Cheapest Car Insurance Quotes in Damascus

Finding the cheapest car insurance quotes in Damascus 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Damascus Car Insurance

^$ 50

/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 Damascus

The car insurance rate in Damascus is $1084 for a six-month policy, which is $224 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Damascus 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 Damascus

$1084

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Damascus

1st place: Kemper

At $486 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 $771 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 $906 for six months, making it the third cheapest auto insurance company in Damascus.

Damascus Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Damascus, OR is Kemper, offering policies at just $486 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $771.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1991 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Damascus drivers find the best deals.

Cheap Car Insurance Companies in Damascus, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
Capital Insurance Group	$771	$129
American Family	$906	$152
Country Financial	$929	$156
Travelers	$965	$163
Progressive	$995	$168
Encompass	$1018	$173
State Farm	$1041	$175
Nationwide	$1056	$178
USAA	$1056	$178
Mutual of Enumclaw	$1400	$238
Farmers	$1482	$249
Allstate	$1991	$335

Key Takeaways

Way's key takeaways about car insurance in Damascus

The auto insurance costs in Damascus fall around $486 for six months.
The cheapest auto insurance company in Damascus is Kemper.
Teen drivers pay the highest rate in Damascus at $1179 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 Damascus

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 Damascus are given below.

Kemper provides the cheapest minimum car insurance coverage in Damascus. Their Average 6 Month Premium is $300. Allstate is the most expensive at $1085 for the same period.

Cheapest Liability Coverage in Damascus, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$300	$50
Capital Insurance Group	$397	$68
State Farm	$427	$72
USAA	$441	$74
Progressive	$464	$78
Travelers	$464	$78
Country Financial	$471	$79
American Family	$517	$87
California Casualty	$568	$95
Nationwide	$599	$101
Farmers	$801	$135
Allstate	$1085	$183

Cheapest Full Coverage Car Insurance in Damascus

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 Damascus is Kemper at $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Damascus, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
Capital Insurance Group	$771	$129
American Family	$906	$152
Country Financial	$929	$156
Travelers	$965	$163
Progressive	$995	$168
Encompass	$1018	$173
State Farm	$1041	$175
Nationwide	$1056	$178
USAA	$1056	$178
Mutual of Enumclaw	$1400	$238
Farmers	$1482	$249
Allstate	$1991	$335

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Damascus Instantly!

Average Car Insurance in Damascus 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 Damascus, OR increasing?

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

Car Insurance Premiums by Age in Damascus

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	$804
30s	USAA	$655
40s	USAA	$607
50s	USAA	$583
60s	USAA	$607
70s	USAA	$738

Cheapest Car Insurance Rates for Teen Drivers in Damascus,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Damascus at $47 per month. At $7006 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$277	$47
Capital Insurance Group	$471	$78
Country Financial	$1250	$210
Travelers	$1654	$278
USAA	$1751	$295
State Farm	$1864	$314
American Family	$2553	$430
Progressive	$2889	$486
Nationwide	$4888	$832
Farmers	$6953	$1171
Allstate	$7006	$1179

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 Damascus.

As young drivers face the highest rates in Damascus, USAA offers the cheapest auto insurance rates at $804 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 Damascus, Kemper is the cheapest car insurance provider. At $501 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 Damascus is State Farm, offering rates of around $3824 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$501	$83
Capital Insurance Group	$583	$100
Nationwide	$726	$121
Country Financial	$1168	$197
Progressive	$1205	$203
American Family	$1430	$241
Travelers	$1557	$262
USAA	$1983	$338
Allstate	$3413	$568
Farmers	$3473	$591
State Farm	$3824	$638

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Damascus.

Car Insurance Rates with An Accident in Damascus

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

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

The cheapest car insurance companies after an at-fault accident in Damascus include Kemper and Capital Insurance Group, offering $397 and $471, respectively. Allstate is an expensive provider with an average six-month premium of $3121.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$66
Capital Insurance Group	$471	$81
Capital	$532	$88
Encompass	$591	$101
State Farm	$786	$132
Travelers	$914	$154
USAA	$936	$158
Country Financial	$1026	$173
Progressive	$1085	$183
Nationwide	$1197	$202
American Family	$1273	$214
Farmers	$2477	$417
Allstate	$3121	$525

Damascus Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Damascus OR. For example, the car insurance in Damascus after a DUI increases to $785 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Damascus auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1056	$176
One Med/PIP claim	$1056	$179
Not-at-fault accident	$1092	$183
One comp claim	$1115	$189
Two Med/PIP claims	$1130	$188
Failure to wear a seat belt	$1205	$205
Two comp claims	$1235	$205
Child safety restraint	$1250	$213
Failure to show documents	$1250	$208
Driving without lights	$1257	$214
Driving with expired registration	$1288	$214
Speeding 11 - 15 MPH over limit	$1339	$228
Speeding 16 - 20 MPH over limit	$1339	$223
Speeding 6 - 10 MPH over limit	$1339	$228
Cell phone violation	$1347	$224
Driving too slowly	$1347	$229
Failure to yield	$1347	$224
Following too closely	$1347	$229
Illegal turn	$1347	$224
Texting while driving	$1347	$229
Wrong way/wrong lane	$1347	$224
Failure to stop at a red light	$1355	$231
Improper passing	$1355	$226
Passing school bus	$1407	$239
Speeding in school zone	$1407	$234
In 65 MPH zone	$1430	$243
Speeding 21 - 25 MPH over limit	$1436	$239
Open container	$1482	$252
At-fault accident - less than $1000	$1520	$253
Operating a vehicle without permission	$1527	$260
At-fault accident - $1000-$2000	$1617	$270
At-fault accident - greater than $2000	$1617	$275
Refusal to submit to a chemical test	$1811	$302
Racing	$1818	$309
DUI	$1841	$307
Reckless driving	$1848	$314
Driving with a suspended license	$1864	$311
Leaving scene of an accident/hit and run	$1924	$328

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Damascus 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 Damascus.

The cheapest car insurance premiums in Damascus are offered by Capital Insurance Group at $547 for a six-month policy. However, it can be as expensive as $2941 with companies like Nationwide.

Damascus car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$547	$93
Kemper	$674	$112
Progressive	$853	$144
State Farm	$1085	$183
Travelers	$1092	$184
American Family	$1362	$229
USAA	$1482	$249
Country Financial	$1714	$289
Farmers	$2388	$402
Allstate	$2538	$427
Nationwide	$2941	$500

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 Damascus are offered by Kemper at $367. However, it can be as expensive as $2912 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Damascus after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$62
Capital Insurance Group	$441	$76
Nationwide	$599	$100
State Farm	$644	$108
Country Financial	$942	$159
Progressive	$942	$159
American Family	$965	$163
Travelers	$1115	$188
USAA	$1115	$186
Allstate	$2439	$415
Farmers	$2912	$485

Car Insurance Price Trends in Damascus, Oregon

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

The average cost of full coverage in the Damascus rose by $242 in December compared to $238 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 Damascus rose to $89 in December, compared to $87 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Damascus?

The car insurance in Damascus is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Damascus?

The cheapest car insurance in Damascus is $83 per month for full coverage.

How much is car insurance in Damascus for teenagers?

Car insurance for teenagers costs $277 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 Damascus?

The average cost of car insurance is $860 for a six-month policy. It will cost around $183 per month to insure your car in Damascus.

Is car insurance expensive in Damascus?

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

What is the best car insurance in Damascus, OR?

The best car insurance company in Damascus OR is Kemper, offering $486 for a six-month policy.