Cheapest Car Insurance Quotes in Central Point

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Central Point Car Insurance

^$ 36

/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 Central Point

The car insurance rate in Central Point is $783 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $351, making it a popular choice for budget-conscious drivers. Rates in Central Point 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 Central Point

$783

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Central Point

1st place: Kemper

At $351 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $557 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $654 for six months, making it the third cheapest auto insurance company in Central Point.

Central Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Central Point, OR is Kemper, offering policies at just $351 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $557.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1438 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Central Point drivers find the best deals.

Cheap Car Insurance Companies in Central Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$351	$60
Capital Insurance Group	$557	$93
American Family	$654	$110
Country Financial	$671	$113
Travelers	$697	$117
Progressive	$719	$121
Encompass	$735	$125
State Farm	$752	$126
Nationwide	$763	$128
USAA	$763	$128
Mutual of Enumclaw	$1011	$172
Farmers	$1070	$180
Allstate	$1438	$242

Key Takeaways

Way's key takeaways about car insurance in Central Point

The auto insurance costs in Central Point fall around $351 for six months.
The cheapest auto insurance company in Central Point is Kemper.
Teen drivers pay the highest rate in Central Point at $852 per month.

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Cheapest Minimum Liability Car Insurance in Central Point

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 Central Point are given below.

Kemper provides the cheapest minimum car insurance coverage in Central Point. Their Average 6 Month Premium is $217. Allstate is the most expensive at $784 for the same period.

Cheapest Liability Coverage in Central Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$217	$36
Capital Insurance Group	$287	$49
State Farm	$308	$52
USAA	$319	$54
Progressive	$335	$56
Travelers	$335	$56
Country Financial	$340	$57
American Family	$373	$63
California Casualty	$410	$68
Nationwide	$432	$73
Farmers	$579	$97
Allstate	$784	$132

Cheapest Full Coverage Car Insurance in Central Point

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 Central Point is Kemper at $60 per month and $351 for six months.

Cheapest Full Coverage Car Insurance Quotes in Central Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$351	$60
Capital Insurance Group	$557	$93
American Family	$654	$110
Country Financial	$671	$113
Travelers	$697	$117
Progressive	$719	$121
Encompass	$735	$125
State Farm	$752	$126
Nationwide	$763	$128
USAA	$763	$128
Mutual of Enumclaw	$1011	$172
Farmers	$1070	$180
Allstate	$1438	$242

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Average Car Insurance in Central Point 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 Central Point, OR increasing?

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

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

Car Insurance Premiums by Age in Central Point

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$581
30s	USAA	$473
40s	USAA	$439
50s	USAA	$421
60s	USAA	$439
70s	USAA	$533

Cheapest Car Insurance Rates for Teen Drivers in Central Point,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Central Point at $34 per month. At $5060 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$200	$34
Capital Insurance Group	$340	$56
Country Financial	$903	$152
Travelers	$1195	$201
USAA	$1265	$213
State Farm	$1346	$227
American Family	$1844	$310
Progressive	$2087	$351
Nationwide	$3530	$601
Farmers	$5021	$845
Allstate	$5060	$852

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Central Point.

As young drivers face the highest rates in Central Point, USAA offers the cheapest auto insurance rates at $581 for six months.

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 Central Point, Kemper is the cheapest car insurance provider. At $362 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 Central Point is State Farm, offering rates of around $2762 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$362	$60
Capital Insurance Group	$421	$72
Nationwide	$524	$87
Country Financial	$844	$142
Progressive	$870	$147
American Family	$1033	$174
Travelers	$1125	$189
USAA	$1432	$244
Allstate	$2465	$410
Farmers	$2508	$427
State Farm	$2762	$460

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Car Insurance Rates with An Accident in Central Point

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 Central Point, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Central Point

The cheapest car insurance companies after an at-fault accident in Central Point include Kemper and Capital Insurance Group, offering $287 and $340, respectively. Allstate is an expensive provider with an average six-month premium of $2254.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$287	$47
Capital Insurance Group	$340	$58
Capital	$384	$64
Encompass	$427	$73
State Farm	$568	$96
Travelers	$660	$111
USAA	$676	$114
Country Financial	$741	$125
Progressive	$784	$132
Nationwide	$865	$146
American Family	$919	$155
Farmers	$1789	$301
Allstate	$2254	$379

Central Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Central Point OR. For example, the car insurance in Central Point after a DUI increases to $567 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Central Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$763	$127
One Med/PIP claim	$763	$129
Not-at-fault accident	$789	$132
One comp claim	$805	$137
Two Med/PIP claims	$816	$136
Failure to wear a seat belt	$870	$148
Two comp claims	$892	$148
Child safety restraint	$903	$154
Failure to show documents	$903	$150
Driving without lights	$908	$155
Driving with expired registration	$930	$155
Speeding 11 - 15 MPH over limit	$967	$165
Speeding 16 - 20 MPH over limit	$967	$161
Speeding 6 - 10 MPH over limit	$967	$165
Cell phone violation	$973	$162
Driving too slowly	$973	$166
Failure to yield	$973	$162
Following too closely	$973	$166
Illegal turn	$973	$162
Texting while driving	$973	$166
Wrong way/wrong lane	$973	$162
Failure to stop at a red light	$978	$167
Improper passing	$978	$163
Passing school bus	$1016	$173
Speeding in school zone	$1016	$169
In 65 MPH zone	$1033	$176
Speeding 21 - 25 MPH over limit	$1037	$173
Open container	$1070	$182
At-fault accident - less than $1000	$1097	$183
Operating a vehicle without permission	$1103	$187
At-fault accident - $1000-$2000	$1168	$195
At-fault accident - greater than $2000	$1168	$198
Refusal to submit to a chemical test	$1308	$218
Racing	$1313	$223
DUI	$1330	$222
Reckless driving	$1335	$227
Driving with a suspended license	$1346	$225
Leaving scene of an accident/hit and run	$1390	$237

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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 Central Point 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 Central Point.

The cheapest car insurance premiums in Central Point are offered by Capital Insurance Group at $395 for a six-month policy. However, it can be as expensive as $2124 with companies like Nationwide.

Central Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$395	$67
Kemper	$487	$81
Progressive	$616	$104
State Farm	$784	$132
Travelers	$789	$133
American Family	$984	$166
USAA	$1070	$180
Country Financial	$1238	$208
Farmers	$1724	$290
Allstate	$1833	$308
Nationwide	$2124	$361

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 Central Point are offered by Kemper at $265. However, it can be as expensive as $2103 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Central Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$265	$45
Capital Insurance Group	$319	$55
Nationwide	$432	$72
State Farm	$465	$78
Country Financial	$681	$115
Progressive	$681	$115
American Family	$697	$117
Travelers	$805	$136
USAA	$805	$135
Allstate	$1762	$299
Farmers	$2103	$350

Car Insurance Price Trends in Central Point, Oregon

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

The average cost of full coverage in the Central Point rose by $175 in December compared to $172 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Central Point rose to $65 in December, compared to $63 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Central Point?

The car insurance in Central Point is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Central Point?

The cheapest car insurance in Central Point is $60 per month for full coverage.

How much is car insurance in Central Point for teenagers?

Car insurance for teenagers costs $200 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 Central Point?

The average cost of car insurance is $860 for a six-month policy. It will cost around $132 per month to insure your car in Central Point.

Is car insurance expensive in Central Point?

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

What is the best car insurance in Central Point, OR?

The best car insurance company in Central Point OR is Kemper, offering $351 for a six-month policy.