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Burns Car Insurance
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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.
The car insurance rate in Burns is $774 for a six-month policy, which is $86 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $347, making it a popular choice for budget-conscious drivers. Rates in Burns 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.
At $347 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Capital Insurance Group offers auto insurance rates at $551 for a six-month policy, making it one of the cheapest to insure with.
American Family offers auto insurance rates at $647 for six months, making it the third cheapest auto insurance company in Burns.
Based on our research, the cheapest car insurance company in Burns, OR is Kemper, offering policies at just $347 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $551.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1422 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Burns drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $347 | $59 |
| Capital Insurance Group | $551 | $92 |
| American Family | $647 | $109 |
| Country Financial | $663 | $112 |
| Travelers | $689 | $116 |
| Progressive | $711 | $120 |
| Encompass | $727 | $123 |
| State Farm | $743 | $125 |
| Nationwide | $754 | $127 |
| USAA | $754 | $127 |
| Mutual of Enumclaw | $1000 | $170 |
| Farmers | $1058 | $178 |
| Allstate | $1422 | $239 |
Save up to $971/yr with our auto insurance quotes
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 Burns are given below.
Kemper provides the cheapest minimum car insurance coverage in Burns. Their Average 6 Month Premium is $214. Allstate is the most expensive at $775 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $214 | $36 |
| Capital Insurance Group | $284 | $49 |
| State Farm | $305 | $51 |
| USAA | $315 | $53 |
| Progressive | $331 | $56 |
| Travelers | $331 | $56 |
| Country Financial | $337 | $57 |
| American Family | $369 | $62 |
| California Casualty | $406 | $68 |
| Nationwide | $428 | $72 |
| Farmers | $572 | $96 |
| Allstate | $775 | $131 |
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 Burns is Kemper at $59 per month and $347 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $347 | $59 |
| Capital Insurance Group | $551 | $92 |
| American Family | $647 | $109 |
| Country Financial | $663 | $112 |
| Travelers | $689 | $116 |
| Progressive | $711 | $120 |
| Encompass | $727 | $123 |
| State Farm | $743 | $125 |
| Nationwide | $754 | $127 |
| USAA | $754 | $127 |
| Mutual of Enumclaw | $1000 | $170 |
| Farmers | $1058 | $178 |
| Allstate | $1422 | $239 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Burns, 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, Burns's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $574 |
| 30s | USAA | $468 |
| 40s | USAA | $434 |
| 50s | USAA | $417 |
| 60s | USAA | $434 |
| 70s | USAA | $527 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Burns at $33 per month. At $5004 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $198 | $33 |
| Capital Insurance Group | $337 | $56 |
| Country Financial | $893 | $150 |
| Travelers | $1182 | $199 |
| USAA | $1251 | $211 |
| State Farm | $1331 | $224 |
| American Family | $1823 | $307 |
| Progressive | $2064 | $347 |
| Nationwide | $3491 | $594 |
| Farmers | $4966 | $836 |
| Allstate | $5004 | $842 |
Teen Car Insurance Rates in OR by Age
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.
For those with poor credit scores in Burns, Kemper is the cheapest car insurance provider. At $358 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 Burns is State Farm, offering rates of around $2732 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $358 | $59 |
| Capital Insurance Group | $417 | $71 |
| Nationwide | $518 | $86 |
| Country Financial | $834 | $140 |
| Progressive | $860 | $145 |
| American Family | $1022 | $172 |
| Travelers | $1112 | $187 |
| USAA | $1417 | $241 |
| Allstate | $2438 | $406 |
| Farmers | $2480 | $422 |
| State Farm | $2732 | $455 |
Save up to $971/yr on car insurance rates in Burns.
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 Burns, OR, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Burns include Kemper and Capital Insurance Group, offering $284 and $337, respectively. Allstate is an expensive provider with an average six-month premium of $2229.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $284 | $47 |
| Capital Insurance Group | $337 | $58 |
| Capital | $380 | $63 |
| Encompass | $422 | $72 |
| State Farm | $562 | $95 |
| Travelers | $653 | $110 |
| USAA | $669 | $113 |
| Country Financial | $733 | $123 |
| Progressive | $775 | $131 |
| Nationwide | $855 | $144 |
| American Family | $909 | $153 |
| Farmers | $1769 | $298 |
| Allstate | $2229 | $375 |
Here is a list of driving violations that can increase your car insurance rates in Burns OR. For example, the car insurance in Burns after a DUI increases to $561 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $754 | $126 |
| One Med/PIP claim | $754 | $128 |
| Not-at-fault accident | $780 | $131 |
| One comp claim | $797 | $135 |
| Two Med/PIP claims | $807 | $134 |
| Failure to wear a seat belt | $860 | $147 |
| Two comp claims | $882 | $147 |
| Child safety restraint | $893 | $152 |
| Failure to show documents | $893 | $149 |
| Driving without lights | $898 | $153 |
| Driving with expired registration | $920 | $153 |
| Speeding 11 - 15 MPH over limit | $957 | $163 |
| Speeding 16 - 20 MPH over limit | $957 | $159 |
| Speeding 6 - 10 MPH over limit | $957 | $163 |
| Cell phone violation | $962 | $160 |
| Driving too slowly | $962 | $164 |
| Failure to yield | $962 | $160 |
| Following too closely | $962 | $164 |
| Illegal turn | $962 | $160 |
| Texting while driving | $962 | $164 |
| Wrong way/wrong lane | $962 | $160 |
| Failure to stop at a red light | $968 | $165 |
| Improper passing | $968 | $161 |
| Passing school bus | $1005 | $171 |
| Speeding in school zone | $1005 | $167 |
| In 65 MPH zone | $1022 | $174 |
| Speeding 21 - 25 MPH over limit | $1026 | $171 |
| Open container | $1058 | $180 |
| At-fault accident - less than $1000 | $1085 | $181 |
| Operating a vehicle without permission | $1091 | $185 |
| At-fault accident - $1000-$2000 | $1155 | $193 |
| At-fault accident - greater than $2000 | $1155 | $196 |
| Refusal to submit to a chemical test | $1293 | $216 |
| Racing | $1299 | $221 |
| DUI | $1315 | $220 |
| Reckless driving | $1320 | $224 |
| Driving with a suspended license | $1331 | $222 |
| Leaving scene of an accident/hit and run | $1374 | $234 |
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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.
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 Burns.
The cheapest car insurance premiums in Burns are offered by Capital Insurance Group at $391 for a six-month policy. However, it can be as expensive as $2101 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $391 | $67 |
| Kemper | $482 | $80 |
| Progressive | $609 | $103 |
| State Farm | $775 | $131 |
| Travelers | $780 | $131 |
| American Family | $973 | $164 |
| USAA | $1058 | $178 |
| Country Financial | $1224 | $206 |
| Farmers | $1706 | $287 |
| Allstate | $1813 | $305 |
| Nationwide | $2101 | $357 |
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 Burns are offered by Kemper at $262. However, it can be as expensive as $2080 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $262 | $44 |
| Capital Insurance Group | $315 | $54 |
| Nationwide | $428 | $71 |
| State Farm | $460 | $77 |
| Country Financial | $673 | $113 |
| Progressive | $673 | $113 |
| American Family | $689 | $116 |
| Travelers | $797 | $134 |
| USAA | $797 | $133 |
| Allstate | $1742 | $296 |
| Farmers | $2080 | $347 |
Car insurance rates in Burns have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Burns rose by $173 in December compared to $170 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 Burns rose to $64 in December, compared to $62 in November. This represents an increase of $2 when comparing December and November.
How much is car insurance in Burns?
The car insurance in Burns is $36 per month, which is lower than the national average.
What is the cheapest car insurance in Burns?
The cheapest car insurance in Burns is $59 per month for full coverage.
How much is car insurance in Burns for teenagers?
Car insurance for teenagers costs $198 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 Burns?
The average cost of car insurance is $860 for a six-month policy. It will cost around $131 per month to insure your car in Burns.
Is car insurance expensive in Burns?
Car insurance can be expensive in Burns if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Burns can be affordable.
What is the best car insurance in Burns, OR?
The best car insurance company in Burns OR is Kemper, offering $347 for a six-month policy.
Cut auto insurance costs in Burns right now.