Cheapest Car Insurance Quotes in Jeffers Gardens

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Jeffers Gardens Car Insurance

^$ 39

/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 Jeffers Gardens

The car insurance rate in Jeffers Gardens is $843 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Jeffers Gardens 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 Jeffers Gardens

$843

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Jeffers Gardens

1st place: Kemper

At $378 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 $600 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 $705 for six months, making it the third cheapest auto insurance company in Jeffers Gardens.

Jeffers Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jeffers Gardens, OR is Kemper, offering policies at just $378 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $600.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1548 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jeffers Gardens drivers find the best deals.

Cheap Car Insurance Companies in Jeffers Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$378	$65
Capital Insurance Group	$600	$100
American Family	$705	$119
Country Financial	$722	$122
Travelers	$751	$126
Progressive	$774	$130
Encompass	$792	$134
State Farm	$809	$136
Nationwide	$821	$138
USAA	$821	$138
Mutual of Enumclaw	$1089	$185
Farmers	$1152	$194
Allstate	$1548	$261

Key Takeaways

Way's key takeaways about car insurance in Jeffers Gardens

The auto insurance costs in Jeffers Gardens fall around $378 for six months.
The cheapest auto insurance company in Jeffers Gardens is Kemper.
Teen drivers pay the highest rate in Jeffers Gardens at $917 per month.

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Cheapest Minimum Liability Car Insurance in Jeffers Gardens

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 Jeffers Gardens are given below.

Kemper provides the cheapest minimum car insurance coverage in Jeffers Gardens. Their Average 6 Month Premium is $233. Allstate is the most expensive at $844 for the same period.

Cheapest Liability Coverage in Jeffers Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$233	$39
Capital Insurance Group	$309	$53
State Farm	$332	$56
USAA	$343	$58
Progressive	$361	$61
Travelers	$361	$61
Country Financial	$367	$62
American Family	$402	$68
California Casualty	$442	$74
Nationwide	$466	$78
Farmers	$623	$105
Allstate	$844	$142

Cheapest Full Coverage Car Insurance in Jeffers Gardens

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 Jeffers Gardens is Kemper at $65 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jeffers Gardens, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$378	$65
Capital Insurance Group	$600	$100
American Family	$705	$119
Country Financial	$722	$122
Travelers	$751	$126
Progressive	$774	$130
Encompass	$792	$134
State Farm	$809	$136
Nationwide	$821	$138
USAA	$821	$138
Mutual of Enumclaw	$1089	$185
Farmers	$1152	$194
Allstate	$1548	$261

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Average Car Insurance in Jeffers Gardens 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 Jeffers Gardens, OR increasing?

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

Car Insurance Premiums by Age in Jeffers Gardens

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	$625
30s	USAA	$510
40s	USAA	$472
50s	USAA	$454
60s	USAA	$472
70s	USAA	$574

Cheapest Car Insurance Rates for Teen Drivers in Jeffers Gardens,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Jeffers Gardens at $36 per month. At $5449 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$216	$36
Capital Insurance Group	$367	$61
Country Financial	$972	$164
Travelers	$1287	$217
USAA	$1362	$229
State Farm	$1449	$244
American Family	$1985	$334
Progressive	$2247	$378
Nationwide	$3801	$647
Farmers	$5408	$910
Allstate	$5449	$917

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 Jeffers Gardens.

As young drivers face the highest rates in Jeffers Gardens, USAA offers the cheapest auto insurance rates at $625 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 Jeffers Gardens, Kemper is the cheapest car insurance provider. At $390 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 Jeffers Gardens is State Farm, offering rates of around $2974 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$390	$65
Capital Insurance Group	$454	$77
Nationwide	$564	$94
Country Financial	$908	$153
Progressive	$937	$158
American Family	$1112	$187
Travelers	$1211	$204
USAA	$1543	$263
Allstate	$2655	$442
Farmers	$2701	$460
State Farm	$2974	$496

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Car Insurance Rates with An Accident in Jeffers Gardens

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 Jeffers Gardens, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jeffers Gardens

The cheapest car insurance companies after an at-fault accident in Jeffers Gardens include Kemper and Capital Insurance Group, offering $309 and $367, respectively. Allstate is an expensive provider with an average six-month premium of $2427.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$309	$51
Capital Insurance Group	$367	$63
Capital	$414	$69
Encompass	$460	$78
State Farm	$612	$103
Travelers	$711	$120
USAA	$728	$123
Country Financial	$798	$134
Progressive	$844	$142
Nationwide	$931	$157
American Family	$990	$167
Farmers	$1927	$324
Allstate	$2427	$409

Jeffers Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jeffers Gardens OR. For example, the car insurance in Jeffers Gardens after a DUI increases to $611 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Jeffers Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$821	$137
One Med/PIP claim	$821	$139
Not-at-fault accident	$850	$142
One comp claim	$867	$147
Two Med/PIP claims	$879	$146
Failure to wear a seat belt	$937	$160
Two comp claims	$960	$160
Child safety restraint	$972	$166
Failure to show documents	$972	$162
Driving without lights	$978	$167
Driving with expired registration	$1002	$167
Speeding 11 - 15 MPH over limit	$1042	$177
Speeding 16 - 20 MPH over limit	$1042	$173
Speeding 6 - 10 MPH over limit	$1042	$177
Cell phone violation	$1048	$174
Driving too slowly	$1048	$178
Failure to yield	$1048	$174
Following too closely	$1048	$178
Illegal turn	$1048	$174
Texting while driving	$1048	$178
Wrong way/wrong lane	$1048	$174
Failure to stop at a red light	$1054	$179
Improper passing	$1054	$175
Passing school bus	$1095	$186
Speeding in school zone	$1095	$182
In 65 MPH zone	$1112	$189
Speeding 21 - 25 MPH over limit	$1117	$186
Open container	$1152	$196
At-fault accident - less than $1000	$1182	$197
Operating a vehicle without permission	$1188	$202
At-fault accident - $1000-$2000	$1257	$210
At-fault accident - greater than $2000	$1257	$214
Refusal to submit to a chemical test	$1408	$235
Racing	$1414	$240
DUI	$1432	$239
Reckless driving	$1438	$244
Driving with a suspended license	$1449	$242
Leaving scene of an accident/hit and run	$1496	$255

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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 Jeffers Gardens 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 Jeffers Gardens.

The cheapest car insurance premiums in Jeffers Gardens are offered by Capital Insurance Group at $425 for a six-month policy. However, it can be as expensive as $2287 with companies like Nationwide.

Jeffers Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$425	$73
Kemper	$524	$87
Progressive	$663	$112
State Farm	$844	$142
Travelers	$850	$143
American Family	$1059	$178
USAA	$1152	$194
Country Financial	$1333	$224
Farmers	$1857	$313
Allstate	$1974	$332
Nationwide	$2287	$389

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 Jeffers Gardens are offered by Kemper at $285. However, it can be as expensive as $2265 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jeffers Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$285	$48
Capital Insurance Group	$343	$59
Nationwide	$466	$77
State Farm	$501	$84
Country Financial	$733	$123
Progressive	$733	$123
American Family	$751	$126
Travelers	$867	$146
USAA	$867	$145
Allstate	$1897	$322
Farmers	$2265	$377

Car Insurance Price Trends in Jeffers Gardens, Oregon

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

The average cost of full coverage in the Jeffers Gardens rose by $188 in December compared to $185 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 Jeffers Gardens rose to $70 in December, compared to $68 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 Jeffers Gardens?

The car insurance in Jeffers Gardens is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Jeffers Gardens?

The cheapest car insurance in Jeffers Gardens is $65 per month for full coverage.

How much is car insurance in Jeffers Gardens for teenagers?

Car insurance for teenagers costs $216 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 Jeffers Gardens?

The average cost of car insurance is $860 for a six-month policy. It will cost around $142 per month to insure your car in Jeffers Gardens.

Is car insurance expensive in Jeffers Gardens?

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

What is the best car insurance in Jeffers Gardens, OR?

The best car insurance company in Jeffers Gardens OR is Kemper, offering $378 for a six-month policy.