Cheapest Car Insurance Quotes in Hood River

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Hood River Car Insurance

^$ 38

/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 Hood River

The car insurance rate in Hood River is $826 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $371, making it a popular choice for budget-conscious drivers. Rates in Hood River 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 Hood River

$826

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Hood River

1st place: Kemper

At $371 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 $588 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 $690 for six months, making it the third cheapest auto insurance company in Hood River.

Hood River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hood River, OR is Kemper, offering policies at just $371 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $588.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1517 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hood River drivers find the best deals.

Cheap Car Insurance Companies in Hood River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$371	$63
Capital Insurance Group	$588	$98
American Family	$690	$116
Country Financial	$708	$119
Travelers	$735	$124
Progressive	$758	$128
Encompass	$776	$132
State Farm	$793	$133
Nationwide	$804	$135
USAA	$804	$135
Mutual of Enumclaw	$1067	$181
Farmers	$1129	$190
Allstate	$1517	$255

Key Takeaways

Way's key takeaways about car insurance in Hood River

The auto insurance costs in Hood River fall around $371 for six months.
The cheapest auto insurance company in Hood River is Kemper.
Teen drivers pay the highest rate in Hood River at $899 per month.

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Cheapest Minimum Liability Car Insurance in Hood River

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 Hood River are given below.

Kemper provides the cheapest minimum car insurance coverage in Hood River. Their Average 6 Month Premium is $228. Allstate is the most expensive at $827 for the same period.

Cheapest Liability Coverage in Hood River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$228	$38
Capital Insurance Group	$302	$52
State Farm	$325	$55
USAA	$336	$57
Progressive	$353	$60
Travelers	$353	$60
Country Financial	$359	$60
American Family	$394	$66
California Casualty	$433	$72
Nationwide	$456	$77
Farmers	$611	$103
Allstate	$827	$139

Cheapest Full Coverage Car Insurance in Hood River

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 Hood River is Kemper at $63 per month and $371 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hood River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$371	$63
Capital Insurance Group	$588	$98
American Family	$690	$116
Country Financial	$708	$119
Travelers	$735	$124
Progressive	$758	$128
Encompass	$776	$132
State Farm	$793	$133
Nationwide	$804	$135
USAA	$804	$135
Mutual of Enumclaw	$1067	$181
Farmers	$1129	$190
Allstate	$1517	$255

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Average Car Insurance in Hood River 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 Hood River, OR increasing?

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

Car Insurance Premiums by Age in Hood River

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	$612
30s	USAA	$499
40s	USAA	$463
50s	USAA	$444
60s	USAA	$463
70s	USAA	$563

Cheapest Car Insurance Rates for Teen Drivers in Hood River,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hood River at $36 per month. At $5338 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$211	$36
Capital Insurance Group	$359	$60
Country Financial	$952	$160
Travelers	$1260	$212
USAA	$1334	$225
State Farm	$1420	$239
American Family	$1945	$327
Progressive	$2201	$371
Nationwide	$3724	$634
Farmers	$5297	$892
Allstate	$5338	$899

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 Hood River.

As young drivers face the highest rates in Hood River, USAA offers the cheapest auto insurance rates at $612 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 Hood River, Kemper is the cheapest car insurance provider. At $382 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 Hood River is State Farm, offering rates of around $2914 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$382	$63
Capital Insurance Group	$444	$76
Nationwide	$553	$92
Country Financial	$890	$150
Progressive	$918	$155
American Family	$1090	$183
Travelers	$1187	$200
USAA	$1511	$257
Allstate	$2601	$433
Farmers	$2646	$450
State Farm	$2914	$486

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Car Insurance Rates with An Accident in Hood River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hood River

The cheapest car insurance companies after an at-fault accident in Hood River include Kemper and Capital Insurance Group, offering $302 and $359, respectively. Allstate is an expensive provider with an average six-month premium of $2378.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$302	$50
Capital Insurance Group	$359	$61
Capital	$405	$67
Encompass	$450	$77
State Farm	$599	$101
Travelers	$696	$117
USAA	$713	$120
Country Financial	$781	$132
Progressive	$827	$139
Nationwide	$912	$154
American Family	$970	$163
Farmers	$1887	$318
Allstate	$2378	$400

Hood River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hood River OR. For example, the car insurance in Hood River after a DUI increases to $599 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Hood River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$804	$134
One Med/PIP claim	$804	$136
Not-at-fault accident	$832	$139
One comp claim	$850	$144
Two Med/PIP claims	$861	$143
Failure to wear a seat belt	$918	$156
Two comp claims	$941	$156
Child safety restraint	$952	$162
Failure to show documents	$952	$158
Driving without lights	$958	$163
Driving with expired registration	$981	$163
Speeding 11 - 15 MPH over limit	$1020	$174
Speeding 16 - 20 MPH over limit	$1020	$170
Speeding 6 - 10 MPH over limit	$1020	$174
Cell phone violation	$1026	$171
Driving too slowly	$1026	$175
Failure to yield	$1026	$171
Following too closely	$1026	$175
Illegal turn	$1026	$171
Texting while driving	$1026	$175
Wrong way/wrong lane	$1026	$171
Failure to stop at a red light	$1032	$176
Improper passing	$1032	$172
Passing school bus	$1072	$182
Speeding in school zone	$1072	$179
In 65 MPH zone	$1090	$185
Speeding 21 - 25 MPH over limit	$1094	$182
Open container	$1129	$192
At-fault accident - less than $1000	$1158	$193
Operating a vehicle without permission	$1164	$198
At-fault accident - $1000-$2000	$1232	$205
At-fault accident - greater than $2000	$1232	$209
Refusal to submit to a chemical test	$1380	$230
Racing	$1385	$235
DUI	$1403	$234
Reckless driving	$1408	$239
Driving with a suspended license	$1420	$237
Leaving scene of an accident/hit and run	$1466	$250

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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 Hood River 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 Hood River.

The cheapest car insurance premiums in Hood River are offered by Capital Insurance Group at $417 for a six-month policy. However, it can be as expensive as $2241 with companies like Nationwide.

Hood River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$417	$71
Kemper	$514	$85
Progressive	$650	$109
State Farm	$827	$139
Travelers	$832	$140
American Family	$1038	$175
USAA	$1129	$190
Country Financial	$1306	$220
Farmers	$1819	$306
Allstate	$1933	$325
Nationwide	$2241	$381

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 Hood River are offered by Kemper at $279. However, it can be as expensive as $2219 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hood River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$279	$47
Capital Insurance Group	$336	$58
Nationwide	$456	$76
State Farm	$491	$83
Country Financial	$718	$121
Progressive	$718	$121
American Family	$735	$124
Travelers	$850	$143
USAA	$850	$142
Allstate	$1859	$316
Farmers	$2219	$370

Car Insurance Price Trends in Hood River, Oregon

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

The average cost of full coverage in the Hood River rose by $184 in December compared to $181 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 Hood River rose to $68 in December, compared to $66 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 Hood River?

The car insurance in Hood River is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Hood River?

The cheapest car insurance in Hood River is $63 per month for full coverage.

How much is car insurance in Hood River for teenagers?

Car insurance for teenagers costs $211 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 Hood River?

The average cost of car insurance is $860 for a six-month policy. It will cost around $139 per month to insure your car in Hood River.

Is car insurance expensive in Hood River?

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

What is the best car insurance in Hood River, OR?

The best car insurance company in Hood River OR is Kemper, offering $371 for a six-month policy.