Cheapest Car Insurance Quotes in Grants Pass

Finding the cheapest car insurance quotes in Grants Pass 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Grants Pass Car Insurance

^$ 44

/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 Grants Pass

The car insurance rate in Grants Pass is $959 for a six-month policy, which is $79 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $421, making it a popular choice for budget-conscious drivers. Rates in Grants Pass 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 Grants Pass

$959

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Grants Pass

1st place: Kemper

At $421 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 $667 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 $738 for six months, making it the third cheapest auto insurance company in Grants Pass.

Grants Pass Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grants Pass, OR is Kemper, offering policies at just $421 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $667.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1826 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grants Pass drivers find the best deals.

Cheap Car Insurance Companies in Grants Pass, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$421	$72
Capital Insurance Group	$667	$111
American Family	$738	$124
Travelers	$828	$140
Progressive	$848	$143
Encompass	$881	$147
USAA	$907	$153
Nationwide	$913	$154
State Farm	$919	$155
Country Financial	$938	$158
Mutual of Enumclaw	$1211	$206
Farmers	$1385	$233
Allstate	$1826	$307

Key Takeaways

Way's key takeaways about car insurance in Grants Pass

The auto insurance costs in Grants Pass fall around $421 for six months.
The cheapest auto insurance company in Grants Pass is Kemper.
Teen drivers pay the highest rate in Grants Pass at $1101 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 Grants Pass

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 Grants Pass are given below.

Kemper provides the cheapest minimum car insurance coverage in Grants Pass. Their Average 6 Month Premium is $259. Allstate is the most expensive at $965 for the same period.

Cheapest Liability Coverage in Grants Pass, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$259	$44
Capital Insurance Group	$343	$59
State Farm	$370	$62
USAA	$370	$62
American Family	$388	$65
Travelers	$388	$65
Progressive	$395	$66
Country Financial	$460	$77
California Casualty	$492	$82
Nationwide	$518	$87
Farmers	$718	$121
Allstate	$965	$162

Cheapest Full Coverage Car Insurance in Grants Pass

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 Grants Pass is Kemper at $72 per month and $421 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grants Pass, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$421	$72
Capital Insurance Group	$667	$111
American Family	$738	$124
Travelers	$828	$140
Progressive	$848	$143
Encompass	$881	$147
USAA	$907	$153
Nationwide	$913	$154
State Farm	$919	$155
Country Financial	$938	$158
Mutual of Enumclaw	$1211	$206
Farmers	$1385	$233
Allstate	$1826	$307

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Grants Pass Instantly!

Average Car Insurance in Grants Pass 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 Grants Pass, OR increasing?

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

Car Insurance Premiums by Age in Grants Pass

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	$626
30s	USAA	$510
40s	USAA	$473
50s	USAA	$455
60s	USAA	$473
70s	USAA	$576

Cheapest Car Insurance Rates for Teen Drivers in Grants Pass,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Grants Pass at $40 per month. At $6539 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$240	$40
Capital Insurance Group	$408	$68
Country Financial	$1347	$227
USAA	$1431	$241
Travelers	$1451	$244
State Farm	$1716	$289
American Family	$2117	$356
Progressive	$2214	$373
Nationwide	$4228	$719
Allstate	$6539	$1101
Farmers	$6539	$1101

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 Grants Pass.

As young drivers face the highest rates in Grants Pass, USAA offers the cheapest auto insurance rates at $626 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 Grants Pass, Kemper is the cheapest car insurance provider. At $434 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 Grants Pass is State Farm, offering rates of around $4416 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$434	$72
Capital Insurance Group	$505	$86
Nationwide	$628	$105
Progressive	$932	$157
American Family	$1134	$191
Country Financial	$1243	$209
Travelers	$1308	$220
USAA	$1632	$278
Allstate	$3321	$554
Farmers	$3528	$600
State Farm	$4416	$736

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Grants Pass.

Car Insurance Rates with An Accident in Grants Pass

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

Cheapest Car Insurance Companies after an At-Fault Accident in Grants Pass

The cheapest car insurance companies after an at-fault accident in Grants Pass include Kemper and Capital Insurance Group, offering $343 and $408, respectively. Allstate is an expensive provider with an average six-month premium of $2887.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$57
Capital Insurance Group	$408	$70
Capital	$460	$76
Encompass	$511	$87
State Farm	$700	$118
Travelers	$777	$131
USAA	$822	$138
Progressive	$919	$155
American Family	$1036	$174
Nationwide	$1036	$174
Country Financial	$1088	$183
Farmers	$2376	$400
Allstate	$2887	$486

Grants Pass Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grants Pass OR. For example, the car insurance in Grants Pass after a DUI increases to $679 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Grants Pass auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$913	$153
One Med/PIP claim	$913	$155
Not-at-fault accident	$945	$158
One comp claim	$965	$164
Two Med/PIP claims	$978	$162
Failure to wear a seat belt	$1042	$178
Two comp claims	$1068	$178
Child safety restraint	$1081	$184
Failure to show documents	$1081	$180
Driving without lights	$1088	$185
Driving with expired registration	$1114	$185
Speeding 11 - 15 MPH over limit	$1159	$197
Speeding 16 - 20 MPH over limit	$1159	$193
Speeding 6 - 10 MPH over limit	$1159	$197
Cell phone violation	$1165	$194
Driving too slowly	$1165	$198
Failure to yield	$1165	$194
Following too closely	$1165	$198
Illegal turn	$1165	$194
Texting while driving	$1165	$198
Wrong way/wrong lane	$1165	$194
Failure to stop at a red light	$1172	$199
Improper passing	$1172	$195
Passing school bus	$1218	$207
Speeding in school zone	$1218	$203
In 65 MPH zone	$1237	$210
Speeding 21 - 25 MPH over limit	$1243	$207
Open container	$1282	$218
At-fault accident - less than $1000	$1315	$219
Operating a vehicle without permission	$1321	$225
At-fault accident - $1000-$2000	$1398	$233
At-fault accident - greater than $2000	$1398	$238
Refusal to submit to a chemical test	$1566	$262
Racing	$1573	$267
DUI	$1592	$266
Reckless driving	$1599	$271
Driving with a suspended license	$1612	$269
Leaving scene of an accident/hit and run	$1664	$283

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Grants Pass 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 Grants Pass.

The cheapest car insurance premiums in Grants Pass are offered by Capital Insurance Group at $473 for a six-month policy. However, it can be as expensive as $2544 with companies like Nationwide.

Grants Pass car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$473	$81
Kemper	$583	$97
Progressive	$725	$122
Travelers	$932	$157
State Farm	$978	$165
American Family	$1094	$184
USAA	$1218	$205
Farmers	$2286	$385
Country Financial	$2324	$391
Allstate	$2350	$396
Nationwide	$2544	$433

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 Grants Pass are offered by Kemper at $317. However, it can be as expensive as $2971 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grants Pass after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$317	$53
Capital Insurance Group	$382	$65
Nationwide	$518	$86
State Farm	$608	$102
Progressive	$777	$131
American Family	$784	$132
Travelers	$945	$159
USAA	$958	$162
Country Financial	$997	$168
Allstate	$2376	$404
Farmers	$2971	$495

Car Insurance Price Trends in Grants Pass, Oregon

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

The average cost of full coverage in the Grants Pass rose by $217 in January compared to $209 of December. In other words, there has been an increase by $8 when you compare January and December.

The average cost of liability insurance in the Grants Pass remained steady at $77 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Grants Pass?

The car insurance in Grants Pass is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Grants Pass?

The cheapest car insurance in Grants Pass is $72 per month for full coverage.

How much is car insurance in Grants Pass for teenagers?

Car insurance for teenagers costs $240 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 Grants Pass?

The average cost of car insurance is $880 for a six-month policy. It will cost around $161 per month to insure your car in Grants Pass.

Is car insurance expensive in Grants Pass?

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

What is the best car insurance in Grants Pass, OR?

The best car insurance company in Grants Pass OR is Kemper, offering $421 for a six-month policy.