Cheapest Car Insurance Quotes in Grass Valley

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Grass Valley Car Insurance

^$ 40

/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 Grass Valley

The car insurance rate in Grass Valley is $860 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Grass Valley 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 Grass Valley

$860

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Grass Valley

1st place: Kemper

At $386 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 $612 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 $719 for six months, making it the third cheapest auto insurance company in Grass Valley.

Grass Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grass Valley, OR is Kemper, offering policies at just $386 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $612.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1580 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grass Valley drivers find the best deals.

Cheap Car Insurance Companies in Grass Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$386	$66
Capital Insurance Group	$612	$102
American Family	$719	$121
Country Financial	$737	$124
Travelers	$766	$129
Progressive	$790	$133
Encompass	$808	$137
State Farm	$826	$139
Nationwide	$838	$141
USAA	$838	$141
Mutual of Enumclaw	$1111	$189
Farmers	$1176	$198
Allstate	$1580	$266

Key Takeaways

Way's key takeaways about car insurance in Grass Valley

The auto insurance costs in Grass Valley fall around $386 for six months.
The cheapest auto insurance company in Grass Valley is Kemper.
Teen drivers pay the highest rate in Grass Valley at $936 per month.

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Cheapest Minimum Liability Car Insurance in Grass Valley

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 Grass Valley are given below.

Kemper provides the cheapest minimum car insurance coverage in Grass Valley. Their Average 6 Month Premium is $238. Allstate is the most expensive at $861 for the same period.

Cheapest Liability Coverage in Grass Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$238	$40
Capital Insurance Group	$315	$54
State Farm	$339	$57
USAA	$350	$59
Progressive	$368	$62
Travelers	$368	$62
Country Financial	$374	$63
American Family	$410	$69
California Casualty	$451	$75
Nationwide	$475	$80
Farmers	$636	$107
Allstate	$861	$145

Cheapest Full Coverage Car Insurance in Grass Valley

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 Grass Valley is Kemper at $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grass Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$386	$66
Capital Insurance Group	$612	$102
American Family	$719	$121
Country Financial	$737	$124
Travelers	$766	$129
Progressive	$790	$133
Encompass	$808	$137
State Farm	$826	$139
Nationwide	$838	$141
USAA	$838	$141
Mutual of Enumclaw	$1111	$189
Farmers	$1176	$198
Allstate	$1580	$266

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Average Car Insurance in Grass Valley 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 Grass Valley, OR increasing?

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

Car Insurance Premiums by Age in Grass Valley

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	$638
30s	USAA	$520
40s	USAA	$482
50s	USAA	$463
60s	USAA	$482
70s	USAA	$586

Cheapest Car Insurance Rates for Teen Drivers in Grass Valley,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Grass Valley at $37 per month. At $5560 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$220	$37
Capital Insurance Group	$374	$62
Country Financial	$992	$167
Travelers	$1313	$221
USAA	$1390	$234
State Farm	$1479	$249
American Family	$2026	$341
Progressive	$2293	$386
Nationwide	$3879	$660
Farmers	$5518	$929
Allstate	$5560	$936

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 Grass Valley.

As young drivers face the highest rates in Grass Valley, USAA offers the cheapest auto insurance rates at $638 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 Grass Valley, Kemper is the cheapest car insurance provider. At $398 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 Grass Valley is State Farm, offering rates of around $3035 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
Capital Insurance Group	$463	$79
Nationwide	$576	$96
Country Financial	$927	$156
Progressive	$956	$161
American Family	$1135	$191
Travelers	$1236	$208
USAA	$1574	$268
Allstate	$2709	$451
Farmers	$2756	$469
State Farm	$3035	$506

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Car Insurance Rates with An Accident in Grass Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Grass Valley

The cheapest car insurance companies after an at-fault accident in Grass Valley include Kemper and Capital Insurance Group, offering $315 and $374, respectively. Allstate is an expensive provider with an average six-month premium of $2477.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$315	$52
Capital Insurance Group	$374	$64
Capital	$422	$70
Encompass	$469	$80
State Farm	$624	$105
Travelers	$725	$122
USAA	$743	$125
Country Financial	$814	$137
Progressive	$861	$145
Nationwide	$950	$160
American Family	$1010	$170
Farmers	$1966	$331
Allstate	$2477	$417

Grass Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grass Valley OR. For example, the car insurance in Grass Valley after a DUI increases to $623 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Grass Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$838	$140
One Med/PIP claim	$838	$142
Not-at-fault accident	$867	$145
One comp claim	$885	$150
Two Med/PIP claims	$897	$149
Failure to wear a seat belt	$956	$163
Two comp claims	$980	$163
Child safety restraint	$992	$169
Failure to show documents	$992	$165
Driving without lights	$998	$170
Driving with expired registration	$1022	$170
Speeding 11 - 15 MPH over limit	$1063	$181
Speeding 16 - 20 MPH over limit	$1063	$177
Speeding 6 - 10 MPH over limit	$1063	$181
Cell phone violation	$1069	$178
Driving too slowly	$1069	$182
Failure to yield	$1069	$178
Following too closely	$1069	$182
Illegal turn	$1069	$178
Texting while driving	$1069	$182
Wrong way/wrong lane	$1069	$178
Failure to stop at a red light	$1075	$183
Improper passing	$1075	$179
Passing school bus	$1117	$190
Speeding in school zone	$1117	$186
In 65 MPH zone	$1135	$193
Speeding 21 - 25 MPH over limit	$1140	$190
Open container	$1176	$200
At-fault accident - less than $1000	$1206	$201
Operating a vehicle without permission	$1212	$206
At-fault accident - $1000-$2000	$1283	$214
At-fault accident - greater than $2000	$1283	$218
Refusal to submit to a chemical test	$1437	$240
Racing	$1443	$245
DUI	$1461	$244
Reckless driving	$1467	$249
Driving with a suspended license	$1479	$247
Leaving scene of an accident/hit and run	$1527	$260

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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 Grass Valley 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 Grass Valley.

The cheapest car insurance premiums in Grass Valley are offered by Capital Insurance Group at $434 for a six-month policy. However, it can be as expensive as $2334 with companies like Nationwide.

Grass Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$434	$74
Kemper	$535	$89
Progressive	$677	$114
State Farm	$861	$145
Travelers	$867	$146
American Family	$1081	$182
USAA	$1176	$198
Country Financial	$1360	$229
Farmers	$1895	$319
Allstate	$2014	$339
Nationwide	$2334	$397

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 Grass Valley are offered by Kemper at $291. However, it can be as expensive as $2311 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grass Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$291	$49
Capital Insurance Group	$350	$60
Nationwide	$475	$79
State Farm	$511	$86
Country Financial	$748	$126
Progressive	$748	$126
American Family	$766	$129
Travelers	$885	$149
USAA	$885	$148
Allstate	$1936	$329
Farmers	$2311	$385

Car Insurance Price Trends in Grass Valley, Oregon

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

The average cost of full coverage in the Grass Valley rose by $192 in December compared to $189 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 Grass Valley rose to $71 in December, compared to $69 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 Grass Valley?

The car insurance in Grass Valley is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Grass Valley?

The cheapest car insurance in Grass Valley is $66 per month for full coverage.

How much is car insurance in Grass Valley for teenagers?

Car insurance for teenagers costs $220 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 Grass Valley?

The average cost of car insurance is $860 for a six-month policy. It will cost around $145 per month to insure your car in Grass Valley.

Is car insurance expensive in Grass Valley?

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

What is the best car insurance in Grass Valley, OR?

The best car insurance company in Grass Valley OR is Kemper, offering $386 for a six-month policy.