Cheapest Car Insurance Quotes in Falls City

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Falls City Car Insurance

^$ 43

/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 Falls City

The car insurance rate in Falls City is $920 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $413, making it a popular choice for budget-conscious drivers. Rates in Falls City 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 Falls City

$920

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Falls City

1st place: Kemper

At $413 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 $655 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 $769 for six months, making it the third cheapest auto insurance company in Falls City.

Falls City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Falls City, OR is Kemper, offering policies at just $413 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $655.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1691 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Falls City drivers find the best deals.

Cheap Car Insurance Companies in Falls City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$413	$71
Capital Insurance Group	$655	$109
American Family	$769	$129
Country Financial	$789	$133
Travelers	$820	$138
Progressive	$845	$142
Encompass	$865	$147
State Farm	$884	$149
Nationwide	$897	$151
USAA	$897	$151
Mutual of Enumclaw	$1189	$202
Farmers	$1258	$212
Allstate	$1691	$285

Key Takeaways

Way's key takeaways about car insurance in Falls City

The auto insurance costs in Falls City fall around $413 for six months.
The cheapest auto insurance company in Falls City is Kemper.
Teen drivers pay the highest rate in Falls City at $1002 per month.

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Cheapest Minimum Liability Car Insurance in Falls City

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 Falls City are given below.

Kemper provides the cheapest minimum car insurance coverage in Falls City. Their Average 6 Month Premium is $255. Allstate is the most expensive at $921 for the same period.

Cheapest Liability Coverage in Falls City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$255	$43
Capital Insurance Group	$337	$58
State Farm	$363	$61
USAA	$375	$63
Progressive	$394	$66
Travelers	$394	$66
Country Financial	$400	$67
American Family	$439	$74
California Casualty	$483	$80
Nationwide	$508	$86
Farmers	$681	$114
Allstate	$921	$155

Cheapest Full Coverage Car Insurance in Falls City

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 Falls City is Kemper at $71 per month and $413 for six months.

Cheapest Full Coverage Car Insurance Quotes in Falls City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$413	$71
Capital Insurance Group	$655	$109
American Family	$769	$129
Country Financial	$789	$133
Travelers	$820	$138
Progressive	$845	$142
Encompass	$865	$147
State Farm	$884	$149
Nationwide	$897	$151
USAA	$897	$151
Mutual of Enumclaw	$1189	$202
Farmers	$1258	$212
Allstate	$1691	$285

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Average Car Insurance in Falls City 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 Falls City, OR increasing?

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

Car Insurance Premiums by Age in Falls City

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	$683
30s	USAA	$556
40s	USAA	$516
50s	USAA	$495
60s	USAA	$516
70s	USAA	$627

Cheapest Car Insurance Rates for Teen Drivers in Falls City,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Falls City at $40 per month. At $5949 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$235	$40
Capital Insurance Group	$400	$66
Country Financial	$1061	$179
Travelers	$1405	$236
USAA	$1487	$250
State Farm	$1583	$266
American Family	$2168	$365
Progressive	$2454	$413
Nationwide	$4151	$706
Farmers	$5904	$994
Allstate	$5949	$1002

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 Falls City.

As young drivers face the highest rates in Falls City, USAA offers the cheapest auto insurance rates at $683 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 Falls City, Kemper is the cheapest car insurance provider. At $426 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 Falls City is State Farm, offering rates of around $3247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
Capital Insurance Group	$495	$85
Nationwide	$616	$103
Country Financial	$992	$167
Progressive	$1023	$172
American Family	$1214	$204
Travelers	$1323	$223
USAA	$1684	$287
Allstate	$2899	$483
Farmers	$2949	$502
State Farm	$3247	$541

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Car Insurance Rates with An Accident in Falls City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Falls City

The cheapest car insurance companies after an at-fault accident in Falls City include Kemper and Capital Insurance Group, offering $337 and $400, respectively. Allstate is an expensive provider with an average six-month premium of $2650.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$56
Capital Insurance Group	$400	$68
Capital	$452	$75
Encompass	$502	$86
State Farm	$668	$112
Travelers	$776	$131
USAA	$795	$134
Country Financial	$871	$147
Progressive	$921	$155
Nationwide	$1017	$171
American Family	$1081	$182
Farmers	$2104	$354
Allstate	$2650	$446

Falls City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Falls City OR. For example, the car insurance in Falls City after a DUI increases to $666 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Falls City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$897	$150
One Med/PIP claim	$897	$152
Not-at-fault accident	$928	$155
One comp claim	$947	$161
Two Med/PIP claims	$960	$159
Failure to wear a seat belt	$1023	$174
Two comp claims	$1049	$174
Child safety restraint	$1061	$181
Failure to show documents	$1061	$177
Driving without lights	$1068	$182
Driving with expired registration	$1094	$182
Speeding 11 - 15 MPH over limit	$1137	$194
Speeding 16 - 20 MPH over limit	$1137	$189
Speeding 6 - 10 MPH over limit	$1137	$194
Cell phone violation	$1144	$190
Driving too slowly	$1144	$195
Failure to yield	$1144	$190
Following too closely	$1144	$195
Illegal turn	$1144	$190
Texting while driving	$1144	$195
Wrong way/wrong lane	$1144	$190
Failure to stop at a red light	$1150	$196
Improper passing	$1150	$192
Passing school bus	$1195	$203
Speeding in school zone	$1195	$199
In 65 MPH zone	$1214	$207
Speeding 21 - 25 MPH over limit	$1220	$203
Open container	$1258	$214
At-fault accident - less than $1000	$1290	$215
Operating a vehicle without permission	$1297	$220
At-fault accident - $1000-$2000	$1373	$229
At-fault accident - greater than $2000	$1373	$233
Refusal to submit to a chemical test	$1538	$257
Racing	$1544	$262
DUI	$1563	$261
Reckless driving	$1570	$266
Driving with a suspended license	$1583	$264
Leaving scene of an accident/hit and run	$1634	$278

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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 Falls City 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 Falls City.

The cheapest car insurance premiums in Falls City are offered by Capital Insurance Group at $464 for a six-month policy. However, it can be as expensive as $2497 with companies like Nationwide.

Falls City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$464	$79
Kemper	$572	$95
Progressive	$724	$122
State Farm	$921	$155
Travelers	$928	$156
American Family	$1157	$195
USAA	$1258	$212
Country Financial	$1455	$245
Farmers	$2028	$341
Allstate	$2155	$363
Nationwide	$2497	$425

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 Falls City are offered by Kemper at $311. However, it can be as expensive as $2473 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Falls City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$311	$52
Capital Insurance Group	$375	$64
Nationwide	$508	$85
State Farm	$547	$92
Country Financial	$800	$135
Progressive	$800	$135
American Family	$820	$138
Travelers	$947	$159
USAA	$947	$158
Allstate	$2072	$352
Farmers	$2473	$412

Car Insurance Price Trends in Falls City, Oregon

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

The average cost of full coverage in the Falls City rose by $205 in December compared to $202 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 Falls City rose to $76 in December, compared to $74 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 Falls City?

The car insurance in Falls City is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Falls City?

The cheapest car insurance in Falls City is $71 per month for full coverage.

How much is car insurance in Falls City for teenagers?

Car insurance for teenagers costs $235 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 Falls City?

The average cost of car insurance is $860 for a six-month policy. It will cost around $155 per month to insure your car in Falls City.

Is car insurance expensive in Falls City?

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

What is the best car insurance in Falls City, OR?

The best car insurance company in Falls City OR is Kemper, offering $413 for a six-month policy.