Cheapest Car Insurance Quotes in Gervais

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Gervais Car Insurance

^$ 45

/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 Gervais

The car insurance rate in Gervais is $972 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Gervais 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 Gervais

$972

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Gervais

1st place: Kemper

At $436 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 $692 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 $812 for six months, making it the third cheapest auto insurance company in Gervais.

Gervais Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gervais, OR is Kemper, offering policies at just $436 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $692.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1785 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gervais drivers find the best deals.

Cheap Car Insurance Companies in Gervais, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$75
Capital Insurance Group	$692	$115
American Family	$812	$137
Country Financial	$833	$140
Travelers	$866	$146
Progressive	$893	$150
Encompass	$913	$155
State Farm	$933	$157
Nationwide	$947	$159
USAA	$947	$159
Mutual of Enumclaw	$1255	$214
Farmers	$1329	$224
Allstate	$1785	$301

Key Takeaways

Way's key takeaways about car insurance in Gervais

The auto insurance costs in Gervais fall around $436 for six months.
The cheapest auto insurance company in Gervais is Kemper.
Teen drivers pay the highest rate in Gervais at $1058 per month.

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Cheapest Minimum Liability Car Insurance in Gervais

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 Gervais are given below.

Kemper provides the cheapest minimum car insurance coverage in Gervais. Their Average 6 Month Premium is $269. Allstate is the most expensive at $973 for the same period.

Cheapest Liability Coverage in Gervais, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$269	$45
Capital Insurance Group	$356	$61
State Farm	$383	$64
USAA	$395	$67
Progressive	$416	$70
Travelers	$416	$70
Country Financial	$423	$71
American Family	$463	$78
California Casualty	$510	$85
Nationwide	$537	$90
Farmers	$719	$121
Allstate	$973	$164

Cheapest Full Coverage Car Insurance in Gervais

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 Gervais is Kemper at $75 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gervais, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$75
Capital Insurance Group	$692	$115
American Family	$812	$137
Country Financial	$833	$140
Travelers	$866	$146
Progressive	$893	$150
Encompass	$913	$155
State Farm	$933	$157
Nationwide	$947	$159
USAA	$947	$159
Mutual of Enumclaw	$1255	$214
Farmers	$1329	$224
Allstate	$1785	$301

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Average Car Insurance in Gervais 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 Gervais, OR increasing?

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

Car Insurance Premiums by Age in Gervais

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	$721
30s	USAA	$588
40s	USAA	$545
50s	USAA	$523
60s	USAA	$545
70s	USAA	$662

Cheapest Car Insurance Rates for Teen Drivers in Gervais,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Gervais at $42 per month. At $6283 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$249	$42
Capital Insurance Group	$423	$70
Country Financial	$1121	$189
Travelers	$1484	$250
USAA	$1571	$264
State Farm	$1671	$281
American Family	$2289	$385
Progressive	$2591	$436
Nationwide	$4383	$746
Farmers	$6235	$1050
Allstate	$6283	$1058

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 Gervais.

As young drivers face the highest rates in Gervais, USAA offers the cheapest auto insurance rates at $721 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 Gervais, Kemper is the cheapest car insurance provider. At $450 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 Gervais is State Farm, offering rates of around $3430 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$450	$75
Capital Insurance Group	$523	$89
Nationwide	$651	$108
Country Financial	$1048	$176
Progressive	$1080	$182
American Family	$1283	$216
Travelers	$1397	$235
USAA	$1779	$303
Allstate	$3061	$510
Farmers	$3114	$530
State Farm	$3430	$572

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Car Insurance Rates with An Accident in Gervais

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gervais

The cheapest car insurance companies after an at-fault accident in Gervais include Kemper and Capital Insurance Group, offering $356 and $423, respectively. Allstate is an expensive provider with an average six-month premium of $2799.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$356	$59
Capital Insurance Group	$423	$72
Capital	$477	$79
Encompass	$530	$90
State Farm	$705	$119
Travelers	$819	$138
USAA	$840	$141
Country Financial	$920	$155
Progressive	$973	$164
Nationwide	$1074	$181
American Family	$1141	$192
Farmers	$2222	$374
Allstate	$2799	$471

Gervais Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gervais OR. For example, the car insurance in Gervais after a DUI increases to $704 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Gervais auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$947	$158
One Med/PIP claim	$947	$160
Not-at-fault accident	$980	$164
One comp claim	$1000	$169
Two Med/PIP claims	$1014	$168
Failure to wear a seat belt	$1080	$184
Two comp claims	$1107	$184
Child safety restraint	$1121	$191
Failure to show documents	$1121	$186
Driving without lights	$1128	$192
Driving with expired registration	$1155	$192
Speeding 11 - 15 MPH over limit	$1201	$205
Speeding 16 - 20 MPH over limit	$1201	$200
Speeding 6 - 10 MPH over limit	$1201	$205
Cell phone violation	$1208	$201
Driving too slowly	$1208	$206
Failure to yield	$1208	$201
Following too closely	$1208	$206
Illegal turn	$1208	$201
Texting while driving	$1208	$206
Wrong way/wrong lane	$1208	$201
Failure to stop at a red light	$1215	$207
Improper passing	$1215	$202
Passing school bus	$1262	$215
Speeding in school zone	$1262	$210
In 65 MPH zone	$1283	$218
Speeding 21 - 25 MPH over limit	$1288	$215
Open container	$1329	$226
At-fault accident - less than $1000	$1363	$227
Operating a vehicle without permission	$1370	$233
At-fault accident - $1000-$2000	$1450	$242
At-fault accident - greater than $2000	$1450	$246
Refusal to submit to a chemical test	$1624	$271
Racing	$1631	$277
DUI	$1651	$276
Reckless driving	$1658	$281
Driving with a suspended license	$1671	$279
Leaving scene of an accident/hit and run	$1726	$294

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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 Gervais 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 Gervais.

The cheapest car insurance premiums in Gervais are offered by Capital Insurance Group at $490 for a six-month policy. However, it can be as expensive as $2637 with companies like Nationwide.

Gervais car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$490	$84
Kemper	$605	$101
Progressive	$765	$129
State Farm	$973	$164
Travelers	$980	$165
American Family	$1222	$206
USAA	$1329	$224
Country Financial	$1537	$259
Farmers	$2141	$360
Allstate	$2276	$383
Nationwide	$2637	$449

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 Gervais are offered by Kemper at $329. However, it can be as expensive as $2611 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gervais after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$329	$55
Capital Insurance Group	$395	$68
Nationwide	$537	$89
State Farm	$577	$97
Country Financial	$845	$142
Progressive	$845	$142
American Family	$866	$146
Travelers	$1000	$168
USAA	$1000	$167
Allstate	$2188	$372
Farmers	$2611	$435

Car Insurance Price Trends in Gervais, Oregon

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

The average cost of full coverage in the Gervais rose by $217 in December compared to $214 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 Gervais rose to $80 in December, compared to $78 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 Gervais?

The car insurance in Gervais is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Gervais?

The cheapest car insurance in Gervais is $75 per month for full coverage.

How much is car insurance in Gervais for teenagers?

Car insurance for teenagers costs $249 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 Gervais?

The average cost of car insurance is $860 for a six-month policy. It will cost around $164 per month to insure your car in Gervais.

Is car insurance expensive in Gervais?

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

What is the best car insurance in Gervais, OR?

The best car insurance company in Gervais OR is Kemper, offering $436 for a six-month policy.