowly	$2937	$500
Speeding in school zone	$2937	$489
Speeding 11 - 15 MPH over limit	$2945	$501
In 65 MPH zone	$3049	$508
Speeding 16 - 20 MPH over limit	$3049	$519
Speeding 21 - 25 MPH over limit	$3065	$511
Open container	$3097	$527
Operating a vehicle without permission	$3097	$516
At-fault accident - less than $1000	$3359	$571
At-fault accident - $1000-$2000	$3414	$570
At-fault accident - greater than $2000	$3414	$580
Racing	$3693	$615
DUI	$3701	$630
Refusal to submit to a chemical test	$3701	$616
Driving with a suspended license	$3765	$641
Reckless driving	$3844	$641
Leaving scene of an accident/hit and run	$3885	$661

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Princeton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Princeton.

The cheapest car insurance premiums in Princeton are offered by AIG at $860 for a six-month policy. However, it can be as expensive as $3638 with companies like Farmers.

Princeton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$860	$146
Travelers	$1648	$277
State Farm	$2046	$344
Progressive	$2269	$382
Allstate	$3073	$517
UAIC	$3606	$600
Farmers	$3638	$606

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Princeton are offered by Nationwide at $748. However, it can be as expensive as $3885 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Princeton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$748	$125
State Farm	$1194	$201
Travelers	$1473	$248
UAIC	$2030	$346
Allstate	$2196	$370
Progressive	$5158	$876
Farmers	$3885	$661

Car Insurance Price Trends in Princeton, Florida

Car insurance rates in Princeton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Princeton rose by $379 in March compared to $343 of February. In other words, there has been an increase by $36 when you compare March and February.

The average cost of liability insurance in the Princeton rose to $257 in March, compared to $111 in February. This represents an increase of $146 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Princeton?

The car insurance in Princeton is $96 per month, which is lower than the national average.

What is the cheapest car insurance in Princeton?

The cheapest car insurance in Princeton is $244 per month for full coverage.

How much is car insurance in Princeton for teenagers?

Car insurance for teenagers costs $725 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Princeton?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $385 per month to insure your car in Princeton.

Is car insurance expensive in Princeton?

Car insurance can be expensive in Princeton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Princeton can be affordable.

Cheapest Car Insurance Quotes in Princeton

Why you can trust Way?

How Much Is Car Insurance in Princeton

Avg. Car Insurance in Princeton

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Princeton

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Princeton Car Insurance Rates by Company

Cheap Car Insurance Companies in Princeton, FL

Way's key takeaways about car insurance in Princeton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Princeton

Cheapest Liability Coverage in Princeton, FL

Cheapest Full Coverage Car Insurance in Princeton

Cheapest Full Coverage Car Insurance Quotes in Princeton, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Princeton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Princeton, FL increasing?

Car Insurance Premiums by Age in Princeton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Princeton,FL

If you are in your twenties N/A is the best choice for car insurance in Princeton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Princeton

Cheapest Car Insurance Companies after an At-Fault Accident in Princeton

Princeton Car Insurance Rates by Violation

Princeton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Princeton after a DUI

Princeton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Princeton after Speeding ticket

Car Insurance Price Trends in Princeton, Florida

Average Car Insurance Cost in Princeton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Princeton, FL

Car Insurance Rates by State in the USA (2025 Update)

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