Cheapest Car Insurance Quotes in Boring

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Boring Car Insurance

^$ 50

/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 Boring

The car insurance rate in Boring is $1075 for a six-month policy, which is $215 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in Boring 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 Boring

$1075

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Boring

1st place: Kemper

At $483 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 $765 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 $899 for six months, making it the third cheapest auto insurance company in Boring.

Boring Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Boring, OR is Kemper, offering policies at just $483 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $765.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1975 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Boring drivers find the best deals.

Cheap Car Insurance Companies in Boring, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$483	$83
Capital Insurance Group	$765	$128
American Family	$899	$151
Country Financial	$921	$155
Travelers	$958	$161
Progressive	$988	$166
Encompass	$1010	$171
State Farm	$1033	$174
Nationwide	$1048	$176
USAA	$1048	$176
Mutual of Enumclaw	$1389	$236
Farmers	$1470	$248
Allstate	$1975	$333

Key Takeaways

Way's key takeaways about car insurance in Boring

The auto insurance costs in Boring fall around $483 for six months.
The cheapest auto insurance company in Boring is Kemper.
Teen drivers pay the highest rate in Boring at $1170 per month.

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Cheapest Minimum Liability Car Insurance in Boring

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 Boring are given below.

Kemper provides the cheapest minimum car insurance coverage in Boring. Their Average 6 Month Premium is $298. Allstate is the most expensive at $1076 for the same period.

Cheapest Liability Coverage in Boring, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$298	$50
Capital Insurance Group	$394	$68
State Farm	$424	$71
USAA	$438	$74
Progressive	$460	$78
Travelers	$460	$78
Country Financial	$468	$79
American Family	$513	$86
California Casualty	$564	$94
Nationwide	$594	$100
Farmers	$795	$134
Allstate	$1076	$181

Cheapest Full Coverage Car Insurance in Boring

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 Boring is Kemper at $83 per month and $483 for six months.

Cheapest Full Coverage Car Insurance Quotes in Boring, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$483	$83
Capital Insurance Group	$765	$128
American Family	$899	$151
Country Financial	$921	$155
Travelers	$958	$161
Progressive	$988	$166
Encompass	$1010	$171
State Farm	$1033	$174
Nationwide	$1048	$176
USAA	$1048	$176
Mutual of Enumclaw	$1389	$236
Farmers	$1470	$248
Allstate	$1975	$333

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Average Car Insurance in Boring 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 Boring, OR increasing?

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

Car Insurance Premiums by Age in Boring

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	$798
30s	USAA	$650
40s	USAA	$603
50s	USAA	$579
60s	USAA	$603
70s	USAA	$733

Cheapest Car Insurance Rates for Teen Drivers in Boring,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Boring at $46 per month. At $6950 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$275	$46
Capital Insurance Group	$468	$78
Country Financial	$1240	$209
Travelers	$1641	$276
USAA	$1738	$293
State Farm	$1849	$311
American Family	$2533	$426
Progressive	$2866	$483
Nationwide	$4849	$825
Farmers	$6898	$1161
Allstate	$6950	$1170

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 Boring.

As young drivers face the highest rates in Boring, USAA offers the cheapest auto insurance rates at $798 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 Boring, Kemper is the cheapest car insurance provider. At $498 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 Boring is State Farm, offering rates of around $3794 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$83
Capital Insurance Group	$579	$99
Nationwide	$720	$120
Country Financial	$1159	$195
Progressive	$1195	$201
American Family	$1419	$239
Travelers	$1545	$260
USAA	$1968	$335
Allstate	$3386	$564
Farmers	$3445	$586
State Farm	$3794	$633

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Car Insurance Rates with An Accident in Boring

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

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

The cheapest car insurance companies after an at-fault accident in Boring include Kemper and Capital Insurance Group, offering $394 and $468, respectively. Allstate is an expensive provider with an average six-month premium of $3096.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Capital Insurance Group	$468	$80
Capital	$528	$88
Encompass	$586	$100
State Farm	$780	$131
Travelers	$906	$153
USAA	$929	$156
Country Financial	$1018	$171
Progressive	$1076	$181
Nationwide	$1188	$200
American Family	$1263	$213
Farmers	$2458	$414
Allstate	$3096	$521

Boring Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Boring OR. For example, the car insurance in Boring after a DUI increases to $778 for a six month policy. While the rate increases by $281 for a six-month policy in the case of a speeding ticket.

Boring auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1048	$175
One Med/PIP claim	$1048	$178
Not-at-fault accident	$1084	$181
One comp claim	$1106	$188
Two Med/PIP claims	$1121	$186
Failure to wear a seat belt	$1195	$204
Two comp claims	$1225	$204
Child safety restraint	$1240	$211
Failure to show documents	$1240	$206
Driving without lights	$1248	$213
Driving with expired registration	$1278	$213
Speeding 11 - 15 MPH over limit	$1329	$226
Speeding 16 - 20 MPH over limit	$1329	$221
Speeding 6 - 10 MPH over limit	$1329	$226
Cell phone violation	$1336	$223
Driving too slowly	$1336	$228
Failure to yield	$1336	$223
Following too closely	$1336	$228
Illegal turn	$1336	$223
Texting while driving	$1336	$228
Wrong way/wrong lane	$1336	$223
Failure to stop at a red light	$1344	$229
Improper passing	$1344	$224
Passing school bus	$1396	$238
Speeding in school zone	$1396	$233
In 65 MPH zone	$1419	$241
Speeding 21 - 25 MPH over limit	$1425	$238
Open container	$1470	$250
At-fault accident - less than $1000	$1508	$251
Operating a vehicle without permission	$1515	$258
At-fault accident - $1000-$2000	$1604	$268
At-fault accident - greater than $2000	$1604	$273
Refusal to submit to a chemical test	$1796	$300
Racing	$1804	$306
DUI	$1826	$305
Reckless driving	$1834	$311
Driving with a suspended license	$1849	$309
Leaving scene of an accident/hit and run	$1909	$325

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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 Boring 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 Boring.

The cheapest car insurance premiums in Boring are offered by Capital Insurance Group at $543 for a six-month policy. However, it can be as expensive as $2918 with companies like Nationwide.

Boring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$543	$93
Kemper	$669	$111
Progressive	$846	$143
State Farm	$1076	$181
Travelers	$1084	$183
American Family	$1351	$228
USAA	$1470	$248
Country Financial	$1700	$286
Farmers	$2369	$399
Allstate	$2518	$424
Nationwide	$2918	$496

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 Boring are offered by Kemper at $364. However, it can be as expensive as $2889 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Boring after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$364	$61
Capital Insurance Group	$438	$75
Nationwide	$594	$99
State Farm	$639	$108
Country Financial	$935	$158
Progressive	$935	$158
American Family	$958	$161
Travelers	$1106	$186
USAA	$1106	$185
Allstate	$2420	$411
Farmers	$2889	$481

Car Insurance Price Trends in Boring, Oregon

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

The average cost of full coverage in the Boring rose by $240 in December compared to $236 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 Boring rose to $89 in December, compared to $86 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 Boring?

The car insurance in Boring is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Boring?

The cheapest car insurance in Boring is $83 per month for full coverage.

How much is car insurance in Boring for teenagers?

Car insurance for teenagers costs $275 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 Boring?

The average cost of car insurance is $860 for a six-month policy. It will cost around $181 per month to insure your car in Boring.

Is car insurance expensive in Boring?

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

What is the best car insurance in Boring, OR?

The best car insurance company in Boring OR is Kemper, offering $483 for a six-month policy.