Cheapest Car Insurance Quotes in Chemult

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Chemult Car Insurance

^$ 40

/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 Chemult

The car insurance rate in Chemult is $851 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $382, making it a popular choice for budget-conscious drivers. Rates in Chemult 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 Chemult

$851

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Chemult

1st place: Kemper

At $382 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 $606 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 $712 for six months, making it the third cheapest auto insurance company in Chemult.

Chemult Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chemult, OR is Kemper, offering policies at just $382 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $606.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1564 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chemult drivers find the best deals.

Cheap Car Insurance Companies in Chemult, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$382	$65
Capital Insurance Group	$606	$101
American Family	$712	$120
Country Financial	$730	$123
Travelers	$758	$128
Progressive	$782	$132
Encompass	$800	$136
State Farm	$818	$138
Nationwide	$830	$140
USAA	$830	$140
Mutual of Enumclaw	$1100	$187
Farmers	$1164	$196
Allstate	$1564	$263

Key Takeaways

Way's key takeaways about car insurance in Chemult

The auto insurance costs in Chemult fall around $382 for six months.
The cheapest auto insurance company in Chemult is Kemper.
Teen drivers pay the highest rate in Chemult at $927 per month.

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Cheapest Minimum Liability Car Insurance in Chemult

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 Chemult are given below.

Kemper provides the cheapest minimum car insurance coverage in Chemult. Their Average 6 Month Premium is $236. Allstate is the most expensive at $852 for the same period.

Cheapest Liability Coverage in Chemult, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$236	$40
Capital Insurance Group	$312	$53
State Farm	$336	$56
USAA	$347	$58
Progressive	$364	$61
Travelers	$364	$61
Country Financial	$370	$62
American Family	$406	$68
California Casualty	$446	$74
Nationwide	$470	$79
Farmers	$630	$106
Allstate	$852	$144

Cheapest Full Coverage Car Insurance in Chemult

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 Chemult is Kemper at $65 per month and $382 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chemult, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$382	$65
Capital Insurance Group	$606	$101
American Family	$712	$120
Country Financial	$730	$123
Travelers	$758	$128
Progressive	$782	$132
Encompass	$800	$136
State Farm	$818	$138
Nationwide	$830	$140
USAA	$830	$140
Mutual of Enumclaw	$1100	$187
Farmers	$1164	$196
Allstate	$1564	$263

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Average Car Insurance in Chemult 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 Chemult, OR increasing?

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

Car Insurance Premiums by Age in Chemult

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	$632
30s	USAA	$515
40s	USAA	$477
50s	USAA	$458
60s	USAA	$477
70s	USAA	$580

Cheapest Car Insurance Rates for Teen Drivers in Chemult,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Chemult at $37 per month. At $5504 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$218	$37
Capital Insurance Group	$370	$61
Country Financial	$982	$165
Travelers	$1300	$219
USAA	$1376	$232
State Farm	$1464	$247
American Family	$2006	$338
Progressive	$2270	$382
Nationwide	$3840	$653
Farmers	$5463	$920
Allstate	$5504	$927

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 Chemult.

As young drivers face the highest rates in Chemult, USAA offers the cheapest auto insurance rates at $632 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 Chemult, Kemper is the cheapest car insurance provider. At $394 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 Chemult is State Farm, offering rates of around $3005 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Capital Insurance Group	$458	$78
Nationwide	$570	$95
Country Financial	$918	$154
Progressive	$946	$159
American Family	$1124	$189
Travelers	$1224	$206
USAA	$1558	$265
Allstate	$2682	$446
Farmers	$2728	$464
State Farm	$3005	$501

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Car Insurance Rates with An Accident in Chemult

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

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

The cheapest car insurance companies after an at-fault accident in Chemult include Kemper and Capital Insurance Group, offering $312 and $370, respectively. Allstate is an expensive provider with an average six-month premium of $2452.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$312	$51
Capital Insurance Group	$370	$63
Capital	$418	$69
Encompass	$464	$79
State Farm	$618	$104
Travelers	$718	$121
USAA	$736	$124
Country Financial	$806	$136
Progressive	$852	$144
Nationwide	$941	$158
American Family	$1000	$168
Farmers	$1946	$328
Allstate	$2452	$413

Chemult Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chemult OR. For example, the car insurance in Chemult after a DUI increases to $616 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Chemult auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$830	$139
One Med/PIP claim	$830	$141
Not-at-fault accident	$858	$144
One comp claim	$876	$149
Two Med/PIP claims	$888	$148
Failure to wear a seat belt	$946	$161
Two comp claims	$970	$161
Child safety restraint	$982	$167
Failure to show documents	$982	$163
Driving without lights	$988	$168
Driving with expired registration	$1012	$168
Speeding 11 - 15 MPH over limit	$1052	$179
Speeding 16 - 20 MPH over limit	$1052	$175
Speeding 6 - 10 MPH over limit	$1052	$179
Cell phone violation	$1058	$176
Driving too slowly	$1058	$180
Failure to yield	$1058	$176
Following too closely	$1058	$180
Illegal turn	$1058	$176
Texting while driving	$1058	$180
Wrong way/wrong lane	$1058	$176
Failure to stop at a red light	$1064	$181
Improper passing	$1064	$177
Passing school bus	$1106	$188
Speeding in school zone	$1106	$184
In 65 MPH zone	$1124	$191
Speeding 21 - 25 MPH over limit	$1129	$188
Open container	$1164	$198
At-fault accident - less than $1000	$1194	$199
Operating a vehicle without permission	$1200	$204
At-fault accident - $1000-$2000	$1270	$212
At-fault accident - greater than $2000	$1270	$216
Refusal to submit to a chemical test	$1423	$238
Racing	$1429	$243
DUI	$1446	$242
Reckless driving	$1452	$247
Driving with a suspended license	$1464	$245
Leaving scene of an accident/hit and run	$1512	$257

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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 Chemult 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 Chemult.

The cheapest car insurance premiums in Chemult are offered by Capital Insurance Group at $430 for a six-month policy. However, it can be as expensive as $2311 with companies like Nationwide.

Chemult car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$430	$73
Kemper	$530	$88
Progressive	$670	$113
State Farm	$852	$144
Travelers	$858	$145
American Family	$1070	$180
USAA	$1164	$196
Country Financial	$1346	$227
Farmers	$1876	$316
Allstate	$1994	$336
Nationwide	$2311	$393

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 Chemult are offered by Kemper at $288. However, it can be as expensive as $2288 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chemult after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$288	$49
Capital Insurance Group	$347	$59
Nationwide	$470	$78
State Farm	$506	$85
Country Financial	$741	$125
Progressive	$741	$125
American Family	$758	$128
Travelers	$876	$148
USAA	$876	$147
Allstate	$1917	$326
Farmers	$2288	$381

Car Insurance Price Trends in Chemult, Oregon

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

The average cost of full coverage in the Chemult rose by $190 in December compared to $187 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 Chemult rose to $70 in December, compared to $68 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 Chemult?

The car insurance in Chemult is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Chemult?

The cheapest car insurance in Chemult is $65 per month for full coverage.

How much is car insurance in Chemult for teenagers?

Car insurance for teenagers costs $218 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 Chemult?

The average cost of car insurance is $860 for a six-month policy. It will cost around $144 per month to insure your car in Chemult.

Is car insurance expensive in Chemult?

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

What is the best car insurance in Chemult, OR?

The best car insurance company in Chemult OR is Kemper, offering $382 for a six-month policy.