Cheapest Car Insurance Quotes in Dundee

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Dundee Car Insurance

^$ 44

/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 Dundee

The car insurance rate in Dundee is $946 for a six-month policy, which is $86 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $425, making it a popular choice for budget-conscious drivers. Rates in Dundee 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 Dundee

$946

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Dundee

1st place: Kemper

At $425 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 $673 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 $791 for six months, making it the third cheapest auto insurance company in Dundee.

Dundee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dundee, OR is Kemper, offering policies at just $425 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $673.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1738 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dundee drivers find the best deals.

Cheap Car Insurance Companies in Dundee, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$73
Capital Insurance Group	$673	$112
American Family	$791	$133
Country Financial	$811	$136
Travelers	$843	$142
Progressive	$869	$146
Encompass	$889	$151
State Farm	$909	$153
Nationwide	$922	$155
USAA	$922	$155
Mutual of Enumclaw	$1222	$208
Farmers	$1294	$218
Allstate	$1738	$293

Key Takeaways

Way's key takeaways about car insurance in Dundee

The auto insurance costs in Dundee fall around $425 for six months.
The cheapest auto insurance company in Dundee is Kemper.
Teen drivers pay the highest rate in Dundee at $1030 per month.

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Cheapest Minimum Liability Car Insurance in Dundee

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 Dundee are given below.

Kemper provides the cheapest minimum car insurance coverage in Dundee. Their Average 6 Month Premium is $262. Allstate is the most expensive at $947 for the same period.

Cheapest Liability Coverage in Dundee, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$262	$44
Capital Insurance Group	$347	$59
State Farm	$373	$63
USAA	$385	$65
Progressive	$405	$68
Travelers	$405	$68
Country Financial	$411	$69
American Family	$451	$76
California Casualty	$496	$83
Nationwide	$523	$88
Farmers	$700	$118
Allstate	$947	$160

Cheapest Full Coverage Car Insurance in Dundee

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 Dundee is Kemper at $73 per month and $425 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dundee, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$73
Capital Insurance Group	$673	$112
American Family	$791	$133
Country Financial	$811	$136
Travelers	$843	$142
Progressive	$869	$146
Encompass	$889	$151
State Farm	$909	$153
Nationwide	$922	$155
USAA	$922	$155
Mutual of Enumclaw	$1222	$208
Farmers	$1294	$218
Allstate	$1738	$293

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Average Car Insurance in Dundee 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 Dundee, OR increasing?

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

Car Insurance Premiums by Age in Dundee

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	$702
30s	USAA	$572
40s	USAA	$530
50s	USAA	$509
60s	USAA	$530
70s	USAA	$645

Cheapest Car Insurance Rates for Teen Drivers in Dundee,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Dundee at $41 per month. At $6116 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$242	$41
Capital Insurance Group	$411	$68
Country Financial	$1091	$184
Travelers	$1444	$243
USAA	$1529	$257
State Farm	$1627	$274
American Family	$2229	$375
Progressive	$2522	$425
Nationwide	$4267	$726
Farmers	$6070	$1022
Allstate	$6116	$1030

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 Dundee.

As young drivers face the highest rates in Dundee, USAA offers the cheapest auto insurance rates at $702 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 Dundee, Kemper is the cheapest car insurance provider. At $438 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 Dundee is State Farm, offering rates of around $3339 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$438	$73
Capital Insurance Group	$509	$87
Nationwide	$634	$106
Country Financial	$1020	$172
Progressive	$1052	$177
American Family	$1249	$210
Travelers	$1360	$229
USAA	$1731	$295
Allstate	$2980	$496
Farmers	$3032	$516
State Farm	$3339	$557

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Car Insurance Rates with An Accident in Dundee

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

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

The cheapest car insurance companies after an at-fault accident in Dundee include Kemper and Capital Insurance Group, offering $347 and $411, respectively. Allstate is an expensive provider with an average six-month premium of $2725.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$57
Capital Insurance Group	$411	$70
Capital	$464	$77
Encompass	$516	$88
State Farm	$686	$116
Travelers	$798	$134
USAA	$817	$138
Country Financial	$895	$151
Progressive	$947	$160
Nationwide	$1045	$176
American Family	$1111	$187
Farmers	$2163	$364
Allstate	$2725	$459

Dundee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dundee OR. For example, the car insurance in Dundee after a DUI increases to $685 for a six month policy. While the rate increases by $247 for a six-month policy in the case of a speeding ticket.

Dundee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$922	$154
One Med/PIP claim	$922	$156
Not-at-fault accident	$954	$160
One comp claim	$974	$165
Two Med/PIP claims	$987	$164
Failure to wear a seat belt	$1052	$179
Two comp claims	$1078	$179
Child safety restraint	$1091	$186
Failure to show documents	$1091	$182
Driving without lights	$1098	$187
Driving with expired registration	$1124	$187
Speeding 11 - 15 MPH over limit	$1169	$199
Speeding 16 - 20 MPH over limit	$1169	$195
Speeding 6 - 10 MPH over limit	$1169	$199
Cell phone violation	$1176	$196
Driving too slowly	$1176	$200
Failure to yield	$1176	$196
Following too closely	$1176	$200
Illegal turn	$1176	$196
Texting while driving	$1176	$200
Wrong way/wrong lane	$1176	$196
Failure to stop at a red light	$1183	$201
Improper passing	$1183	$197
Passing school bus	$1229	$209
Speeding in school zone	$1229	$205
In 65 MPH zone	$1249	$212
Speeding 21 - 25 MPH over limit	$1254	$209
Open container	$1294	$220
At-fault accident - less than $1000	$1327	$221
Operating a vehicle without permission	$1333	$227
At-fault accident - $1000-$2000	$1411	$235
At-fault accident - greater than $2000	$1411	$240
Refusal to submit to a chemical test	$1581	$264
Racing	$1587	$270
DUI	$1607	$268
Reckless driving	$1614	$274
Driving with a suspended license	$1627	$272
Leaving scene of an accident/hit and run	$1680	$286

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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 Dundee 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 Dundee.

The cheapest car insurance premiums in Dundee are offered by Capital Insurance Group at $477 for a six-month policy. However, it can be as expensive as $2567 with companies like Nationwide.

Dundee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$477	$81
Kemper	$589	$98
Progressive	$745	$125
State Farm	$947	$160
Travelers	$954	$161
American Family	$1189	$200
USAA	$1294	$218
Country Financial	$1496	$252
Farmers	$2085	$351
Allstate	$2215	$373
Nationwide	$2567	$437

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 Dundee are offered by Kemper at $320. However, it can be as expensive as $2542 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dundee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$320	$54
Capital Insurance Group	$385	$66
Nationwide	$523	$87
State Farm	$562	$95
Country Financial	$823	$139
Progressive	$823	$139
American Family	$843	$142
Travelers	$974	$164
USAA	$974	$163
Allstate	$2130	$362
Farmers	$2542	$424

Car Insurance Price Trends in Dundee, Oregon

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

The average cost of full coverage in the Dundee rose by $211 in December compared to $208 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 Dundee rose to $78 in December, compared to $76 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 Dundee?

The car insurance in Dundee is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Dundee?

The cheapest car insurance in Dundee is $73 per month for full coverage.

How much is car insurance in Dundee for teenagers?

Car insurance for teenagers costs $242 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 Dundee?

The average cost of car insurance is $860 for a six-month policy. It will cost around $160 per month to insure your car in Dundee.

Is car insurance expensive in Dundee?

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

What is the best car insurance in Dundee, OR?

The best car insurance company in Dundee OR is Kemper, offering $425 for a six-month policy.