Cheapest Car Insurance Quotes in Government Camp

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Government Camp Car Insurance

^$ 52

/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 Government Camp

The car insurance rate in Government Camp is $1135 for a six-month policy, which is $255 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $498, making it a popular choice for budget-conscious drivers. Rates in Government Camp 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 Government Camp

$1135

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Government Camp

1st place: Kemper

At $498 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 $789 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 $873 for six months, making it the third cheapest auto insurance company in Government Camp.

Government Camp Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Government Camp, OR is Kemper, offering policies at just $498 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $789.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2161 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Government Camp drivers find the best deals.

Cheap Car Insurance Companies in Government Camp, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$85
Capital Insurance Group	$789	$132
American Family	$873	$147
Travelers	$980	$165
Progressive	$1004	$169
Encompass	$1042	$174
USAA	$1073	$181
Nationwide	$1081	$182
State Farm	$1087	$183
Country Financial	$1111	$187
Mutual of Enumclaw	$1433	$244
Farmers	$1640	$276
Allstate	$2161	$364

Key Takeaways

Way's key takeaways about car insurance in Government Camp

The auto insurance costs in Government Camp fall around $498 for six months.
The cheapest auto insurance company in Government Camp is Kemper.
Teen drivers pay the highest rate in Government Camp at $1303 per month.

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Cheapest Minimum Liability Car Insurance in Government Camp

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 Government Camp are given below.

Kemper provides the cheapest minimum car insurance coverage in Government Camp. Their Average 6 Month Premium is $307. Allstate is the most expensive at $1142 for the same period.

Cheapest Liability Coverage in Government Camp, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$307	$52
Capital Insurance Group	$406	$70
State Farm	$437	$74
USAA	$437	$74
American Family	$459	$77
Travelers	$459	$77
Progressive	$467	$79
Country Financial	$544	$92
California Casualty	$582	$97
Nationwide	$613	$103
Farmers	$850	$143
Allstate	$1142	$192

Cheapest Full Coverage Car Insurance in Government Camp

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 Government Camp is Kemper at $85 per month and $498 for six months.

Cheapest Full Coverage Car Insurance Quotes in Government Camp, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$85
Capital Insurance Group	$789	$132
American Family	$873	$147
Travelers	$980	$165
Progressive	$1004	$169
Encompass	$1042	$174
USAA	$1073	$181
Nationwide	$1081	$182
State Farm	$1087	$183
Country Financial	$1111	$187
Mutual of Enumclaw	$1433	$244
Farmers	$1640	$276
Allstate	$2161	$364

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Average Car Insurance in Government Camp 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 Government Camp, OR increasing?

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

Car Insurance Premiums by Age in Government Camp

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	$740
30s	USAA	$604
40s	USAA	$560
50s	USAA	$538
60s	USAA	$560
70s	USAA	$681

Cheapest Car Insurance Rates for Teen Drivers in Government Camp,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Government Camp at $48 per month. At $7739 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$284	$48
Capital Insurance Group	$482	$80
Country Financial	$1594	$268
USAA	$1694	$285
Travelers	$1717	$289
State Farm	$2030	$342
American Family	$2505	$422
Progressive	$2620	$441
Nationwide	$5004	$851
Allstate	$7739	$1303
Farmers	$7739	$1303

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 Government Camp.

As young drivers face the highest rates in Government Camp, USAA offers the cheapest auto insurance rates at $740 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 Government Camp, Kemper is the cheapest car insurance provider. At $513 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 Government Camp is State Farm, offering rates of around $5226 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$85
Capital Insurance Group	$597	$102
Nationwide	$743	$124
Progressive	$1103	$186
American Family	$1342	$226
Country Financial	$1471	$248
Travelers	$1548	$261
USAA	$1931	$329
Allstate	$3931	$655
Farmers	$4176	$710
State Farm	$5226	$871

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Car Insurance Rates with An Accident in Government Camp

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

Cheapest Car Insurance Companies after an At-Fault Accident in Government Camp

The cheapest car insurance companies after an at-fault accident in Government Camp include Kemper and Capital Insurance Group, offering $406 and $482, respectively. Allstate is an expensive provider with an average six-month premium of $3417.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$406	$67
Capital Insurance Group	$482	$83
Capital	$544	$90
Encompass	$605	$103
State Farm	$828	$139
Travelers	$920	$155
USAA	$973	$164
Progressive	$1087	$183
American Family	$1226	$206
Nationwide	$1226	$206
Country Financial	$1287	$217
Farmers	$2812	$473
Allstate	$3417	$575

Government Camp Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Government Camp OR. For example, the car insurance in Government Camp after a DUI increases to $804 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Government Camp auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1081	$181
One Med/PIP claim	$1081	$183
Not-at-fault accident	$1118	$187
One comp claim	$1142	$194
Two Med/PIP claims	$1157	$192
Failure to wear a seat belt	$1233	$210
Two comp claims	$1264	$210
Child safety restraint	$1280	$218
Failure to show documents	$1280	$213
Driving without lights	$1287	$219
Driving with expired registration	$1318	$219
Speeding 11 - 15 MPH over limit	$1371	$233
Speeding 16 - 20 MPH over limit	$1371	$228
Speeding 6 - 10 MPH over limit	$1371	$233
Cell phone violation	$1379	$230
Driving too slowly	$1379	$235
Failure to yield	$1379	$230
Following too closely	$1379	$235
Illegal turn	$1379	$230
Texting while driving	$1379	$235
Wrong way/wrong lane	$1379	$230
Failure to stop at a red light	$1387	$236
Improper passing	$1387	$231
Passing school bus	$1441	$245
Speeding in school zone	$1441	$240
In 65 MPH zone	$1464	$249
Speeding 21 - 25 MPH over limit	$1471	$245
Open container	$1517	$258
At-fault accident - less than $1000	$1556	$259
Operating a vehicle without permission	$1563	$266
At-fault accident - $1000-$2000	$1655	$276
At-fault accident - greater than $2000	$1655	$281
Refusal to submit to a chemical test	$1854	$310
Racing	$1861	$316
DUI	$1885	$315
Reckless driving	$1892	$321
Driving with a suspended license	$1908	$319
Leaving scene of an accident/hit and run	$1970	$335

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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 Government Camp 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 Government Camp.

The cheapest car insurance premiums in Government Camp are offered by Capital Insurance Group at $560 for a six-month policy. However, it can be as expensive as $3011 with companies like Nationwide.

Government Camp car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$560	$95
Kemper	$690	$115
Progressive	$858	$144
Travelers	$1103	$186
State Farm	$1157	$195
American Family	$1295	$218
USAA	$1441	$243
Farmers	$2705	$455
Country Financial	$2750	$463
Allstate	$2781	$468
Nationwide	$3011	$512

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 Government Camp are offered by Kemper at $375. However, it can be as expensive as $3517 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Government Camp after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$63
Capital Insurance Group	$452	$77
Nationwide	$613	$102
State Farm	$720	$121
Progressive	$920	$155
American Family	$928	$156
Travelers	$1118	$188
USAA	$1134	$192
Country Financial	$1180	$199
Allstate	$2812	$479
Farmers	$3517	$586

Car Insurance Price Trends in Government Camp, Oregon

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

The average cost of full coverage in the Government Camp rose by $257 in January compared to $248 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 Government Camp remained steady at $92 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 Government Camp?

The car insurance in Government Camp is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Government Camp?

The cheapest car insurance in Government Camp is $85 per month for full coverage.

How much is car insurance in Government Camp for teenagers?

Car insurance for teenagers costs $284 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 Government Camp?

The average cost of car insurance is $880 for a six-month policy. It will cost around $191 per month to insure your car in Government Camp.

Is car insurance expensive in Government Camp?

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

What is the best car insurance in Government Camp, OR?

The best car insurance company in Government Camp OR is Kemper, offering $498 for a six-month policy.