Cheapest Car Insurance Quotes in Baker City

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Baker City Car Insurance

^$ 35

/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 Baker City

The car insurance rate in Baker City is $757 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Baker City 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 Baker City

$757

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Baker City

1st place: Kemper

At $340 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 $539 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 $633 for six months, making it the third cheapest auto insurance company in Baker City.

Baker City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baker City, OR is Kemper, offering policies at just $340 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $539.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1390 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baker City drivers find the best deals.

Cheap Car Insurance Companies in Baker City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$58
Capital Insurance Group	$539	$90
American Family	$633	$106
Country Financial	$649	$109
Travelers	$674	$114
Progressive	$695	$117
Encompass	$711	$121
State Farm	$727	$122
Nationwide	$737	$124
USAA	$737	$124
Mutual of Enumclaw	$978	$166
Farmers	$1035	$174
Allstate	$1390	$234

Key Takeaways

Way's key takeaways about car insurance in Baker City

The auto insurance costs in Baker City fall around $340 for six months.
The cheapest auto insurance company in Baker City is Kemper.
Teen drivers pay the highest rate in Baker City at $824 per month.

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Cheapest Minimum Liability Car Insurance in Baker City

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 Baker City are given below.

Kemper provides the cheapest minimum car insurance coverage in Baker City. Their Average 6 Month Premium is $209. Allstate is the most expensive at $758 for the same period.

Cheapest Liability Coverage in Baker City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$209	$35
Capital Insurance Group	$277	$48
State Farm	$298	$50
USAA	$308	$52
Progressive	$324	$55
Travelers	$324	$55
Country Financial	$329	$55
American Family	$361	$61
California Casualty	$397	$66
Nationwide	$418	$70
Farmers	$560	$94
Allstate	$758	$128

Cheapest Full Coverage Car Insurance in Baker City

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 Baker City is Kemper at $58 per month and $340 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baker City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$58
Capital Insurance Group	$539	$90
American Family	$633	$106
Country Financial	$649	$109
Travelers	$674	$114
Progressive	$695	$117
Encompass	$711	$121
State Farm	$727	$122
Nationwide	$737	$124
USAA	$737	$124
Mutual of Enumclaw	$978	$166
Farmers	$1035	$174
Allstate	$1390	$234

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Average Car Insurance in Baker City 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 Baker City, OR increasing?

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

Car Insurance Premiums by Age in Baker City

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	$561
30s	USAA	$458
40s	USAA	$424
50s	USAA	$407
60s	USAA	$424
70s	USAA	$516

Cheapest Car Insurance Rates for Teen Drivers in Baker City,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Baker City at $33 per month. At $4893 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$194	$33
Capital Insurance Group	$329	$55
Country Financial	$873	$147
Travelers	$1155	$194
USAA	$1223	$206
State Farm	$1302	$219
American Family	$1783	$300
Progressive	$2018	$340
Nationwide	$3414	$581
Farmers	$4856	$818
Allstate	$4893	$824

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 Baker City.

As young drivers face the highest rates in Baker City, USAA offers the cheapest auto insurance rates at $561 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 Baker City, Kemper is the cheapest car insurance provider. At $350 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 Baker City is State Farm, offering rates of around $2671 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$58
Capital Insurance Group	$407	$70
Nationwide	$507	$84
Country Financial	$816	$137
Progressive	$841	$142
American Family	$999	$168
Travelers	$1088	$183
USAA	$1385	$236
Allstate	$2384	$397
Farmers	$2425	$413
State Farm	$2671	$445

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Car Insurance Rates with An Accident in Baker City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Baker City

The cheapest car insurance companies after an at-fault accident in Baker City include Kemper and Capital Insurance Group, offering $277 and $329, respectively. Allstate is an expensive provider with an average six-month premium of $2180.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$277	$46
Capital Insurance Group	$329	$56
Capital	$371	$62
Encompass	$413	$70
State Farm	$549	$92
Travelers	$638	$107
USAA	$654	$110
Country Financial	$716	$121
Progressive	$758	$128
Nationwide	$836	$141
American Family	$889	$150
Farmers	$1730	$291
Allstate	$2180	$367

Baker City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baker City OR. For example, the car insurance in Baker City after a DUI increases to $549 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Baker City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$737	$123
One Med/PIP claim	$737	$125
Not-at-fault accident	$763	$128
One comp claim	$779	$132
Two Med/PIP claims	$789	$131
Failure to wear a seat belt	$841	$143
Two comp claims	$862	$143
Child safety restraint	$873	$149
Failure to show documents	$873	$145
Driving without lights	$878	$150
Driving with expired registration	$899	$150
Speeding 11 - 15 MPH over limit	$935	$159
Speeding 16 - 20 MPH over limit	$935	$156
Speeding 6 - 10 MPH over limit	$935	$159
Cell phone violation	$941	$157
Driving too slowly	$941	$160
Failure to yield	$941	$157
Following too closely	$941	$160
Illegal turn	$941	$157
Texting while driving	$941	$160
Wrong way/wrong lane	$941	$157
Failure to stop at a red light	$946	$161
Improper passing	$946	$158
Passing school bus	$983	$167
Speeding in school zone	$983	$164
In 65 MPH zone	$999	$170
Speeding 21 - 25 MPH over limit	$1003	$167
Open container	$1035	$176
At-fault accident - less than $1000	$1061	$177
Operating a vehicle without permission	$1067	$181
At-fault accident - $1000-$2000	$1129	$188
At-fault accident - greater than $2000	$1129	$192
Refusal to submit to a chemical test	$1265	$211
Racing	$1270	$216
DUI	$1286	$215
Reckless driving	$1291	$219
Driving with a suspended license	$1302	$217
Leaving scene of an accident/hit and run	$1344	$229

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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 Baker City 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 Baker City.

The cheapest car insurance premiums in Baker City are offered by Capital Insurance Group at $382 for a six-month policy. However, it can be as expensive as $2054 with companies like Nationwide.

Baker City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$382	$65
Kemper	$471	$78
Progressive	$596	$100
State Farm	$758	$128
Travelers	$763	$128
American Family	$951	$160
USAA	$1035	$174
Country Financial	$1197	$202
Farmers	$1668	$281
Allstate	$1772	$298
Nationwide	$2054	$349

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 Baker City are offered by Kemper at $256. However, it can be as expensive as $2034 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Baker City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$256	$43
Capital Insurance Group	$308	$53
Nationwide	$418	$70
State Farm	$450	$76
Country Financial	$658	$111
Progressive	$658	$111
American Family	$674	$114
Travelers	$779	$131
USAA	$779	$130
Allstate	$1704	$290
Farmers	$2034	$339

Car Insurance Price Trends in Baker City, Oregon

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

The average cost of full coverage in the Baker City rose by $169 in December compared to $166 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 Baker City rose to $62 in December, compared to $61 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 Baker City?

The car insurance in Baker City is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Baker City?

The cheapest car insurance in Baker City is $58 per month for full coverage.

How much is car insurance in Baker City for teenagers?

Car insurance for teenagers costs $194 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 Baker City?

The average cost of car insurance is $860 for a six-month policy. It will cost around $128 per month to insure your car in Baker City.

Is car insurance expensive in Baker City?

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

What is the best car insurance in Baker City, OR?

The best car insurance company in Baker City OR is Kemper, offering $340 for a six-month policy.