Cheapest Car Insurance Quotes in Central Point

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Central Point Car Insurance

^$ 42

/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 $924 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, 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

$924

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Central Point

1st place: Kemper

At $405 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 $643 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 $711 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 $405 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $643.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1759 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	$405	$69
Capital Insurance Group	$643	$107
American Family	$711	$120
Travelers	$798	$134
Progressive	$817	$138
Encompass	$848	$142
USAA	$874	$147
Nationwide	$880	$148
State Farm	$885	$149
Country Financial	$904	$152
Mutual of Enumclaw	$1167	$198
Farmers	$1335	$225
Allstate	$1759	$296

Key Takeaways

Way's key takeaways about car insurance in Central Point

The auto insurance costs in Central Point fall around $405 for six months.
The cheapest auto insurance company in Central Point is Kemper.
Teen drivers pay the highest rate in Central Point at $1061 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 $250. Allstate is the most expensive at $929 for the same period.

Cheapest Liability Coverage in Central Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$250	$42
Capital Insurance Group	$331	$57
State Farm	$356	$60
USAA	$356	$60
American Family	$374	$63
Travelers	$374	$63
Progressive	$380	$64
Country Financial	$443	$75
California Casualty	$474	$79
Nationwide	$499	$84
Farmers	$692	$117
Allstate	$929	$156

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 $69 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Central Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$405	$69
Capital Insurance Group	$643	$107
American Family	$711	$120
Travelers	$798	$134
Progressive	$817	$138
Encompass	$848	$142
USAA	$874	$147
Nationwide	$880	$148
State Farm	$885	$149
Country Financial	$904	$152
Mutual of Enumclaw	$1167	$198
Farmers	$1335	$225
Allstate	$1759	$296

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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	$603
30s	USAA	$491
40s	USAA	$456
50s	USAA	$438
60s	USAA	$456
70s	USAA	$554

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 $39 per month. At $6299 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$231	$39
Capital Insurance Group	$393	$65
Country Financial	$1298	$218
USAA	$1379	$232
Travelers	$1398	$235
State Farm	$1653	$278
American Family	$2039	$343
Progressive	$2133	$359
Nationwide	$4073	$693
Allstate	$6299	$1061
Farmers	$6299	$1061

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 $603 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 $418 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 $4254 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$418	$69
Capital Insurance Group	$486	$83
Nationwide	$605	$101
Progressive	$898	$151
American Family	$1092	$184
Country Financial	$1197	$202
Travelers	$1260	$212
USAA	$1572	$268
Allstate	$3199	$533
Farmers	$3399	$578
State Farm	$4254	$709

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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 $331 and $393, respectively. Allstate is an expensive provider with an average six-month premium of $2781.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$331	$55
Capital Insurance Group	$393	$67
Capital	$443	$74
Encompass	$492	$84
State Farm	$674	$113
Travelers	$749	$126
USAA	$792	$133
Progressive	$885	$149
American Family	$998	$168
Nationwide	$998	$168
Country Financial	$1048	$176
Farmers	$2289	$385
Allstate	$2781	$468

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 $654 for a six month policy. While the rate increases by $236 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	$880	$147
One Med/PIP claim	$880	$149
Not-at-fault accident	$910	$152
One comp claim	$929	$158
Two Med/PIP claims	$942	$156
Failure to wear a seat belt	$1004	$171
Two comp claims	$1029	$171
Child safety restraint	$1042	$177
Failure to show documents	$1042	$173
Driving without lights	$1048	$179
Driving with expired registration	$1073	$179
Speeding 11 - 15 MPH over limit	$1116	$190
Speeding 16 - 20 MPH over limit	$1116	$186
Speeding 6 - 10 MPH over limit	$1116	$190
Cell phone violation	$1122	$187
Driving too slowly	$1122	$191
Failure to yield	$1122	$187
Following too closely	$1122	$191
Illegal turn	$1122	$187
Texting while driving	$1122	$191
Wrong way/wrong lane	$1122	$187
Failure to stop at a red light	$1129	$192
Improper passing	$1129	$188
Passing school bus	$1173	$200
Speeding in school zone	$1173	$195
In 65 MPH zone	$1192	$203
Speeding 21 - 25 MPH over limit	$1197	$200
Open container	$1235	$210
At-fault accident - less than $1000	$1266	$211
Operating a vehicle without permission	$1273	$216
At-fault accident - $1000-$2000	$1347	$225
At-fault accident - greater than $2000	$1347	$229
Refusal to submit to a chemical test	$1509	$252
Racing	$1515	$257
DUI	$1534	$256
Reckless driving	$1540	$261
Driving with a suspended license	$1553	$259
Leaving scene of an accident/hit and run	$1603	$273

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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 $456 for a six-month policy. However, it can be as expensive as $2451 with companies like Nationwide.

Central Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$456	$78
Kemper	$562	$93
Progressive	$698	$118
Travelers	$898	$151
State Farm	$942	$159
American Family	$1054	$177
USAA	$1173	$197
Farmers	$2202	$371
Country Financial	$2239	$377
Allstate	$2264	$381
Nationwide	$2451	$417

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 $306. However, it can be as expensive as $2862 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	$306	$51
Capital Insurance Group	$368	$63
Nationwide	$499	$83
State Farm	$586	$99
Progressive	$749	$126
American Family	$755	$127
Travelers	$910	$153
USAA	$923	$156
Country Financial	$961	$162
Allstate	$2289	$390
Farmers	$2862	$477

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 $209 in January compared to $202 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Central Point remained steady at $75 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Central Point?

The car insurance in Central Point is $42 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 $69 per month for full coverage.

How much is car insurance in Central Point for teenagers?

Car insurance for teenagers costs $231 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 $880 for a six-month policy. It will cost around $155 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 $405 for a six-month policy.