Cheapest Car Insurance Quotes in Happy Valley

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Happy Valley Car Insurance

^$ 51

/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 Happy Valley

The car insurance rate in Happy Valley is $1092 for a six-month policy, which is $232 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $490, making it a popular choice for budget-conscious drivers. Rates in Happy 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 Happy Valley

$1092

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Happy Valley

1st place: Kemper

At $490 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 $777 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 $913 for six months, making it the third cheapest auto insurance company in Happy Valley.

Happy Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Happy Valley, OR is Kemper, offering policies at just $490 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $777.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2007 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Happy Valley drivers find the best deals.

Cheap Car Insurance Companies in Happy Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$490	$84
Capital Insurance Group	$777	$130
American Family	$913	$154
Country Financial	$936	$157
Travelers	$973	$164
Progressive	$1003	$169
Encompass	$1026	$174
State Farm	$1049	$177
Nationwide	$1064	$179
USAA	$1064	$179
Mutual of Enumclaw	$1411	$240
Farmers	$1494	$251
Allstate	$2007	$338

Key Takeaways

Way's key takeaways about car insurance in Happy Valley

The auto insurance costs in Happy Valley fall around $490 for six months.
The cheapest auto insurance company in Happy Valley is Kemper.
Teen drivers pay the highest rate in Happy Valley at $1189 per month.

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Cheapest Minimum Liability Car Insurance in Happy 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 Happy Valley are given below.

Kemper provides the cheapest minimum car insurance coverage in Happy Valley. Their Average 6 Month Premium is $302. Allstate is the most expensive at $1093 for the same period.

Cheapest Liability Coverage in Happy Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$302	$51
Capital Insurance Group	$400	$69
State Farm	$431	$72
USAA	$445	$75
Progressive	$467	$79
Travelers	$467	$79
Country Financial	$475	$80
American Family	$521	$88
California Casualty	$573	$95
Nationwide	$603	$102
Farmers	$808	$136
Allstate	$1093	$184

Cheapest Full Coverage Car Insurance in Happy 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 Happy Valley is Kemper at $84 per month and $490 for six months.

Cheapest Full Coverage Car Insurance Quotes in Happy Valley, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$490	$84
Capital Insurance Group	$777	$130
American Family	$913	$154
Country Financial	$936	$157
Travelers	$973	$164
Progressive	$1003	$169
Encompass	$1026	$174
State Farm	$1049	$177
Nationwide	$1064	$179
USAA	$1064	$179
Mutual of Enumclaw	$1411	$240
Farmers	$1494	$251
Allstate	$2007	$338

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Average Car Insurance in Happy 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 Happy Valley, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Happy 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, Happy 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 Happy 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	$810
30s	USAA	$660
40s	USAA	$612
50s	USAA	$588
60s	USAA	$612
70s	USAA	$744

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Happy Valley at $47 per month. At $7061 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$279	$47
Capital Insurance Group	$475	$79
Country Financial	$1260	$212
Travelers	$1668	$281
USAA	$1765	$297
State Farm	$1878	$316
American Family	$2573	$433
Progressive	$2912	$490
Nationwide	$4926	$838
Farmers	$7008	$1180
Allstate	$7061	$1189

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 Happy Valley.

As young drivers face the highest rates in Happy Valley, USAA offers the cheapest auto insurance rates at $810 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 Happy Valley, Kemper is the cheapest car insurance provider. At $505 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 Happy Valley is State Farm, offering rates of around $3854 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$505	$84
Capital Insurance Group	$588	$100
Nationwide	$732	$122
Country Financial	$1177	$198
Progressive	$1214	$204
American Family	$1441	$243
Travelers	$1570	$264
USAA	$1999	$340
Allstate	$3440	$573
Farmers	$3500	$596
State Farm	$3854	$643

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Car Insurance Rates with An Accident in Happy 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 Happy Valley, OR, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Happy Valley include Kemper and Capital Insurance Group, offering $400 and $475, respectively. Allstate is an expensive provider with an average six-month premium of $3146.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$400	$66
Capital Insurance Group	$475	$81
Capital	$536	$89
Encompass	$596	$102
State Farm	$792	$133
Travelers	$921	$155
USAA	$944	$159
Country Financial	$1034	$174
Progressive	$1093	$184
Nationwide	$1207	$203
American Family	$1283	$216
Farmers	$2497	$420
Allstate	$3146	$530

Happy Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Happy Valley OR. For example, the car insurance in Happy Valley after a DUI increases to $791 for a six month policy. While the rate increases by $286 for a six-month policy in the case of a speeding ticket.

Happy Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1064	$178
One Med/PIP claim	$1064	$180
Not-at-fault accident	$1101	$184
One comp claim	$1124	$191
Two Med/PIP claims	$1139	$189
Failure to wear a seat belt	$1214	$207
Two comp claims	$1245	$207
Child safety restraint	$1260	$215
Failure to show documents	$1260	$210
Driving without lights	$1267	$216
Driving with expired registration	$1298	$216
Speeding 11 - 15 MPH over limit	$1350	$230
Speeding 16 - 20 MPH over limit	$1350	$225
Speeding 6 - 10 MPH over limit	$1350	$230
Cell phone violation	$1358	$226
Driving too slowly	$1358	$231
Failure to yield	$1358	$226
Following too closely	$1358	$231
Illegal turn	$1358	$226
Texting while driving	$1358	$231
Wrong way/wrong lane	$1358	$226
Failure to stop at a red light	$1365	$232
Improper passing	$1365	$227
Passing school bus	$1419	$241
Speeding in school zone	$1419	$236
In 65 MPH zone	$1441	$245
Speeding 21 - 25 MPH over limit	$1448	$241
Open container	$1494	$254
At-fault accident - less than $1000	$1532	$255
Operating a vehicle without permission	$1539	$262
At-fault accident - $1000-$2000	$1629	$272
At-fault accident - greater than $2000	$1629	$277
Refusal to submit to a chemical test	$1825	$305
Racing	$1833	$311
DUI	$1855	$310
Reckless driving	$1863	$316
Driving with a suspended license	$1878	$314
Leaving scene of an accident/hit and run	$1939	$330

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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 Happy 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 Happy Valley.

The cheapest car insurance premiums in Happy Valley are offered by Capital Insurance Group at $551 for a six-month policy. However, it can be as expensive as $2964 with companies like Nationwide.

Happy Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$551	$94
Kemper	$679	$113
Progressive	$860	$145
State Farm	$1093	$184
Travelers	$1101	$185
American Family	$1373	$231
USAA	$1494	$251
Country Financial	$1727	$291
Farmers	$2407	$405
Allstate	$2558	$431
Nationwide	$2964	$504

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 Happy Valley are offered by Kemper at $370. However, it can be as expensive as $2935 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Happy Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$62
Capital Insurance Group	$445	$76
Nationwide	$603	$100
State Farm	$649	$109
Country Financial	$950	$160
Progressive	$950	$160
American Family	$973	$164
Travelers	$1124	$189
USAA	$1124	$188
Allstate	$2459	$418
Farmers	$2935	$489

Car Insurance Price Trends in Happy Valley, Oregon

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

The average cost of full coverage in the Happy Valley rose by $244 in December compared to $240 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Happy Valley rose to $90 in December, compared to $88 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 Happy Valley?

The car insurance in Happy Valley is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Happy Valley?

The cheapest car insurance in Happy Valley is $84 per month for full coverage.

How much is car insurance in Happy Valley for teenagers?

Car insurance for teenagers costs $279 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 Happy Valley?

The average cost of car insurance is $860 for a six-month policy. It will cost around $184 per month to insure your car in Happy Valley.

Is car insurance expensive in Happy Valley?

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

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

The best car insurance company in Happy Valley OR is Kemper, offering $490 for a six-month policy.