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Get Cheap Car Insurance in Central Point, OR
We monitor insurance prices, helping the average driver in Central Point save up to 34.7% on car insurance.
The Cheapest Minimum Coverage in Central Point
The chart below shows the cheapest car insurance company in Central Point for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Country Financial, and Travelers.
| Central Point Insurer | Monthly Cost |
|---|---|
| Metromile | $61 |
| State Farm | $61 |
| Country Financial | $68 |
| Travelers | $70 |
Savings for Every Kind of Central Point Driver
Based on our extensive insurance data, we know the average Central Point driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $450 per year by choosing the right vehicle insurance company. Some Central Point residents are paying out over $1,418 extra every year for auto insurance in Central Point. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Central Point, OR Savings / Yr. |
|---|---|
$450 |
|
$671 |
|
$546 |
|
$614 |
|
$1,630 |
|
$440 |
|
$525 |
Central Point Car Insurance vs. Oregon
People living in Central Point pay an average of 5.95% less than the typical driver in the state. The average driver in Central Point can expect to pay about $1,095 per year, or $1,418 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Central Point for most people.
Car Insurance Prices by Central Point Neighborhood
Insurance Prices
Where is insurance cheapest within Central Point?
The map shows insurance prices in and around Central Point, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $214 per year within the city boundaries, with insurance premiums ranging from a high of $1,547 to a low of $1,333. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Central Point.Pick the Best Car Insurance Company for You in Central Point
The best car insurance provider for most drivers in Central Point
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $450 over the average Central Point car insurance company.
The best car insurance provider for Central Point drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $671 over the competition.
The best car insurance company for Central Point drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $546 better than other car insurance companies.
The best auto insurance for Central Point drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $614 less each year.
The least expensive car insurance company for new and young drivers in Central Point
In Central Point, Country Financial costs young drivers $1,630 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Central Point
State Farm gave the largest car insurance discounts to married couples, averaging $440 saved each year compared to an average Central Point couple's premiums.
The cheapest car insurance in Central Point for drivers with bad credit
The best Central Point car insurance company for customer service
Nationwide was the best company for customer service in Central Point according to the NAIC.
Recent price drops
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The cheapest large national provider in Central Point
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Central Point driver can expect to pay about $97 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Central Point, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.Auto Insurance Prices in and Around Central Point
What Influences the Cost of Car Insurance in Central Point?
On average, car insurance in Central Point is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Central Point is 20 minutes, which is far less than average for a driver in the state.
- Oregon state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Central Point are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Central Point is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Central Point is $91 per month for minimum coverage and $118 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Medford: Insurance costs 3.10% more
- White City: Insurance costs 3.03% more
- Table Rock: Insurance costs 4.80% less
- Gold Hill: Insurance costs 4.58% less
- Jacksonville: Insurance costs 2.96% less
- Sams Valley: Insurance costs 4.72% less
- Phoenix: Insurance costs 5.15% more
- Eagle Point: Insurance costs 2.05% less
- Ruch: Insurance costs 3.10% less
- Talent: Insurance costs 1.06% less
Cities with Similar Populations
- Agawam Town: Insurance costs 7.26% more
- Ardmore: Insurance costs 20.94% more
- Austin: Insurance costs 12.91% more
- Barberton: Insurance costs 21.30% less
- Belton: Insurance costs 29.48% more
- North Platte: Insurance costs 0.35% more
- Ravenna: Insurance costs 21.37% less
- North Wales: Insurance costs 1.83% more
- Oak Forest: Insurance costs 14.81% more
- Oakdale: Insurance costs 22.99% more