Cheapest Car Insurance Quotes in Boring

Finding the cheapest car insurance quotes in Boring shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Boring Car Insurance

^$ 57

/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 $1250 for a six-month policy, which is $370 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $548, 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

$1250

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Boring

1st place: Kemper

At $548 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 $869 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 $961 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 $548 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $869.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2379 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	$548	$94
Capital Insurance Group	$869	$145
American Family	$961	$162
Travelers	$1079	$182
Progressive	$1105	$186
Encompass	$1147	$192
USAA	$1181	$199
Nationwide	$1190	$200
State Farm	$1197	$202
Country Financial	$1223	$206
Mutual of Enumclaw	$1578	$268
Farmers	$1805	$304
Allstate	$2379	$400

Key Takeaways

Way's key takeaways about car insurance in Boring

The auto insurance costs in Boring fall around $548 for six months.
The cheapest auto insurance company in Boring is Kemper.
Teen drivers pay the highest rate in Boring at $1434 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $338. Allstate is the most expensive at $1257 for the same period.

Cheapest Liability Coverage in Boring, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$338	$57
Capital Insurance Group	$447	$77
State Farm	$481	$81
USAA	$481	$81
American Family	$506	$85
Travelers	$506	$85
Progressive	$514	$87
Country Financial	$599	$101
California Casualty	$640	$107
Nationwide	$675	$114
Farmers	$936	$158
Allstate	$1257	$212

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 $94 per month and $548 for six months.

Cheapest Full Coverage Car Insurance Quotes in Boring, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$548	$94
Capital Insurance Group	$869	$145
American Family	$961	$162
Travelers	$1079	$182
Progressive	$1105	$186
Encompass	$1147	$192
USAA	$1181	$199
Nationwide	$1190	$200
State Farm	$1197	$202
Country Financial	$1223	$206
Mutual of Enumclaw	$1578	$268
Farmers	$1805	$304
Allstate	$2379	$400

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Boring Instantly!

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	$815
30s	USAA	$665
40s	USAA	$616
50s	USAA	$592
60s	USAA	$616
70s	USAA	$750

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 $53 per month. At $8519 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$312	$53
Capital Insurance Group	$531	$88
Country Financial	$1755	$295
USAA	$1864	$314
Travelers	$1890	$318
State Farm	$2235	$376
American Family	$2758	$464
Progressive	$2884	$486
Nationwide	$5508	$937
Allstate	$8519	$1434
Farmers	$8519	$1434

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 $815 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 $565 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 $5752 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$565	$94
Capital Insurance Group	$657	$112
Nationwide	$818	$136
Progressive	$1214	$204
American Family	$1477	$249
Country Financial	$1619	$273
Travelers	$1704	$287
USAA	$2126	$362
Allstate	$4327	$721
Farmers	$4597	$781
State Farm	$5752	$959

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Boring.

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 $447 and $531, respectively. Allstate is an expensive provider with an average six-month premium of $3762.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Capital Insurance Group	$531	$91
Capital	$599	$99
Encompass	$666	$114
State Farm	$912	$153
Travelers	$1012	$170
USAA	$1071	$180
Progressive	$1197	$202
American Family	$1349	$227
Nationwide	$1349	$227
Country Financial	$1417	$239
Farmers	$3096	$521
Allstate	$3762	$633

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 $885 for a six month policy. While the rate increases by $319 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	$1190	$199
One Med/PIP claim	$1190	$202
Not-at-fault accident	$1231	$206
One comp claim	$1257	$213
Two Med/PIP claims	$1274	$212
Failure to wear a seat belt	$1358	$231
Two comp claims	$1392	$231
Child safety restraint	$1409	$240
Failure to show documents	$1409	$234
Driving without lights	$1417	$241
Driving with expired registration	$1451	$241
Speeding 11 - 15 MPH over limit	$1509	$257
Speeding 16 - 20 MPH over limit	$1509	$251
Speeding 6 - 10 MPH over limit	$1509	$257
Cell phone violation	$1518	$253
Driving too slowly	$1518	$258
Failure to yield	$1518	$253
Following too closely	$1518	$258
Illegal turn	$1518	$253
Texting while driving	$1518	$258
Wrong way/wrong lane	$1518	$253
Failure to stop at a red light	$1527	$260
Improper passing	$1527	$254
Passing school bus	$1586	$270
Speeding in school zone	$1586	$264
In 65 MPH zone	$1612	$274
Speeding 21 - 25 MPH over limit	$1619	$270
Open container	$1670	$284
At-fault accident - less than $1000	$1713	$285
Operating a vehicle without permission	$1721	$293
At-fault accident - $1000-$2000	$1822	$304
At-fault accident - greater than $2000	$1822	$310
Refusal to submit to a chemical test	$2041	$341
Racing	$2049	$348
DUI	$2075	$346
Reckless driving	$2083	$354
Driving with a suspended license	$2100	$351
Leaving scene of an accident/hit and run	$2168	$369

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $616 for a six-month policy. However, it can be as expensive as $3314 with companies like Nationwide.

Boring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$616	$105
Kemper	$760	$126
Progressive	$944	$159
Travelers	$1214	$204
State Farm	$1274	$214
American Family	$1426	$240
USAA	$1586	$267
Farmers	$2978	$501
Country Financial	$3027	$510
Allstate	$3062	$515
Nationwide	$3314	$564

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 $413. However, it can be as expensive as $3871 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	$413	$70
Capital Insurance Group	$497	$85
Nationwide	$675	$112
State Farm	$792	$133
Progressive	$1012	$170
American Family	$1021	$172
Travelers	$1231	$207
USAA	$1248	$212
Country Financial	$1299	$219
Allstate	$3096	$527
Farmers	$3871	$645

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 $283 in January compared to $273 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Boring remained steady at $101 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Boring?

The car insurance in Boring is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Boring?

The cheapest car insurance in Boring is $94 per month for full coverage.

How much is car insurance in Boring for teenagers?

Car insurance for teenagers costs $312 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 $880 for a six-month policy. It will cost around $210 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 $548 for a six-month policy.