Cheapest Car Insurance Quotes in Beavercreek

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Beavercreek Car Insurance

^$ 47

/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 Beavercreek

The car insurance rate in Beavercreek is $1015 for a six-month policy, which is $155 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Beavercreek 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 Beavercreek

$1015

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Beavercreek

1st place: Kemper

At $455 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 $722 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 $848 for six months, making it the third cheapest auto insurance company in Beavercreek.

Beavercreek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beavercreek, OR is Kemper, offering policies at just $455 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $722.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1864 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beavercreek drivers find the best deals.

Cheap Car Insurance Companies in Beavercreek, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$78
Capital Insurance Group	$722	$120
American Family	$848	$143
Country Financial	$870	$146
Travelers	$904	$152
Progressive	$932	$157
Encompass	$953	$162
State Farm	$975	$164
Nationwide	$989	$166
USAA	$989	$166
Mutual of Enumclaw	$1311	$223
Farmers	$1388	$234
Allstate	$1864	$314

Key Takeaways

Way's key takeaways about car insurance in Beavercreek

The auto insurance costs in Beavercreek fall around $455 for six months.
The cheapest auto insurance company in Beavercreek is Kemper.
Teen drivers pay the highest rate in Beavercreek at $1104 per month.

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Cheapest Minimum Liability Car Insurance in Beavercreek

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 Beavercreek are given below.

Kemper provides the cheapest minimum car insurance coverage in Beavercreek. Their Average 6 Month Premium is $281. Allstate is the most expensive at $1016 for the same period.

Cheapest Liability Coverage in Beavercreek, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$281	$47
Capital Insurance Group	$372	$64
State Farm	$400	$67
USAA	$413	$70
Progressive	$434	$73
Travelers	$434	$73
Country Financial	$441	$74
American Family	$484	$81
California Casualty	$532	$89
Nationwide	$561	$94
Farmers	$750	$126
Allstate	$1016	$171

Cheapest Full Coverage Car Insurance in Beavercreek

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 Beavercreek is Kemper at $78 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beavercreek, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$78
Capital Insurance Group	$722	$120
American Family	$848	$143
Country Financial	$870	$146
Travelers	$904	$152
Progressive	$932	$157
Encompass	$953	$162
State Farm	$975	$164
Nationwide	$989	$166
USAA	$989	$166
Mutual of Enumclaw	$1311	$223
Farmers	$1388	$234
Allstate	$1864	$314

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Average Car Insurance in Beavercreek 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 Beavercreek, OR increasing?

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

Car Insurance Premiums by Age in Beavercreek

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	$753
30s	USAA	$614
40s	USAA	$569
50s	USAA	$546
60s	USAA	$569
70s	USAA	$691

Cheapest Car Insurance Rates for Teen Drivers in Beavercreek,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Beavercreek at $44 per month. At $6561 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$260	$44
Capital Insurance Group	$441	$73
Country Financial	$1171	$197
Travelers	$1549	$261
USAA	$1640	$276
State Farm	$1745	$294
American Family	$2391	$402
Progressive	$2706	$455
Nationwide	$4577	$779
Farmers	$6511	$1096
Allstate	$6561	$1104

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 Beavercreek.

As young drivers face the highest rates in Beavercreek, USAA offers the cheapest auto insurance rates at $753 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 Beavercreek, Kemper is the cheapest car insurance provider. At $470 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 Beavercreek is State Farm, offering rates of around $3581 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$470	$78
Capital Insurance Group	$546	$93
Nationwide	$680	$113
Country Financial	$1094	$184
Progressive	$1128	$190
American Family	$1339	$225
Travelers	$1458	$245
USAA	$1857	$316
Allstate	$3197	$532
Farmers	$3252	$553
State Farm	$3581	$597

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Car Insurance Rates with An Accident in Beavercreek

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

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

The cheapest car insurance companies after an at-fault accident in Beavercreek include Kemper and Capital Insurance Group, offering $372 and $441, respectively. Allstate is an expensive provider with an average six-month premium of $2923.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$61
Capital Insurance Group	$441	$76
Capital	$498	$83
Encompass	$553	$94
State Farm	$736	$124
Travelers	$856	$144
USAA	$877	$148
Country Financial	$961	$162
Progressive	$1016	$171
Nationwide	$1121	$189
American Family	$1192	$201
Farmers	$2320	$391
Allstate	$2923	$492

Beavercreek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beavercreek OR. For example, the car insurance in Beavercreek after a DUI increases to $735 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Beavercreek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$989	$165
One Med/PIP claim	$989	$168
Not-at-fault accident	$1023	$171
One comp claim	$1044	$177
Two Med/PIP claims	$1058	$176
Failure to wear a seat belt	$1128	$192
Two comp claims	$1156	$192
Child safety restraint	$1171	$199
Failure to show documents	$1171	$195
Driving without lights	$1178	$201
Driving with expired registration	$1206	$201
Speeding 11 - 15 MPH over limit	$1254	$214
Speeding 16 - 20 MPH over limit	$1254	$209
Speeding 6 - 10 MPH over limit	$1254	$214
Cell phone violation	$1261	$210
Driving too slowly	$1261	$215
Failure to yield	$1261	$210
Following too closely	$1261	$215
Illegal turn	$1261	$210
Texting while driving	$1261	$215
Wrong way/wrong lane	$1261	$210
Failure to stop at a red light	$1269	$216
Improper passing	$1269	$211
Passing school bus	$1318	$224
Speeding in school zone	$1318	$219
In 65 MPH zone	$1339	$228
Speeding 21 - 25 MPH over limit	$1345	$224
Open container	$1388	$236
At-fault accident - less than $1000	$1423	$237
Operating a vehicle without permission	$1430	$243
At-fault accident - $1000-$2000	$1514	$253
At-fault accident - greater than $2000	$1514	$257
Refusal to submit to a chemical test	$1696	$283
Racing	$1703	$289
DUI	$1724	$288
Reckless driving	$1731	$294
Driving with a suspended license	$1745	$291
Leaving scene of an accident/hit and run	$1802	$307

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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 Beavercreek 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 Beavercreek.

The cheapest car insurance premiums in Beavercreek are offered by Capital Insurance Group at $512 for a six-month policy. However, it can be as expensive as $2754 with companies like Nationwide.

Beavercreek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$512	$87
Kemper	$631	$105
Progressive	$799	$135
State Farm	$1016	$171
Travelers	$1023	$172
American Family	$1276	$215
USAA	$1388	$234
Country Financial	$1605	$270
Farmers	$2236	$376
Allstate	$2377	$400
Nationwide	$2754	$468

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 Beavercreek are offered by Kemper at $343. However, it can be as expensive as $2727 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beavercreek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$58
Capital Insurance Group	$413	$71
Nationwide	$561	$93
State Farm	$603	$101
Country Financial	$883	$149
Progressive	$883	$149
American Family	$904	$152
Travelers	$1044	$176
USAA	$1044	$175
Allstate	$2284	$388
Farmers	$2727	$454

Car Insurance Price Trends in Beavercreek, Oregon

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

The average cost of full coverage in the Beavercreek rose by $227 in December compared to $223 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Beavercreek rose to $84 in December, compared to $81 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Beavercreek?

The car insurance in Beavercreek is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Beavercreek?

The cheapest car insurance in Beavercreek is $78 per month for full coverage.

How much is car insurance in Beavercreek for teenagers?

Car insurance for teenagers costs $260 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 Beavercreek?

The average cost of car insurance is $860 for a six-month policy. It will cost around $171 per month to insure your car in Beavercreek.

Is car insurance expensive in Beavercreek?

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

What is the best car insurance in Beavercreek, OR?

The best car insurance company in Beavercreek OR is Kemper, offering $455 for a six-month policy.