Cheapest Car Insurance Quotes in Ashland

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Ashland Car Insurance

^$ 38

/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 Ashland

The car insurance rate in Ashland is $817 for a six-month policy, which is $43 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Ashland 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 Ashland

$817

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Ashland

1st place: Kemper

At $367 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 $581 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 $683 for six months, making it the third cheapest auto insurance company in Ashland.

Ashland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ashland, OR is Kemper, offering policies at just $367 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $581.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1501 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ashland drivers find the best deals.

Cheap Car Insurance Companies in Ashland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$63
Capital Insurance Group	$581	$97
American Family	$683	$115
Country Financial	$700	$118
Travelers	$728	$123
Progressive	$751	$126
Encompass	$768	$130
State Farm	$785	$132
Nationwide	$796	$134
USAA	$796	$134
Mutual of Enumclaw	$1055	$180
Farmers	$1117	$188
Allstate	$1501	$253

Key Takeaways

Way's key takeaways about car insurance in Ashland

The auto insurance costs in Ashland fall around $367 for six months.
The cheapest auto insurance company in Ashland is Kemper.
Teen drivers pay the highest rate in Ashland at $889 per month.

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Cheapest Minimum Liability Car Insurance in Ashland

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 Ashland are given below.

Kemper provides the cheapest minimum car insurance coverage in Ashland. Their Average 6 Month Premium is $226. Allstate is the most expensive at $818 for the same period.

Cheapest Liability Coverage in Ashland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$226	$38
Capital Insurance Group	$299	$51
State Farm	$322	$54
USAA	$333	$56
Progressive	$350	$59
Travelers	$350	$59
Country Financial	$355	$60
American Family	$390	$66
California Casualty	$428	$71
Nationwide	$451	$76
Farmers	$604	$102
Allstate	$818	$138

Cheapest Full Coverage Car Insurance in Ashland

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 Ashland is Kemper at $63 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ashland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$63
Capital Insurance Group	$581	$97
American Family	$683	$115
Country Financial	$700	$118
Travelers	$728	$123
Progressive	$751	$126
Encompass	$768	$130
State Farm	$785	$132
Nationwide	$796	$134
USAA	$796	$134
Mutual of Enumclaw	$1055	$180
Farmers	$1117	$188
Allstate	$1501	$253

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Average Car Insurance in Ashland 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 Ashland, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Ashland, 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, Ashland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ashland

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	$606
30s	USAA	$494
40s	USAA	$458
50s	USAA	$440
60s	USAA	$458
70s	USAA	$557

Cheapest Car Insurance Rates for Teen Drivers in Ashland,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ashland at $35 per month. At $5282 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$209	$35
Capital Insurance Group	$355	$59
Country Financial	$942	$159
Travelers	$1247	$210
USAA	$1321	$222
State Farm	$1405	$237
American Family	$1925	$324
Progressive	$2178	$367
Nationwide	$3685	$627
Farmers	$5242	$883
Allstate	$5282	$889

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 Ashland.

As young drivers face the highest rates in Ashland, USAA offers the cheapest auto insurance rates at $606 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 Ashland, Kemper is the cheapest car insurance provider. At $378 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 Ashland is State Farm, offering rates of around $2883 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$378	$63
Capital Insurance Group	$440	$75
Nationwide	$547	$91
Country Financial	$881	$148
Progressive	$908	$153
American Family	$1078	$181
Travelers	$1174	$198
USAA	$1495	$255
Allstate	$2574	$428
Farmers	$2618	$446
State Farm	$2883	$481

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Car Insurance Rates with An Accident in Ashland

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

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

The cheapest car insurance companies after an at-fault accident in Ashland include Kemper and Capital Insurance Group, offering $299 and $355, respectively. Allstate is an expensive provider with an average six-month premium of $2353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$299	$49
Capital Insurance Group	$355	$61
Capital	$401	$67
Encompass	$446	$76
State Farm	$593	$100
Travelers	$689	$116
USAA	$706	$119
Country Financial	$773	$130
Progressive	$818	$138
Nationwide	$903	$152
American Family	$960	$162
Farmers	$1868	$314
Allstate	$2353	$396

Ashland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ashland OR. For example, the car insurance in Ashland after a DUI increases to $592 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Ashland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$796	$133
One Med/PIP claim	$796	$135
Not-at-fault accident	$824	$138
One comp claim	$841	$143
Two Med/PIP claims	$852	$142
Failure to wear a seat belt	$908	$155
Two comp claims	$931	$155
Child safety restraint	$942	$161
Failure to show documents	$942	$157
Driving without lights	$948	$162
Driving with expired registration	$971	$162
Speeding 11 - 15 MPH over limit	$1010	$172
Speeding 16 - 20 MPH over limit	$1010	$168
Speeding 6 - 10 MPH over limit	$1010	$172
Cell phone violation	$1016	$169
Driving too slowly	$1016	$173
Failure to yield	$1016	$169
Following too closely	$1016	$173
Illegal turn	$1016	$169
Texting while driving	$1016	$173
Wrong way/wrong lane	$1016	$169
Failure to stop at a red light	$1021	$174
Improper passing	$1021	$170
Passing school bus	$1061	$181
Speeding in school zone	$1061	$177
In 65 MPH zone	$1078	$183
Speeding 21 - 25 MPH over limit	$1083	$181
Open container	$1117	$190
At-fault accident - less than $1000	$1146	$191
Operating a vehicle without permission	$1151	$196
At-fault accident - $1000-$2000	$1219	$203
At-fault accident - greater than $2000	$1219	$207
Refusal to submit to a chemical test	$1365	$228
Racing	$1371	$233
DUI	$1388	$232
Reckless driving	$1394	$237
Driving with a suspended license	$1405	$235
Leaving scene of an accident/hit and run	$1451	$247

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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 Ashland 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 Ashland.

The cheapest car insurance premiums in Ashland are offered by Capital Insurance Group at $412 for a six-month policy. However, it can be as expensive as $2217 with companies like Nationwide.

Ashland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$412	$70
Kemper	$508	$85
Progressive	$643	$108
State Farm	$818	$138
Travelers	$824	$139
American Family	$1027	$173
USAA	$1117	$188
Country Financial	$1292	$218
Farmers	$1800	$303
Allstate	$1913	$322
Nationwide	$2217	$377

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 Ashland are offered by Kemper at $276. However, it can be as expensive as $2195 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ashland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$276	$47
Capital Insurance Group	$333	$57
Nationwide	$451	$75
State Farm	$485	$82
Country Financial	$711	$120
Progressive	$711	$120
American Family	$728	$123
Travelers	$841	$142
USAA	$841	$141
Allstate	$1839	$313
Farmers	$2195	$366

Car Insurance Price Trends in Ashland, Oregon

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

The average cost of full coverage in the Ashland rose by $182 in December compared to $180 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Ashland rose to $67 in December, compared to $66 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ashland?

The car insurance in Ashland is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Ashland?

The cheapest car insurance in Ashland is $63 per month for full coverage.

How much is car insurance in Ashland for teenagers?

Car insurance for teenagers costs $209 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 Ashland?

The average cost of car insurance is $860 for a six-month policy. It will cost around $138 per month to insure your car in Ashland.

Is car insurance expensive in Ashland?

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

What is the best car insurance in Ashland, OR?

The best car insurance company in Ashland OR is Kemper, offering $367 for a six-month policy.