Cheapest Car Insurance Quotes in Bayside Gardens

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Bayside Gardens Car Insurance

^$ 46

/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 Bayside Gardens

The car insurance rate in Bayside Gardens is $1012 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Bayside Gardens 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 Bayside Gardens

$1012

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Bayside Gardens

1st place: Kemper

At $444 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 $704 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 $779 for six months, making it the third cheapest auto insurance company in Bayside Gardens.

Bayside Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bayside Gardens, OR is Kemper, offering policies at just $444 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $704.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1926 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bayside Gardens drivers find the best deals.

Cheap Car Insurance Companies in Bayside Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$444	$76
Capital Insurance Group	$704	$117
American Family	$779	$131
Travelers	$874	$147
Progressive	$895	$151
Encompass	$929	$155
USAA	$957	$161
Nationwide	$964	$162
State Farm	$969	$163
Country Financial	$990	$167
Mutual of Enumclaw	$1278	$217
Farmers	$1462	$246
Allstate	$1926	$324

Key Takeaways

Way's key takeaways about car insurance in Bayside Gardens

The auto insurance costs in Bayside Gardens fall around $444 for six months.
The cheapest auto insurance company in Bayside Gardens is Kemper.
Teen drivers pay the highest rate in Bayside Gardens at $1162 per month.

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Cheapest Minimum Liability Car Insurance in Bayside Gardens

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 Bayside Gardens are given below.

Kemper provides the cheapest minimum car insurance coverage in Bayside Gardens. Their Average 6 Month Premium is $274. Allstate is the most expensive at $1018 for the same period.

Cheapest Liability Coverage in Bayside Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$274	$46
Capital Insurance Group	$362	$62
State Farm	$390	$66
USAA	$390	$66
American Family	$409	$69
Travelers	$409	$69
Progressive	$416	$70
Country Financial	$485	$82
California Casualty	$519	$86
Nationwide	$546	$92
Farmers	$758	$128
Allstate	$1018	$171

Cheapest Full Coverage Car Insurance in Bayside Gardens

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 Bayside Gardens is Kemper at $76 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bayside Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$444	$76
Capital Insurance Group	$704	$117
American Family	$779	$131
Travelers	$874	$147
Progressive	$895	$151
Encompass	$929	$155
USAA	$957	$161
Nationwide	$964	$162
State Farm	$969	$163
Country Financial	$990	$167
Mutual of Enumclaw	$1278	$217
Farmers	$1462	$246
Allstate	$1926	$324

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Average Car Insurance in Bayside Gardens 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 Bayside Gardens, OR increasing?

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

Car Insurance Premiums by Age in Bayside Gardens

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	$660
30s	USAA	$538
40s	USAA	$499
50s	USAA	$480
60s	USAA	$499
70s	USAA	$607

Cheapest Car Insurance Rates for Teen Drivers in Bayside Gardens,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bayside Gardens at $43 per month. At $6899 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$253	$43
Capital Insurance Group	$430	$71
Country Financial	$1421	$239
USAA	$1510	$254
Travelers	$1531	$258
State Farm	$1810	$305
American Family	$2233	$376
Progressive	$2336	$393
Nationwide	$4461	$759
Allstate	$6899	$1162
Farmers	$6899	$1162

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 Bayside Gardens.

As young drivers face the highest rates in Bayside Gardens, USAA offers the cheapest auto insurance rates at $660 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 Bayside Gardens, Kemper is the cheapest car insurance provider. At $458 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 Bayside Gardens is State Farm, offering rates of around $4659 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$458	$76
Capital Insurance Group	$532	$91
Nationwide	$662	$110
Progressive	$983	$166
American Family	$1196	$201
Country Financial	$1311	$221
Travelers	$1380	$232
USAA	$1722	$293
Allstate	$3504	$584
Farmers	$3723	$633
State Farm	$4659	$776

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Car Insurance Rates with An Accident in Bayside Gardens

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bayside Gardens

The cheapest car insurance companies after an at-fault accident in Bayside Gardens include Kemper and Capital Insurance Group, offering $362 and $430, respectively. Allstate is an expensive provider with an average six-month premium of $3046.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$362	$60
Capital Insurance Group	$430	$74
Capital	$485	$81
Encompass	$539	$92
State Farm	$738	$124
Travelers	$820	$138
USAA	$867	$146
Progressive	$969	$163
American Family	$1093	$184
Nationwide	$1093	$184
Country Financial	$1148	$193
Farmers	$2507	$422
Allstate	$3046	$513

Bayside Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bayside Gardens OR. For example, the car insurance in Bayside Gardens after a DUI increases to $716 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.

Bayside Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$161
One Med/PIP claim	$964	$163
Not-at-fault accident	$997	$167
One comp claim	$1018	$173
Two Med/PIP claims	$1032	$171
Failure to wear a seat belt	$1099	$187
Two comp claims	$1127	$187
Child safety restraint	$1141	$194
Failure to show documents	$1141	$190
Driving without lights	$1148	$195
Driving with expired registration	$1175	$195
Speeding 11 - 15 MPH over limit	$1222	$208
Speeding 16 - 20 MPH over limit	$1222	$204
Speeding 6 - 10 MPH over limit	$1222	$208
Cell phone violation	$1229	$205
Driving too slowly	$1229	$209
Failure to yield	$1229	$205
Following too closely	$1229	$209
Illegal turn	$1229	$205
Texting while driving	$1229	$209
Wrong way/wrong lane	$1229	$205
Failure to stop at a red light	$1236	$210
Improper passing	$1236	$206
Passing school bus	$1285	$218
Speeding in school zone	$1285	$214
In 65 MPH zone	$1305	$222
Speeding 21 - 25 MPH over limit	$1311	$218
Open container	$1352	$230
At-fault accident - less than $1000	$1387	$231
Operating a vehicle without permission	$1394	$237
At-fault accident - $1000-$2000	$1475	$246
At-fault accident - greater than $2000	$1475	$251
Refusal to submit to a chemical test	$1653	$276
Racing	$1659	$282
DUI	$1680	$281
Reckless driving	$1687	$286
Driving with a suspended license	$1701	$284
Leaving scene of an accident/hit and run	$1756	$299

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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 Bayside Gardens 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 Bayside Gardens.

The cheapest car insurance premiums in Bayside Gardens are offered by Capital Insurance Group at $499 for a six-month policy. However, it can be as expensive as $2684 with companies like Nationwide.

Bayside Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$499	$85
Kemper	$615	$102
Progressive	$765	$129
Travelers	$983	$166
State Farm	$1032	$174
American Family	$1155	$194
USAA	$1285	$216
Farmers	$2412	$406
Country Financial	$2452	$413
Allstate	$2479	$417
Nationwide	$2684	$457

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 Bayside Gardens are offered by Kemper at $335. However, it can be as expensive as $3135 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bayside Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$335	$56
Capital Insurance Group	$402	$69
Nationwide	$546	$91
State Farm	$642	$108
Progressive	$820	$138
American Family	$827	$139
Travelers	$997	$168
USAA	$1011	$171
Country Financial	$1052	$177
Allstate	$2507	$427
Farmers	$3135	$522

Car Insurance Price Trends in Bayside Gardens, Oregon

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

The average cost of full coverage in the Bayside Gardens rose by $229 in January compared to $221 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 Bayside Gardens remained steady at $82 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 Bayside Gardens?

The car insurance in Bayside Gardens is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Bayside Gardens?

The cheapest car insurance in Bayside Gardens is $76 per month for full coverage.

How much is car insurance in Bayside Gardens for teenagers?

Car insurance for teenagers costs $253 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 Bayside Gardens?

The average cost of car insurance is $880 for a six-month policy. It will cost around $170 per month to insure your car in Bayside Gardens.

Is car insurance expensive in Bayside Gardens?

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

What is the best car insurance in Bayside Gardens, OR?

The best car insurance company in Bayside Gardens OR is Kemper, offering $444 for a six-month policy.