Cheapest Car Insurance Quotes in Forest Grove

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Forest Grove Car Insurance

^$ 50

/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 Forest Grove

The car insurance rate in Forest Grove is $1091 for a six-month policy, which is $211 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $479, making it a popular choice for budget-conscious drivers. Rates in Forest Grove 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 Forest Grove

$1091

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Forest Grove

1st place: Kemper

At $479 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 $759 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 $839 for six months, making it the third cheapest auto insurance company in Forest Grove.

Forest Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Forest Grove, OR is Kemper, offering policies at just $479 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $759.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2077 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Forest Grove drivers find the best deals.

Cheap Car Insurance Companies in Forest Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$479	$82
Capital Insurance Group	$759	$126
American Family	$839	$141
Travelers	$942	$159
Progressive	$965	$162
Encompass	$1002	$167
USAA	$1032	$174
Nationwide	$1039	$175
State Farm	$1045	$176
Country Financial	$1068	$180
Mutual of Enumclaw	$1378	$234
Farmers	$1576	$265
Allstate	$2077	$350

Key Takeaways

Way's key takeaways about car insurance in Forest Grove

The auto insurance costs in Forest Grove fall around $479 for six months.
The cheapest auto insurance company in Forest Grove is Kemper.
Teen drivers pay the highest rate in Forest Grove at $1252 per month.

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Cheapest Minimum Liability Car Insurance in Forest Grove

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 Forest Grove are given below.

Kemper provides the cheapest minimum car insurance coverage in Forest Grove. Their Average 6 Month Premium is $295. Allstate is the most expensive at $1097 for the same period.

Cheapest Liability Coverage in Forest Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$295	$50
Capital Insurance Group	$391	$67
State Farm	$420	$71
USAA	$420	$71
American Family	$441	$74
Travelers	$441	$74
Progressive	$449	$76
Country Financial	$523	$88
California Casualty	$559	$93
Nationwide	$589	$99
Farmers	$817	$138
Allstate	$1097	$185

Cheapest Full Coverage Car Insurance in Forest Grove

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 Forest Grove is Kemper at $82 per month and $479 for six months.

Cheapest Full Coverage Car Insurance Quotes in Forest Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$479	$82
Capital Insurance Group	$759	$126
American Family	$839	$141
Travelers	$942	$159
Progressive	$965	$162
Encompass	$1002	$167
USAA	$1032	$174
Nationwide	$1039	$175
State Farm	$1045	$176
Country Financial	$1068	$180
Mutual of Enumclaw	$1378	$234
Farmers	$1576	$265
Allstate	$2077	$350

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Average Car Insurance in Forest Grove 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 Forest Grove, OR increasing?

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

Car Insurance Premiums by Age in Forest Grove

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	$712
30s	USAA	$580
40s	USAA	$538
50s	USAA	$517
60s	USAA	$538
70s	USAA	$655

Cheapest Car Insurance Rates for Teen Drivers in Forest Grove,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Forest Grove at $46 per month. At $7439 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$273	$46
Capital Insurance Group	$464	$77
Country Financial	$1533	$258
USAA	$1628	$274
Travelers	$1650	$278
State Farm	$1952	$329
American Family	$2408	$405
Progressive	$2518	$424
Nationwide	$4810	$818
Allstate	$7439	$1252
Farmers	$7439	$1252

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 Forest Grove.

As young drivers face the highest rates in Forest Grove, USAA offers the cheapest auto insurance rates at $712 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 Forest Grove, Kemper is the cheapest car insurance provider. At $494 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 Forest Grove is State Farm, offering rates of around $5023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$494	$82
Capital Insurance Group	$574	$98
Nationwide	$714	$119
Progressive	$1060	$179
American Family	$1290	$217
Country Financial	$1414	$238
Travelers	$1488	$250
USAA	$1856	$316
Allstate	$3778	$630
Farmers	$4014	$682
State Farm	$5023	$837

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Car Insurance Rates with An Accident in Forest Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Forest Grove

The cheapest car insurance companies after an at-fault accident in Forest Grove include Kemper and Capital Insurance Group, offering $391 and $464, respectively. Allstate is an expensive provider with an average six-month premium of $3285.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$391	$64
Capital Insurance Group	$464	$79
Capital	$523	$87
Encompass	$582	$99
State Farm	$796	$134
Travelers	$884	$149
USAA	$935	$157
Progressive	$1045	$176
American Family	$1178	$198
Nationwide	$1178	$198
Country Financial	$1238	$208
Farmers	$2703	$455
Allstate	$3285	$553

Forest Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Forest Grove OR. For example, the car insurance in Forest Grove after a DUI increases to $773 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Forest Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1039	$174
One Med/PIP claim	$1039	$176
Not-at-fault accident	$1075	$180
One comp claim	$1097	$186
Two Med/PIP claims	$1112	$185
Failure to wear a seat belt	$1185	$202
Two comp claims	$1215	$202
Child safety restraint	$1230	$210
Failure to show documents	$1230	$205
Driving without lights	$1238	$211
Driving with expired registration	$1267	$211
Speeding 11 - 15 MPH over limit	$1318	$224
Speeding 16 - 20 MPH over limit	$1318	$219
Speeding 6 - 10 MPH over limit	$1318	$224
Cell phone violation	$1326	$221
Driving too slowly	$1326	$226
Failure to yield	$1326	$221
Following too closely	$1326	$226
Illegal turn	$1326	$221
Texting while driving	$1326	$226
Wrong way/wrong lane	$1326	$221
Failure to stop at a red light	$1333	$227
Improper passing	$1333	$222
Passing school bus	$1385	$236
Speeding in school zone	$1385	$231
In 65 MPH zone	$1407	$239
Speeding 21 - 25 MPH over limit	$1414	$236
Open container	$1458	$248
At-fault accident - less than $1000	$1495	$249
Operating a vehicle without permission	$1503	$255
At-fault accident - $1000-$2000	$1591	$265
At-fault accident - greater than $2000	$1591	$270
Refusal to submit to a chemical test	$1782	$298
Racing	$1789	$304
DUI	$1812	$303
Reckless driving	$1819	$309
Driving with a suspended license	$1834	$306
Leaving scene of an accident/hit and run	$1893	$322

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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 Forest Grove 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 Forest Grove.

The cheapest car insurance premiums in Forest Grove are offered by Capital Insurance Group at $538 for a six-month policy. However, it can be as expensive as $2894 with companies like Nationwide.

Forest Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$538	$92
Kemper	$663	$110
Progressive	$825	$139
Travelers	$1060	$179
State Farm	$1112	$187
American Family	$1245	$210
USAA	$1385	$233
Farmers	$2600	$438
Country Financial	$2644	$445
Allstate	$2673	$450
Nationwide	$2894	$492

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 Forest Grove are offered by Kemper at $361. However, it can be as expensive as $3380 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Forest Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$61
Capital Insurance Group	$434	$74
Nationwide	$589	$98
State Farm	$692	$117
Progressive	$884	$149
American Family	$892	$150
Travelers	$1075	$181
USAA	$1090	$185
Country Financial	$1135	$191
Allstate	$2703	$460
Farmers	$3380	$563

Car Insurance Price Trends in Forest Grove, Oregon

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

The average cost of full coverage in the Forest Grove rose by $247 in January compared to $238 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Forest Grove remained steady at $88 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Forest Grove?

The car insurance in Forest Grove is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Forest Grove?

The cheapest car insurance in Forest Grove is $82 per month for full coverage.

How much is car insurance in Forest Grove for teenagers?

Car insurance for teenagers costs $273 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 Forest Grove?

The average cost of car insurance is $880 for a six-month policy. It will cost around $184 per month to insure your car in Forest Grove.

Is car insurance expensive in Forest Grove?

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

What is the best car insurance in Forest Grove, OR?

The best car insurance company in Forest Grove OR is Kemper, offering $479 for a six-month policy.