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Finding the cheapest car insurance quotes in Princeton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $986 for a six-month policy, which is $106 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, 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.
At $432 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 $685 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 $758
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, OR is Kemper, offering policies at just $432 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $685.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1876 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.
Way's key takeaways about car insurance in Princeton
The auto insurance costs in Princeton fall around $432 for six
months.
The cheapest auto insurance company in Princeton is Kemper.
Teen drivers pay the highest rate in Princeton at $1131 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
Kemper provides
the cheapest minimum car insurance
coverage in Princeton. Their Average 6 Month Premium is $267.
Allstate is the most
expensive at $991 for the same
period.
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 Kemper
at $74 per month and $432
for six months.
Cheapest Full Coverage Car Insurance Quotes in Princeton,
OR
Get Your Car Insurance Quote in Princeton
Instantly!
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, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Princeton, 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, 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
USAA
$643
30s
USAA
$524
40s
USAA
$486
50s
USAA
$467
60s
USAA
$486
70s
USAA
$591
Cheapest Car Insurance Rates for Teen Drivers in
Princeton,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Princeton at $41
per
month. At $6719 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Princeton.
As young drivers face the highest rates in Princeton, USAA
offers the cheapest auto insurance rates at $643 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 Princeton,
Kemper is
the cheapest car insurance provider. At $446 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 State Farm, offering
rates of around $4537 for six
months.
Save up to $971/yr on car insurance rates in Princeton.
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, OR,
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 Kemper
and Capital Insurance Group, offering $353
and $419,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2967.
Here is a list of driving violations that can increase your car
insurance rates in Princeton OR. For example, the car
insurance in Princeton
after a DUI increases to $697 for a six
month policy. While the rate increases by $252 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
$939
$157
One Med/PIP claim
$939
$159
Not-at-fault accident
$971
$162
One comp claim
$991
$168
Two Med/PIP claims
$1005
$167
Failure to wear a seat belt
$1071
$183
Two comp claims
$1098
$183
Child safety restraint
$1111
$189
Failure to show documents
$1111
$185
Driving without lights
$1118
$190
Driving with expired registration
$1145
$190
Speeding 11 - 15 MPH over limit
$1191
$203
Speeding 16 - 20 MPH over limit
$1191
$198
Speeding 6 - 10 MPH over limit
$1191
$203
Cell phone violation
$1197
$199
Driving too slowly
$1197
$204
Failure to yield
$1197
$199
Following too closely
$1197
$204
Illegal turn
$1197
$199
Texting while driving
$1197
$204
Wrong way/wrong lane
$1197
$199
Failure to stop at a red light
$1204
$205
Improper passing
$1204
$200
Passing school bus
$1251
$213
Speeding in school zone
$1251
$208
In 65 MPH zone
$1271
$216
Speeding 21 - 25 MPH over limit
$1277
$213
Open container
$1317
$224
At-fault accident - less than $1000
$1351
$225
Operating a vehicle without permission
$1357
$231
At-fault accident - $1000-$2000
$1437
$240
At-fault accident - greater than $2000
$1437
$244
Refusal to submit to a chemical test
$1609
$269
Racing
$1616
$274
DUI
$1636
$273
Reckless driving
$1643
$279
Driving with a suspended license
$1656
$277
Leaving scene of an accident/hit and run
$1710
$291
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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 Capital Insurance Group at $486 for a six-month policy.
However, it can be as
expensive as $2614 with companies
like Nationwide.
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 Kemper
at $326. However,
it can be as expensive as $3053
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Princeton after Speeding ticket
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
$223 in January
compared to $215 of December. In other words, there has been an increase by $8 when you
compare January and December.
The average cost of liability insurance in the Princeton remained steady at $80 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in Princeton by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Princeton. At $1971 for a
six-month policy, insuring
your car at 97721 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Princeton?
The car insurance in Princeton is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Princeton?
The cheapest car insurance in Princeton
is $74 per month
for full coverage.
How much is car insurance in Princeton for teenagers?
Car insurance for teenagers costs $246 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 $880 for a six-month
policy. It will cost around $166 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.
What is the best car insurance in Princeton,
OR?
The best car insurance company in Princeton
OR is
Kemper, offering $432 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Princeton, OR
Car Insurance Rates by State in the USA (2025 Update)
Princeton Car Insurance
