Cheapest Car Insurance Quotes in Eagle Point

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Eagle Point Car Insurance

^$ 38

/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 Eagle Point

The car insurance rate in Eagle Point is $808 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in Eagle Point 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 Eagle Point

$808

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Eagle Point

1st place: Kemper

At $363 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 $575 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 $676 for six months, making it the third cheapest auto insurance company in Eagle Point.

Eagle Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eagle Point, OR is Kemper, offering policies at just $363 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $575.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1485 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eagle Point drivers find the best deals.

Cheap Car Insurance Companies in Eagle Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$363	$62
Capital Insurance Group	$575	$96
American Family	$676	$114
Country Financial	$693	$117
Travelers	$720	$121
Progressive	$743	$125
Encompass	$760	$129
State Farm	$776	$131
Nationwide	$788	$133
USAA	$788	$133
Mutual of Enumclaw	$1044	$178
Farmers	$1105	$186
Allstate	$1485	$250

Key Takeaways

Way's key takeaways about car insurance in Eagle Point

The auto insurance costs in Eagle Point fall around $363 for six months.
The cheapest auto insurance company in Eagle Point is Kemper.
Teen drivers pay the highest rate in Eagle Point at $880 per month.

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Cheapest Minimum Liability Car Insurance in Eagle Point

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 Point are given below.

Kemper provides the cheapest minimum car insurance coverage in Eagle Point. Their Average 6 Month Premium is $224. Allstate is the most expensive at $809 for the same period.

Cheapest Liability Coverage in Eagle Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$224	$38
Capital Insurance Group	$296	$51
State Farm	$319	$54
USAA	$329	$55
Progressive	$346	$58
Travelers	$346	$58
Country Financial	$352	$59
American Family	$385	$65
California Casualty	$424	$71
Nationwide	$447	$75
Farmers	$598	$101
Allstate	$809	$136

Cheapest Full Coverage Car Insurance in Eagle Point

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 Point is Kemper at $62 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eagle Point, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$363	$62
Capital Insurance Group	$575	$96
American Family	$676	$114
Country Financial	$693	$117
Travelers	$720	$121
Progressive	$743	$125
Encompass	$760	$129
State Farm	$776	$131
Nationwide	$788	$133
USAA	$788	$133
Mutual of Enumclaw	$1044	$178
Farmers	$1105	$186
Allstate	$1485	$250

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Average Car Insurance in Eagle Point 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 Point, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Eagle Point, 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 Point'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 Point

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	$600
30s	USAA	$489
40s	USAA	$453
50s	USAA	$435
60s	USAA	$453
70s	USAA	$551

Cheapest Car Insurance Rates for Teen Drivers in Eagle Point,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Eagle Point at $35 per month. At $5226 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$207	$35
Capital Insurance Group	$352	$58
Country Financial	$932	$157
Travelers	$1234	$208
USAA	$1307	$220
State Farm	$1390	$234
American Family	$1904	$321
Progressive	$2155	$363
Nationwide	$3646	$620
Farmers	$5187	$873
Allstate	$5226	$880

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 Eagle Point.

As young drivers face the highest rates in Eagle Point, USAA offers the cheapest auto insurance rates at $600 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 Point, Kemper is the cheapest car insurance provider. At $374 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 Point is State Farm, offering rates of around $2853 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$62
Capital Insurance Group	$435	$74
Nationwide	$541	$90
Country Financial	$871	$147
Progressive	$899	$151
American Family	$1067	$180
Travelers	$1162	$196
USAA	$1480	$252
Allstate	$2546	$424
Farmers	$2591	$441
State Farm	$2853	$476

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Car Insurance Rates with An Accident in Eagle Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in Eagle Point

The cheapest car insurance companies after an at-fault accident in Eagle Point include Kemper and Capital Insurance Group, offering $296 and $352, respectively. Allstate is an expensive provider with an average six-month premium of $2328.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$296	$49
Capital Insurance Group	$352	$60
Capital	$397	$66
Encompass	$441	$75
State Farm	$587	$99
Travelers	$682	$115
USAA	$698	$118
Country Financial	$765	$129
Progressive	$809	$136
Nationwide	$893	$150
American Family	$949	$160
Farmers	$1848	$311
Allstate	$2328	$392

Eagle Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eagle Point OR. For example, the car insurance in Eagle Point after a DUI increases to $585 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Eagle Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$788	$132
One Med/PIP claim	$788	$133
Not-at-fault accident	$815	$136
One comp claim	$832	$141
Two Med/PIP claims	$843	$140
Failure to wear a seat belt	$899	$153
Two comp claims	$921	$153
Child safety restraint	$932	$159
Failure to show documents	$932	$155
Driving without lights	$938	$160
Driving with expired registration	$961	$160
Speeding 11 - 15 MPH over limit	$999	$170
Speeding 16 - 20 MPH over limit	$999	$166
Speeding 6 - 10 MPH over limit	$999	$170
Cell phone violation	$1005	$167
Driving too slowly	$1005	$171
Failure to yield	$1005	$167
Following too closely	$1005	$171
Illegal turn	$1005	$167
Texting while driving	$1005	$171
Wrong way/wrong lane	$1005	$167
Failure to stop at a red light	$1010	$172
Improper passing	$1010	$168
Passing school bus	$1050	$179
Speeding in school zone	$1050	$175
In 65 MPH zone	$1067	$181
Speeding 21 - 25 MPH over limit	$1072	$179
Open container	$1105	$188
At-fault accident - less than $1000	$1134	$189
Operating a vehicle without permission	$1139	$194
At-fault accident - $1000-$2000	$1206	$201
At-fault accident - greater than $2000	$1206	$205
Refusal to submit to a chemical test	$1351	$226
Racing	$1356	$230
DUI	$1373	$229
Reckless driving	$1379	$234
Driving with a suspended license	$1390	$232
Leaving scene of an accident/hit and run	$1435	$244

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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 Point 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 Point.

The cheapest car insurance premiums in Eagle Point are offered by Capital Insurance Group at $408 for a six-month policy. However, it can be as expensive as $2194 with companies like Nationwide.

Eagle Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$408	$70
Kemper	$503	$84
Progressive	$636	$107
State Farm	$809	$136
Travelers	$815	$137
American Family	$1016	$171
USAA	$1105	$186
Country Financial	$1278	$215
Farmers	$1781	$300
Allstate	$1893	$319
Nationwide	$2194	$373

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 Eagle Point are offered by Kemper at $274. However, it can be as expensive as $2172 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Eagle Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$274	$46
Capital Insurance Group	$329	$56
Nationwide	$447	$74
State Farm	$480	$81
Country Financial	$703	$118
Progressive	$703	$118
American Family	$720	$121
Travelers	$832	$140
USAA	$832	$139
Allstate	$1820	$309
Farmers	$2172	$362

Car Insurance Price Trends in Eagle Point, Oregon

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

The average cost of full coverage in the Eagle Point rose by $180 in December compared to $178 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Eagle Point rose to $67 in December, compared to $65 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 Eagle Point?

The car insurance in Eagle Point is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Eagle Point?

The cheapest car insurance in Eagle Point is $62 per month for full coverage.

How much is car insurance in Eagle Point for teenagers?

Car insurance for teenagers costs $207 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 Point?

The average cost of car insurance is $860 for a six-month policy. It will cost around $136 per month to insure your car in Eagle Point.

Is car insurance expensive in Eagle Point?

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

What is the best car insurance in Eagle Point, OR?

The best car insurance company in Eagle Point OR is Kemper, offering $363 for a six-month policy.