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Finding the cheapest car insurance quotes in Crater Lake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Crater Lake
The car insurance rate in Crater Lake is $860 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Crater Lake 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 $386 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 $612 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 $719
for six months, making it
the third cheapest auto insurance company in Crater Lake.
Crater Lake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Crater Lake, OR is Kemper, offering policies at just $386 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $612.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1580 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crater Lake drivers find the best deals.
Way's key takeaways about car insurance in Crater Lake
The auto insurance costs in Crater Lake fall around $386 for six
months.
The cheapest auto insurance company in Crater Lake is Kemper.
Teen drivers pay the highest rate in Crater Lake at $936 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Crater Lake
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 Crater Lake are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Crater Lake. Their Average 6 Month Premium is $238.
Allstate is the most
expensive at $861 for the same
period.
Cheapest Full Coverage Car Insurance in Crater Lake
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 Crater Lake is Kemper
at $66 per month and $386
for six months.
Cheapest Full Coverage Car Insurance Quotes in Crater Lake,
OR
Get Your Car Insurance Quote in Crater Lake
Instantly!
Average Car Insurance in Crater Lake 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 Crater Lake, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Crater Lake, 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, Crater Lake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Crater Lake
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
$638
30s
USAA
$520
40s
USAA
$482
50s
USAA
$463
60s
USAA
$482
70s
USAA
$586
Cheapest Car Insurance Rates for Teen Drivers in
Crater Lake,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Crater Lake at $37
per
month. At $5560 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Crater Lake.
As young drivers face the highest rates in Crater Lake, USAA
offers the cheapest auto insurance rates at $638 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 Crater Lake,
Kemper is
the cheapest car insurance provider. At $398 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
Crater Lake is State Farm, offering
rates of around $3035 for six
months.
Save up to $971/yr on car insurance rates in Crater Lake.
Car Insurance Rates with An Accident in Crater Lake
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 Crater Lake, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Crater Lake
The cheapest car insurance companies after an at-fault accident in
Crater Lake include Kemper
and Capital Insurance Group, offering $315
and $374,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2477.
Here is a list of driving violations that can increase your car
insurance rates in Crater Lake OR. For example, the car
insurance in Crater Lake
after a DUI increases to $623 for a six
month policy. While the rate increases by $225 for a six-month policy in the case of
a speeding ticket.
Crater Lake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$838
$140
One Med/PIP claim
$838
$142
Not-at-fault accident
$867
$145
One comp claim
$885
$150
Two Med/PIP claims
$897
$149
Failure to wear a seat belt
$956
$163
Two comp claims
$980
$163
Child safety restraint
$992
$169
Failure to show documents
$992
$165
Driving without lights
$998
$170
Driving with expired registration
$1022
$170
Speeding 11 - 15 MPH over limit
$1063
$181
Speeding 16 - 20 MPH over limit
$1063
$177
Speeding 6 - 10 MPH over limit
$1063
$181
Cell phone violation
$1069
$178
Driving too slowly
$1069
$182
Failure to yield
$1069
$178
Following too closely
$1069
$182
Illegal turn
$1069
$178
Texting while driving
$1069
$182
Wrong way/wrong lane
$1069
$178
Failure to stop at a red light
$1075
$183
Improper passing
$1075
$179
Passing school bus
$1117
$190
Speeding in school zone
$1117
$186
In 65 MPH zone
$1135
$193
Speeding 21 - 25 MPH over limit
$1140
$190
Open container
$1176
$200
At-fault accident - less than $1000
$1206
$201
Operating a vehicle without permission
$1212
$206
At-fault accident - $1000-$2000
$1283
$214
At-fault accident - greater than $2000
$1283
$218
Refusal to submit to a chemical test
$1437
$240
Racing
$1443
$245
DUI
$1461
$244
Reckless driving
$1467
$249
Driving with a suspended license
$1479
$247
Leaving scene of an accident/hit and run
$1527
$260
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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 Crater Lake 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 Crater Lake.
The cheapest car insurance premiums in
Crater Lake are
offered by Capital Insurance Group at $434 for a six-month policy.
However, it can be as
expensive as $2334 with companies
like Nationwide.
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 Crater Lake are offered by Kemper
at $291. However,
it can be as expensive as $2311
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Crater Lake after Speeding ticket
Car insurance rates in Crater Lake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Crater Lake rose by
$192 in December
compared to $189 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 Crater Lake rose to $71 in December,
compared to $69 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Crater Lake by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Crater Lake. At $1720 for a
six-month policy, insuring
your car at 97604 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Crater Lake?
The car insurance in Crater Lake is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Crater Lake?
The cheapest car insurance in Crater Lake
is $66 per month
for full coverage.
How much is car insurance in Crater Lake for teenagers?
Car insurance for teenagers costs $220 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
Crater Lake?
The average cost of car insurance is $860 for a six-month
policy. It will cost around $145 per month to insure your
car in Crater Lake.
Is car insurance expensive in Crater Lake?
Car insurance can be expensive in Crater Lake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Crater Lake can be
affordable.
What is the best car insurance in Crater Lake,
OR?
The best car insurance company in Crater Lake
OR is
Kemper, offering $386 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Crater Lake, OR
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Crater Lake Car Insurance
