Cheapest Car Insurance Quotes in Cloverdale

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Cloverdale Car Insurance

^$ 42

/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 Cloverdale

The car insurance rate in Cloverdale is $894 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Cloverdale 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 Cloverdale

$894

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Cloverdale

1st place: Kemper

At $401 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 $636 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 $748 for six months, making it the third cheapest auto insurance company in Cloverdale.

Cloverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cloverdale, OR is Kemper, offering policies at just $401 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $636.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1643 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cloverdale drivers find the best deals.

Cheap Car Insurance Companies in Cloverdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$69
Capital Insurance Group	$636	$106
American Family	$748	$126
Country Financial	$766	$129
Travelers	$797	$134
Progressive	$822	$138
Encompass	$840	$142
State Farm	$859	$145
Nationwide	$872	$147
USAA	$872	$147
Mutual of Enumclaw	$1155	$197
Farmers	$1223	$206
Allstate	$1643	$277

Key Takeaways

Way's key takeaways about car insurance in Cloverdale

The auto insurance costs in Cloverdale fall around $401 for six months.
The cheapest auto insurance company in Cloverdale is Kemper.
Teen drivers pay the highest rate in Cloverdale at $973 per month.

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Cheapest Minimum Liability Car Insurance in Cloverdale

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 Cloverdale are given below.

Kemper provides the cheapest minimum car insurance coverage in Cloverdale. Their Average 6 Month Premium is $248. Allstate is the most expensive at $895 for the same period.

Cheapest Liability Coverage in Cloverdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$248	$42
Capital Insurance Group	$328	$56
State Farm	$353	$59
USAA	$364	$61
Progressive	$383	$64
Travelers	$383	$64
Country Financial	$389	$66
American Family	$426	$72
California Casualty	$469	$78
Nationwide	$494	$83
Farmers	$661	$111
Allstate	$895	$151

Cheapest Full Coverage Car Insurance in Cloverdale

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 Cloverdale is Kemper at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cloverdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$69
Capital Insurance Group	$636	$106
American Family	$748	$126
Country Financial	$766	$129
Travelers	$797	$134
Progressive	$822	$138
Encompass	$840	$142
State Farm	$859	$145
Nationwide	$872	$147
USAA	$872	$147
Mutual of Enumclaw	$1155	$197
Farmers	$1223	$206
Allstate	$1643	$277

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Average Car Insurance in Cloverdale 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 Cloverdale, OR increasing?

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

Car Insurance Premiums by Age in Cloverdale

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	$664
30s	USAA	$541
40s	USAA	$501
50s	USAA	$482
60s	USAA	$501
70s	USAA	$609

Cheapest Car Insurance Rates for Teen Drivers in Cloverdale,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cloverdale at $38 per month. At $5782 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$229	$38
Capital Insurance Group	$389	$64
Country Financial	$1032	$174
Travelers	$1366	$230
USAA	$1446	$243
State Farm	$1538	$259
American Family	$2107	$355
Progressive	$2385	$401
Nationwide	$4034	$686
Farmers	$5739	$966
Allstate	$5782	$973

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 Cloverdale.

As young drivers face the highest rates in Cloverdale, USAA offers the cheapest auto insurance rates at $664 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 Cloverdale, Kemper is the cheapest car insurance provider. At $414 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 Cloverdale is State Farm, offering rates of around $3156 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$69
Capital Insurance Group	$482	$82
Nationwide	$599	$100
Country Financial	$964	$162
Progressive	$994	$167
American Family	$1180	$199
Travelers	$1285	$216
USAA	$1637	$279
Allstate	$2817	$469
Farmers	$2866	$488
State Farm	$3156	$526

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Car Insurance Rates with An Accident in Cloverdale

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

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

The cheapest car insurance companies after an at-fault accident in Cloverdale include Kemper and Capital Insurance Group, offering $328 and $389, respectively. Allstate is an expensive provider with an average six-month premium of $2576.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$328	$54
Capital Insurance Group	$389	$67
Capital	$439	$73
Encompass	$488	$83
State Farm	$649	$109
Travelers	$754	$127
USAA	$773	$130
Country Financial	$847	$142
Progressive	$895	$151
Nationwide	$988	$166
American Family	$1050	$177
Farmers	$2045	$344
Allstate	$2576	$434

Cloverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cloverdale OR. For example, the car insurance in Cloverdale after a DUI increases to $647 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Cloverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$872	$146
One Med/PIP claim	$872	$148
Not-at-fault accident	$902	$151
One comp claim	$920	$156
Two Med/PIP claims	$933	$155
Failure to wear a seat belt	$994	$170
Two comp claims	$1019	$170
Child safety restraint	$1032	$176
Failure to show documents	$1032	$172
Driving without lights	$1038	$177
Driving with expired registration	$1063	$177
Speeding 11 - 15 MPH over limit	$1106	$188
Speeding 16 - 20 MPH over limit	$1106	$184
Speeding 6 - 10 MPH over limit	$1106	$188
Cell phone violation	$1112	$185
Driving too slowly	$1112	$189
Failure to yield	$1112	$185
Following too closely	$1112	$189
Illegal turn	$1112	$185
Texting while driving	$1112	$189
Wrong way/wrong lane	$1112	$185
Failure to stop at a red light	$1118	$190
Improper passing	$1118	$186
Passing school bus	$1162	$198
Speeding in school zone	$1162	$193
In 65 MPH zone	$1180	$201
Speeding 21 - 25 MPH over limit	$1186	$198
Open container	$1223	$208
At-fault accident - less than $1000	$1254	$209
Operating a vehicle without permission	$1260	$214
At-fault accident - $1000-$2000	$1334	$223
At-fault accident - greater than $2000	$1334	$227
Refusal to submit to a chemical test	$1494	$250
Racing	$1501	$255
DUI	$1519	$254
Reckless driving	$1526	$259
Driving with a suspended license	$1538	$257
Leaving scene of an accident/hit and run	$1588	$270

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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 Cloverdale 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 Cloverdale.

The cheapest car insurance premiums in Cloverdale are offered by Capital Insurance Group at $451 for a six-month policy. However, it can be as expensive as $2427 with companies like Nationwide.

Cloverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$451	$77
Kemper	$556	$93
Progressive	$704	$119
State Farm	$895	$151
Travelers	$902	$152
American Family	$1124	$189
USAA	$1223	$206
Country Financial	$1414	$238
Farmers	$1971	$332
Allstate	$2095	$353
Nationwide	$2427	$413

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 Cloverdale are offered by Kemper at $303. However, it can be as expensive as $2403 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cloverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$51
Capital Insurance Group	$364	$62
Nationwide	$494	$82
State Farm	$531	$89
Country Financial	$778	$131
Progressive	$778	$131
American Family	$797	$134
Travelers	$920	$155
USAA	$920	$154
Allstate	$2013	$342
Farmers	$2403	$400

Car Insurance Price Trends in Cloverdale, Oregon

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

The average cost of full coverage in the Cloverdale rose by $200 in December compared to $197 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 Cloverdale rose to $74 in December, compared to $72 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 Cloverdale?

The car insurance in Cloverdale is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Cloverdale?

The cheapest car insurance in Cloverdale is $69 per month for full coverage.

How much is car insurance in Cloverdale for teenagers?

Car insurance for teenagers costs $229 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 Cloverdale?

The average cost of car insurance is $860 for a six-month policy. It will cost around $151 per month to insure your car in Cloverdale.

Is car insurance expensive in Cloverdale?

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

What is the best car insurance in Cloverdale, OR?

The best car insurance company in Cloverdale OR is Kemper, offering $401 for a six-month policy.