Cheapest Car Insurance Quotes in Cedar Hills

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Cedar Hills 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 Cedar Hills

The car insurance rate in Cedar Hills is $1006 for a six-month policy, which is $146 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Cedar Hills 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 Cedar Hills

$1006

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Cedar Hills

1st place: Kemper

At $452 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 $716 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 $841 for six months, making it the third cheapest auto insurance company in Cedar Hills.

Cedar Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Hills, OR is Kemper, offering policies at just $452 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $716.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1849 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Hills drivers find the best deals.

Cheap Car Insurance Companies in Cedar Hills, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$452	$77
Capital Insurance Group	$716	$119
American Family	$841	$142
Country Financial	$862	$145
Travelers	$896	$151
Progressive	$924	$156
Encompass	$945	$160
State Farm	$966	$163
Nationwide	$980	$165
USAA	$980	$165
Mutual of Enumclaw	$1300	$221
Farmers	$1376	$232
Allstate	$1849	$311

Key Takeaways

Way's key takeaways about car insurance in Cedar Hills

The auto insurance costs in Cedar Hills fall around $452 for six months.
The cheapest auto insurance company in Cedar Hills is Kemper.
Teen drivers pay the highest rate in Cedar Hills at $1095 per month.

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Cheapest Minimum Liability Car Insurance in Cedar Hills

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 Cedar Hills are given below.

Kemper provides the cheapest minimum car insurance coverage in Cedar Hills. Their Average 6 Month Premium is $278. Allstate is the most expensive at $1007 for the same period.

Cheapest Liability Coverage in Cedar Hills, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$278	$47
Capital Insurance Group	$369	$63
State Farm	$397	$67
USAA	$410	$69
Progressive	$431	$73
Travelers	$431	$73
Country Financial	$438	$74
American Family	$480	$81
California Casualty	$528	$88
Nationwide	$556	$94
Farmers	$744	$125
Allstate	$1007	$170

Cheapest Full Coverage Car Insurance in Cedar Hills

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 Cedar Hills is Kemper at $77 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Hills, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$452	$77
Capital Insurance Group	$716	$119
American Family	$841	$142
Country Financial	$862	$145
Travelers	$896	$151
Progressive	$924	$156
Encompass	$945	$160
State Farm	$966	$163
Nationwide	$980	$165
USAA	$980	$165
Mutual of Enumclaw	$1300	$221
Farmers	$1376	$232
Allstate	$1849	$311

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Average Car Insurance in Cedar Hills 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 Cedar Hills, OR increasing?

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

Car Insurance Premiums by Age in Cedar Hills

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	$746
30s	USAA	$608
40s	USAA	$564
50s	USAA	$542
60s	USAA	$564
70s	USAA	$686

Cheapest Car Insurance Rates for Teen Drivers in Cedar Hills,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cedar Hills at $43 per month. At $6505 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$257	$43
Capital Insurance Group	$438	$73
Country Financial	$1161	$195
Travelers	$1536	$259
USAA	$1626	$274
State Farm	$1730	$291
American Family	$2370	$399
Progressive	$2683	$452
Nationwide	$4538	$772
Farmers	$6456	$1087
Allstate	$6505	$1095

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 Cedar Hills.

As young drivers face the highest rates in Cedar Hills, USAA offers the cheapest auto insurance rates at $746 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 Cedar Hills, Kemper is the cheapest car insurance provider. At $466 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 Cedar Hills is State Farm, offering rates of around $3551 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$466	$77
Capital Insurance Group	$542	$92
Nationwide	$674	$112
Country Financial	$1085	$183
Progressive	$1119	$188
American Family	$1328	$223
Travelers	$1446	$243
USAA	$1842	$314
Allstate	$3170	$528
Farmers	$3225	$549
State Farm	$3551	$592

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Car Insurance Rates with An Accident in Cedar Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Hills

The cheapest car insurance companies after an at-fault accident in Cedar Hills include Kemper and Capital Insurance Group, offering $369 and $438, respectively. Allstate is an expensive provider with an average six-month premium of $2898.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Capital Insurance Group	$438	$75
Capital	$494	$82
Encompass	$549	$94
State Farm	$730	$123
Travelers	$848	$143
USAA	$869	$146
Country Financial	$952	$160
Progressive	$1007	$170
Nationwide	$1112	$187
American Family	$1182	$199
Farmers	$2300	$387
Allstate	$2898	$488

Cedar Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Hills OR. For example, the car insurance in Cedar Hills after a DUI increases to $729 for a six month policy. While the rate increases by $264 for a six-month policy in the case of a speeding ticket.

Cedar Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$980	$164
One Med/PIP claim	$980	$166
Not-at-fault accident	$1014	$170
One comp claim	$1035	$176
Two Med/PIP claims	$1049	$174
Failure to wear a seat belt	$1119	$191
Two comp claims	$1147	$191
Child safety restraint	$1161	$198
Failure to show documents	$1161	$193
Driving without lights	$1168	$199
Driving with expired registration	$1196	$199
Speeding 11 - 15 MPH over limit	$1244	$212
Speeding 16 - 20 MPH over limit	$1244	$207
Speeding 6 - 10 MPH over limit	$1244	$212
Cell phone violation	$1251	$208
Driving too slowly	$1251	$213
Failure to yield	$1251	$208
Following too closely	$1251	$213
Illegal turn	$1251	$208
Texting while driving	$1251	$213
Wrong way/wrong lane	$1251	$208
Failure to stop at a red light	$1258	$214
Improper passing	$1258	$209
Passing school bus	$1307	$222
Speeding in school zone	$1307	$218
In 65 MPH zone	$1328	$226
Speeding 21 - 25 MPH over limit	$1334	$222
Open container	$1376	$234
At-fault accident - less than $1000	$1411	$235
Operating a vehicle without permission	$1418	$241
At-fault accident - $1000-$2000	$1501	$250
At-fault accident - greater than $2000	$1501	$255
Refusal to submit to a chemical test	$1681	$281
Racing	$1688	$287
DUI	$1709	$285
Reckless driving	$1716	$291
Driving with a suspended license	$1730	$289
Leaving scene of an accident/hit and run	$1787	$304

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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 Cedar Hills 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 Cedar Hills.

The cheapest car insurance premiums in Cedar Hills are offered by Capital Insurance Group at $508 for a six-month policy. However, it can be as expensive as $2731 with companies like Nationwide.

Cedar Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$508	$87
Kemper	$626	$104
Progressive	$792	$133
State Farm	$1007	$170
Travelers	$1014	$171
American Family	$1265	$213
USAA	$1376	$232
Country Financial	$1591	$268
Farmers	$2217	$373
Allstate	$2356	$397
Nationwide	$2731	$464

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 Cedar Hills are offered by Kemper at $340. However, it can be as expensive as $2704 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cedar Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$57
Capital Insurance Group	$410	$70
Nationwide	$556	$92
State Farm	$598	$101
Country Financial	$875	$147
Progressive	$875	$147
American Family	$896	$151
Travelers	$1035	$174
USAA	$1035	$173
Allstate	$2265	$385
Farmers	$2704	$450

Car Insurance Price Trends in Cedar Hills, Oregon

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

The average cost of full coverage in the Cedar Hills rose by $225 in December compared to $221 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 Cedar Hills rose to $83 in December, compared to $81 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cedar Hills?

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

What is the cheapest car insurance in Cedar Hills?

The cheapest car insurance in Cedar Hills is $77 per month for full coverage.

How much is car insurance in Cedar Hills for teenagers?

Car insurance for teenagers costs $257 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 Cedar Hills?

The average cost of car insurance is $860 for a six-month policy. It will cost around $170 per month to insure your car in Cedar Hills.

Is car insurance expensive in Cedar Hills?

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

What is the best car insurance in Cedar Hills, OR?

The best car insurance company in Cedar Hills OR is Kemper, offering $452 for a six-month policy.