Cheapest Car Insurance Quotes in Deer Island

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Deer Island 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 Deer Island

The car insurance rate in Deer Island is $903 for a six-month policy, which is $43 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in Deer Island 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 Deer Island

$903

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Deer Island

1st place: Kemper

At $405 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 $643 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 $755 for six months, making it the third cheapest auto insurance company in Deer Island.

Deer Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Deer Island, OR is Kemper, offering policies at just $405 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $643.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1659 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deer Island drivers find the best deals.

Cheap Car Insurance Companies in Deer Island, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$405	$69
Capital Insurance Group	$643	$107
American Family	$755	$127
Country Financial	$774	$130
Travelers	$804	$135
Progressive	$830	$140
Encompass	$848	$144
State Farm	$867	$146
Nationwide	$880	$148
USAA	$880	$148
Mutual of Enumclaw	$1167	$198
Farmers	$1235	$208
Allstate	$1659	$279

Key Takeaways

Way's key takeaways about car insurance in Deer Island

The auto insurance costs in Deer Island fall around $405 for six months.
The cheapest auto insurance company in Deer Island is Kemper.
Teen drivers pay the highest rate in Deer Island at $983 per month.

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Cheapest Minimum Liability Car Insurance in Deer Island

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 Deer Island are given below.

Kemper provides the cheapest minimum car insurance coverage in Deer Island. Their Average 6 Month Premium is $250. Allstate is the most expensive at $904 for the same period.

Cheapest Liability Coverage in Deer Island, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$250	$42
Capital Insurance Group	$331	$57
State Farm	$356	$60
USAA	$368	$62
Progressive	$386	$65
Travelers	$386	$65
Country Financial	$393	$66
American Family	$431	$72
California Casualty	$474	$79
Nationwide	$499	$84
Farmers	$668	$112
Allstate	$904	$152

Cheapest Full Coverage Car Insurance in Deer Island

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 Deer Island is Kemper at $69 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Deer Island, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$405	$69
Capital Insurance Group	$643	$107
American Family	$755	$127
Country Financial	$774	$130
Travelers	$804	$135
Progressive	$830	$140
Encompass	$848	$144
State Farm	$867	$146
Nationwide	$880	$148
USAA	$880	$148
Mutual of Enumclaw	$1167	$198
Farmers	$1235	$208
Allstate	$1659	$279

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Average Car Insurance in Deer Island 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 Deer Island, OR increasing?

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

Car Insurance Premiums by Age in Deer Island

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	$670
30s	USAA	$546
40s	USAA	$506
50s	USAA	$486
60s	USAA	$506
70s	USAA	$615

Cheapest Car Insurance Rates for Teen Drivers in Deer Island,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Deer Island at $39 per month. At $5838 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$231	$39
Capital Insurance Group	$393	$65
Country Financial	$1042	$175
Travelers	$1379	$232
USAA	$1460	$246
State Farm	$1553	$261
American Family	$2127	$358
Progressive	$2408	$405
Nationwide	$4073	$693
Farmers	$5794	$975
Allstate	$5838	$983

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 Deer Island.

As young drivers face the highest rates in Deer Island, USAA offers the cheapest auto insurance rates at $670 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 Deer Island, Kemper is the cheapest car insurance provider. At $418 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 Deer Island is State Farm, offering rates of around $3187 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$418	$69
Capital Insurance Group	$486	$83
Nationwide	$605	$101
Country Financial	$973	$164
Progressive	$1004	$169
American Family	$1192	$201
Travelers	$1298	$218
USAA	$1653	$281
Allstate	$2844	$474
Farmers	$2894	$492
State Farm	$3187	$531

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Car Insurance Rates with An Accident in Deer Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Deer Island

The cheapest car insurance companies after an at-fault accident in Deer Island include Kemper and Capital Insurance Group, offering $331 and $393, respectively. Allstate is an expensive provider with an average six-month premium of $2601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$331	$55
Capital Insurance Group	$393	$67
Capital	$443	$74
Encompass	$492	$84
State Farm	$655	$110
Travelers	$761	$128
USAA	$780	$131
Country Financial	$855	$144
Progressive	$904	$152
Nationwide	$998	$168
American Family	$1061	$179
Farmers	$2064	$348
Allstate	$2601	$438

Deer Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Deer Island OR. For example, the car insurance in Deer Island after a DUI increases to $654 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Deer Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$880	$147
One Med/PIP claim	$880	$149
Not-at-fault accident	$910	$152
One comp claim	$929	$158
Two Med/PIP claims	$942	$156
Failure to wear a seat belt	$1004	$171
Two comp claims	$1029	$171
Child safety restraint	$1042	$177
Failure to show documents	$1042	$173
Driving without lights	$1048	$179
Driving with expired registration	$1073	$179
Speeding 11 - 15 MPH over limit	$1116	$190
Speeding 16 - 20 MPH over limit	$1116	$186
Speeding 6 - 10 MPH over limit	$1116	$190
Cell phone violation	$1122	$187
Driving too slowly	$1122	$191
Failure to yield	$1122	$187
Following too closely	$1122	$191
Illegal turn	$1122	$187
Texting while driving	$1122	$191
Wrong way/wrong lane	$1122	$187
Failure to stop at a red light	$1129	$192
Improper passing	$1129	$188
Passing school bus	$1173	$200
Speeding in school zone	$1173	$195
In 65 MPH zone	$1192	$203
Speeding 21 - 25 MPH over limit	$1197	$200
Open container	$1235	$210
At-fault accident - less than $1000	$1266	$211
Operating a vehicle without permission	$1273	$216
At-fault accident - $1000-$2000	$1347	$225
At-fault accident - greater than $2000	$1347	$229
Refusal to submit to a chemical test	$1509	$252
Racing	$1515	$257
DUI	$1534	$256
Reckless driving	$1540	$261
Driving with a suspended license	$1553	$259
Leaving scene of an accident/hit and run	$1603	$273

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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 Deer Island 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 Deer Island.

The cheapest car insurance premiums in Deer Island are offered by Capital Insurance Group at $456 for a six-month policy. However, it can be as expensive as $2451 with companies like Nationwide.

Deer Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$456	$78
Kemper	$562	$93
Progressive	$711	$120
State Farm	$904	$152
Travelers	$910	$153
American Family	$1135	$191
USAA	$1235	$208
Country Financial	$1428	$240
Farmers	$1990	$335
Allstate	$2115	$356
Nationwide	$2451	$417

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 Deer Island are offered by Kemper at $306. However, it can be as expensive as $2427 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Deer Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$306	$51
Capital Insurance Group	$368	$63
Nationwide	$499	$83
State Farm	$537	$90
Country Financial	$785	$132
Progressive	$785	$132
American Family	$804	$135
Travelers	$929	$156
USAA	$929	$155
Allstate	$2033	$345
Farmers	$2427	$404

Car Insurance Price Trends in Deer Island, Oregon

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

The average cost of full coverage in the Deer Island rose by $202 in December compared to $198 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 Deer Island rose to $75 in December, compared to $72 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Deer Island?

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

What is the cheapest car insurance in Deer Island?

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

How much is car insurance in Deer Island for teenagers?

Car insurance for teenagers costs $231 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 Deer Island?

The average cost of car insurance is $860 for a six-month policy. It will cost around $152 per month to insure your car in Deer Island.

Is car insurance expensive in Deer Island?

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

What is the best car insurance in Deer Island, OR?

The best car insurance company in Deer Island OR is Kemper, offering $405 for a six-month policy.