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Finding the cheapest car insurance quotes in Eagle Creek 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 Eagle Creek
The car insurance rate in Eagle Creek is $1223 for a six-month policy, which is $343 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $537, making it a popular choice for budget-conscious drivers. Rates in Eagle Creek 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 $537 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 $851 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 $941
for six months, making it
the third cheapest auto insurance company in Eagle Creek.
Eagle Creek Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Eagle Creek, OR is Kemper, offering policies at just $537 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $851.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2328 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eagle Creek drivers find the best deals.
Way's key takeaways about car insurance in Eagle Creek
The auto insurance costs in Eagle Creek fall around $537 for six
months.
The cheapest auto insurance company in Eagle Creek is Kemper.
Teen drivers pay the highest rate in Eagle Creek at $1404 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 Eagle Creek
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 Eagle Creek are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Eagle Creek. Their Average 6 Month Premium is $331.
Allstate is the most
expensive at $1230 for the same
period.
Cheapest Full Coverage Car Insurance in Eagle Creek
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 Eagle Creek is Kemper
at $92 per month and $537
for six months.
Cheapest Full Coverage Car Insurance Quotes in Eagle Creek,
OR
Get Your Car Insurance Quote in Eagle Creek
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Average Car Insurance in Eagle Creek 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 Eagle Creek, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Eagle Creek, 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, Eagle Creek's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Eagle Creek
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
$798
30s
USAA
$651
40s
USAA
$603
50s
USAA
$580
60s
USAA
$603
70s
USAA
$734
Cheapest Car Insurance Rates for Teen Drivers in
Eagle Creek,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Eagle Creek at $51
per
month. At $8339 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Eagle Creek.
As young drivers face the highest rates in Eagle Creek, USAA
offers the cheapest auto insurance rates at $798 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 Eagle Creek,
Kemper is
the cheapest car insurance provider. At $553 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
Eagle Creek is State Farm, offering
rates of around $5631 for six
months.
Save up to $971/yr on car insurance rates in Eagle Creek.
Car Insurance Rates with An Accident in Eagle Creek
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 Eagle Creek, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Eagle Creek
The cheapest car insurance companies after an at-fault accident in
Eagle Creek include Kemper
and Capital Insurance Group, offering $438
and $520,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3682.
Here is a list of driving violations that can increase your car
insurance rates in Eagle Creek OR. For example, the car
insurance in Eagle Creek
after a DUI increases to $866 for a six
month policy. While the rate increases by $313 for a six-month policy in the case of
a speeding ticket.
Eagle Creek auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1165
$195
One Med/PIP claim
$1165
$197
Not-at-fault accident
$1205
$202
One comp claim
$1230
$208
Two Med/PIP claims
$1247
$207
Failure to wear a seat belt
$1329
$227
Two comp claims
$1362
$227
Child safety restraint
$1379
$235
Failure to show documents
$1379
$229
Driving without lights
$1387
$236
Driving with expired registration
$1421
$236
Speeding 11 - 15 MPH over limit
$1478
$252
Speeding 16 - 20 MPH over limit
$1478
$246
Speeding 6 - 10 MPH over limit
$1478
$252
Cell phone violation
$1486
$247
Driving too slowly
$1486
$253
Failure to yield
$1486
$247
Following too closely
$1486
$253
Illegal turn
$1486
$247
Texting while driving
$1486
$253
Wrong way/wrong lane
$1486
$247
Failure to stop at a red light
$1494
$254
Improper passing
$1494
$249
Passing school bus
$1553
$264
Speeding in school zone
$1553
$259
In 65 MPH zone
$1578
$268
Speeding 21 - 25 MPH over limit
$1585
$264
Open container
$1635
$278
At-fault accident - less than $1000
$1676
$279
Operating a vehicle without permission
$1685
$286
At-fault accident - $1000-$2000
$1783
$297
At-fault accident - greater than $2000
$1783
$303
Refusal to submit to a chemical test
$1997
$334
Racing
$2006
$341
DUI
$2031
$339
Reckless driving
$2039
$346
Driving with a suspended license
$2056
$343
Leaving scene of an accident/hit and run
$2123
$361
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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 Eagle Creek 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 Eagle Creek.
The cheapest car insurance premiums in
Eagle Creek are
offered by Capital Insurance Group at $603 for a six-month policy.
However, it can be as
expensive as $3244 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 Eagle Creek are offered by Kemper
at $404. However,
it can be as expensive as $3789
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Eagle Creek after Speeding ticket
Car insurance rates in Eagle Creek have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Eagle Creek rose by
$277 in January
compared to $267 of December. In other words, there has been an increase by $10 when you
compare January and December.
The average cost of liability insurance in the Eagle Creek remained steady at $99 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in Eagle Creek 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
Eagle Creek. At $2446 for a
six-month policy, insuring
your car at 97022 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 Eagle Creek?
The car insurance in Eagle Creek is $56 per month, which is lower than the national average.
What is the cheapest car insurance in Eagle Creek?
The cheapest car insurance in Eagle Creek
is $92 per month
for full coverage.
How much is car insurance in Eagle Creek for teenagers?
Car insurance for teenagers costs $306 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
Eagle Creek?
The average cost of car insurance is $880 for a six-month
policy. It will cost around $206 per month to insure your
car in Eagle Creek.
Is car insurance expensive in Eagle Creek?
Car insurance can be expensive in Eagle Creek if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Eagle Creek can be
affordable.
What is the best car insurance in Eagle Creek,
OR?
The best car insurance company in Eagle Creek
OR is
Kemper, offering $537 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Eagle Creek, OR
Car Insurance Rates by State in the USA (2025 Update)
Eagle Creek Car Insurance
