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Finding the cheapest car insurance quotes in Gales 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 Gales Creek
The car insurance rate in Gales Creek 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 Gales 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 $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 Gales Creek.
Gales Creek Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Gales Creek, 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 Gales Creek drivers find the best deals.
Way's key takeaways about car insurance in Gales Creek
The auto insurance costs in Gales Creek fall around $479 for six
months.
The cheapest auto insurance company in Gales Creek is Kemper.
Teen drivers pay the highest rate in Gales Creek at $1252 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 Gales 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 Gales Creek are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Gales Creek. Their Average 6 Month Premium is $295.
Allstate is the most
expensive at $1097 for the same
period.
Cheapest Full Coverage Car Insurance in Gales 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 Gales Creek is Kemper
at $82 per month and $479
for six months.
Cheapest Full Coverage Car Insurance Quotes in Gales Creek,
OR
Get Your Car Insurance Quote in Gales Creek
Instantly!
Average Car Insurance in Gales 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 Gales Creek, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Gales 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, Gales 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 Gales 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
$712
30s
USAA
$580
40s
USAA
$538
50s
USAA
$517
60s
USAA
$538
70s
USAA
$655
Cheapest Car Insurance Rates for Teen Drivers in
Gales Creek,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Gales Creek at $46
per
month. At $7439 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 Gales Creek.
As young drivers face the highest rates in Gales Creek, 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 Gales Creek,
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
Gales Creek is State Farm, offering
rates of around $5023 for six
months.
Save up to $971/yr on car insurance rates in Gales Creek.
Car Insurance Rates with An Accident in Gales 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 Gales Creek, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Gales Creek
The cheapest car insurance companies after an at-fault accident in
Gales Creek include Kemper
and Capital Insurance Group, offering $391
and $464,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3285.
Here is a list of driving violations that can increase your car
insurance rates in Gales Creek OR. For example, the car
insurance in Gales Creek
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.
Gales Creek 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 Gales 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 Gales Creek.
The cheapest car insurance premiums in
Gales Creek 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.
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 Gales Creek 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 Gales Creek after Speeding ticket
Car insurance rates in Gales Creek have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gales Creek 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 Gales Creek remained steady at $88 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in Gales 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
Gales Creek. At $2182 for a
six-month policy, insuring
your car at 97117 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 Gales Creek?
The car insurance in Gales Creek is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Gales Creek?
The cheapest car insurance in Gales Creek
is $82 per month
for full coverage.
How much is car insurance in Gales Creek 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
Gales Creek?
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 Gales Creek.
Is car insurance expensive in Gales Creek?
Car insurance can be expensive in Gales Creek if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Gales Creek can be
affordable.
What is the best car insurance in Gales Creek,
OR?
The best car insurance company in Gales Creek
OR is
Kemper, offering $479 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Gales Creek, OR
Car Insurance Rates by State in the USA (2025 Update)
Gales Creek Car Insurance
