Cheapest Car Insurance Quotes in Coos Bay

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Coos Bay Car Insurance

^$ 37

/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 Coos Bay

The car insurance rate in Coos Bay is $791 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $355, making it a popular choice for budget-conscious drivers. Rates in Coos Bay 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 Coos Bay

$791

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Coos Bay

1st place: Kemper

At $355 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 $563 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 $661 for six months, making it the third cheapest auto insurance company in Coos Bay.

Coos Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coos Bay, OR is Kemper, offering policies at just $355 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $563.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1454 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coos Bay drivers find the best deals.

Cheap Car Insurance Companies in Coos Bay, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$355	$61
Capital Insurance Group	$563	$94
American Family	$661	$111
Country Financial	$678	$114
Travelers	$705	$119
Progressive	$727	$122
Encompass	$743	$126
State Farm	$760	$128
Nationwide	$771	$130
USAA	$771	$130
Mutual of Enumclaw	$1022	$174
Farmers	$1082	$182
Allstate	$1454	$245

Key Takeaways

Way's key takeaways about car insurance in Coos Bay

The auto insurance costs in Coos Bay fall around $355 for six months.
The cheapest auto insurance company in Coos Bay is Kemper.
Teen drivers pay the highest rate in Coos Bay at $861 per month.

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Cheapest Minimum Liability Car Insurance in Coos Bay

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 Coos Bay are given below.

Kemper provides the cheapest minimum car insurance coverage in Coos Bay. Their Average 6 Month Premium is $219. Allstate is the most expensive at $792 for the same period.

Cheapest Liability Coverage in Coos Bay, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$219	$37
Capital Insurance Group	$290	$50
State Farm	$312	$52
USAA	$322	$54
Progressive	$339	$57
Travelers	$339	$57
Country Financial	$344	$58
American Family	$377	$63
California Casualty	$415	$69
Nationwide	$437	$74
Farmers	$585	$98
Allstate	$792	$133

Cheapest Full Coverage Car Insurance in Coos Bay

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 Coos Bay is Kemper at $61 per month and $355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coos Bay, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$355	$61
Capital Insurance Group	$563	$94
American Family	$661	$111
Country Financial	$678	$114
Travelers	$705	$119
Progressive	$727	$122
Encompass	$743	$126
State Farm	$760	$128
Nationwide	$771	$130
USAA	$771	$130
Mutual of Enumclaw	$1022	$174
Farmers	$1082	$182
Allstate	$1454	$245

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Average Car Insurance in Coos Bay 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 Coos Bay, OR increasing?

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

Car Insurance Premiums by Age in Coos Bay

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	$587
30s	USAA	$478
40s	USAA	$443
50s	USAA	$426
60s	USAA	$443
70s	USAA	$539

Cheapest Car Insurance Rates for Teen Drivers in Coos Bay,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Coos Bay at $34 per month. At $5115 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$202	$34
Capital Insurance Group	$344	$57
Country Financial	$913	$154
Travelers	$1208	$203
USAA	$1279	$215
State Farm	$1361	$229
American Family	$1864	$314
Progressive	$2110	$355
Nationwide	$3569	$607
Farmers	$5077	$855
Allstate	$5115	$861

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 Coos Bay.

As young drivers face the highest rates in Coos Bay, USAA offers the cheapest auto insurance rates at $587 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 Coos Bay, Kemper is the cheapest car insurance provider. At $366 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 Coos Bay is State Farm, offering rates of around $2792 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$61
Capital Insurance Group	$426	$73
Nationwide	$530	$88
Country Financial	$853	$144
Progressive	$880	$148
American Family	$1044	$176
Travelers	$1137	$191
USAA	$1448	$247
Allstate	$2492	$415
Farmers	$2536	$431
State Farm	$2792	$466

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Car Insurance Rates with An Accident in Coos Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Coos Bay

The cheapest car insurance companies after an at-fault accident in Coos Bay include Kemper and Capital Insurance Group, offering $290 and $344, respectively. Allstate is an expensive provider with an average six-month premium of $2279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$290	$48
Capital Insurance Group	$344	$59
Capital	$388	$64
Encompass	$431	$74
State Farm	$574	$97
Travelers	$667	$112
USAA	$684	$115
Country Financial	$749	$126
Progressive	$792	$133
Nationwide	$874	$147
American Family	$929	$156
Farmers	$1809	$305
Allstate	$2279	$384

Coos Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coos Bay OR. For example, the car insurance in Coos Bay after a DUI increases to $573 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Coos Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$771	$129
One Med/PIP claim	$771	$131
Not-at-fault accident	$798	$133
One comp claim	$814	$138
Two Med/PIP claims	$825	$137
Failure to wear a seat belt	$880	$150
Two comp claims	$902	$150
Child safety restraint	$913	$155
Failure to show documents	$913	$152
Driving without lights	$918	$156
Driving with expired registration	$940	$156
Speeding 11 - 15 MPH over limit	$978	$167
Speeding 16 - 20 MPH over limit	$978	$163
Speeding 6 - 10 MPH over limit	$978	$167
Cell phone violation	$983	$164
Driving too slowly	$983	$167
Failure to yield	$983	$164
Following too closely	$983	$167
Illegal turn	$983	$164
Texting while driving	$983	$167
Wrong way/wrong lane	$983	$164
Failure to stop at a red light	$989	$168
Improper passing	$989	$165
Passing school bus	$1028	$175
Speeding in school zone	$1028	$171
In 65 MPH zone	$1044	$178
Speeding 21 - 25 MPH over limit	$1049	$175
Open container	$1082	$184
At-fault accident - less than $1000	$1110	$185
Operating a vehicle without permission	$1115	$190
At-fault accident - $1000-$2000	$1180	$197
At-fault accident - greater than $2000	$1180	$201
Refusal to submit to a chemical test	$1322	$221
Racing	$1328	$225
DUI	$1344	$224
Reckless driving	$1350	$229
Driving with a suspended license	$1361	$227
Leaving scene of an accident/hit and run	$1405	$239

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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 Coos Bay 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 Coos Bay.

The cheapest car insurance premiums in Coos Bay are offered by Capital Insurance Group at $399 for a six-month policy. However, it can be as expensive as $2147 with companies like Nationwide.

Coos Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$399	$68
Kemper	$492	$82
Progressive	$623	$105
State Farm	$792	$133
Travelers	$798	$134
American Family	$995	$167
USAA	$1082	$182
Country Financial	$1251	$211
Farmers	$1743	$293
Allstate	$1853	$312
Nationwide	$2147	$365

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 Coos Bay are offered by Kemper at $268. However, it can be as expensive as $2126 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Coos Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$268	$45
Capital Insurance Group	$322	$55
Nationwide	$437	$73
State Farm	$470	$79
Country Financial	$688	$116
Progressive	$688	$116
American Family	$705	$119
Travelers	$814	$137
USAA	$814	$136
Allstate	$1781	$303
Farmers	$2126	$354

Car Insurance Price Trends in Coos Bay, Oregon

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

The average cost of full coverage in the Coos Bay rose by $177 in December compared to $174 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 Coos Bay rose to $65 in December, compared to $63 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 Coos Bay?

The car insurance in Coos Bay is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Coos Bay?

The cheapest car insurance in Coos Bay is $61 per month for full coverage.

How much is car insurance in Coos Bay for teenagers?

Car insurance for teenagers costs $202 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 Coos Bay?

The average cost of car insurance is $860 for a six-month policy. It will cost around $133 per month to insure your car in Coos Bay.

Is car insurance expensive in Coos Bay?

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

What is the best car insurance in Coos Bay, OR?

The best car insurance company in Coos Bay OR is Kemper, offering $355 for a six-month policy.