Cheapest Car Insurance Quotes in Keizer

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Keizer 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 Keizer

The car insurance rate in Keizer is $937 for a six-month policy, which is $77 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 Keizer 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 Keizer

$937

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Keizer

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 $784 for six months, making it the third cheapest auto insurance company in Keizer.

Keizer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Keizer, 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 $1722 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Keizer drivers find the best deals.

Cheap Car Insurance Companies in Keizer, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$421	$72
Capital Insurance Group	$667	$111
American Family	$784	$132
Country Financial	$803	$135
Travelers	$835	$141
Progressive	$861	$145
Encompass	$881	$149
State Farm	$900	$152
Nationwide	$913	$154
USAA	$913	$154
Mutual of Enumclaw	$1211	$206
Farmers	$1282	$216
Allstate	$1722	$290

Key Takeaways

Way's key takeaways about car insurance in Keizer

The auto insurance costs in Keizer fall around $421 for six months.
The cheapest auto insurance company in Keizer is Kemper.
Teen drivers pay the highest rate in Keizer at $1020 per month.

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Cheapest Minimum Liability Car Insurance in Keizer

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 Keizer are given below.

Kemper provides the cheapest minimum car insurance coverage in Keizer. Their Average 6 Month Premium is $259. Allstate is the most expensive at $938 for the same period.

Cheapest Liability Coverage in Keizer, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$259	$44
Capital Insurance Group	$343	$59
State Farm	$370	$62
USAA	$382	$64
Progressive	$401	$68
Travelers	$401	$68
Country Financial	$408	$69
American Family	$447	$75
California Casualty	$492	$82
Nationwide	$518	$87
Farmers	$693	$117
Allstate	$938	$158

Cheapest Full Coverage Car Insurance in Keizer

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

Cheapest Full Coverage Car Insurance Quotes in Keizer, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$421	$72
Capital Insurance Group	$667	$111
American Family	$784	$132
Country Financial	$803	$135
Travelers	$835	$141
Progressive	$861	$145
Encompass	$881	$149
State Farm	$900	$152
Nationwide	$913	$154
USAA	$913	$154
Mutual of Enumclaw	$1211	$206
Farmers	$1282	$216
Allstate	$1722	$290

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Average Car Insurance in Keizer 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 Keizer, OR increasing?

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

Car Insurance Premiums by Age in Keizer

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	$695
30s	USAA	$567
40s	USAA	$525
50s	USAA	$505
60s	USAA	$525
70s	USAA	$639

Cheapest Car Insurance Rates for Teen Drivers in Keizer,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Keizer at $40 per month. At $6060 for a six-month premium, Allstate 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	$1081	$182
Travelers	$1431	$241
USAA	$1515	$255
State Farm	$1612	$271
American Family	$2208	$372
Progressive	$2499	$421
Nationwide	$4228	$719
Farmers	$6015	$1013
Allstate	$6060	$1020

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 Keizer.

As young drivers face the highest rates in Keizer, USAA offers the cheapest auto insurance rates at $695 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 Keizer, 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 Keizer is State Farm, offering rates of around $3308 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$434	$72
Capital Insurance Group	$505	$86
Nationwide	$628	$105
Country Financial	$1010	$170
Progressive	$1042	$175
American Family	$1237	$208
Travelers	$1347	$227
USAA	$1716	$292
Allstate	$2953	$492
Farmers	$3004	$511
State Farm	$3308	$552

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Car Insurance Rates with An Accident in Keizer

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

Cheapest Car Insurance Companies after an At-Fault Accident in Keizer

The cheapest car insurance companies after an at-fault accident in Keizer include Kemper and Capital Insurance Group, offering $343 and $408, respectively. Allstate is an expensive provider with an average six-month premium of $2700.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$57
Capital Insurance Group	$408	$70
Capital	$460	$76
Encompass	$511	$87
State Farm	$680	$114
Travelers	$790	$133
USAA	$810	$136
Country Financial	$887	$149
Progressive	$938	$158
Nationwide	$1036	$174
American Family	$1101	$185
Farmers	$2143	$361
Allstate	$2700	$455

Keizer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Keizer OR. For example, the car insurance in Keizer 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.

Keizer 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

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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 Keizer 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 Keizer.

The cheapest car insurance premiums in Keizer 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.

Keizer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$473	$81
Kemper	$583	$97
Progressive	$738	$124
State Farm	$938	$158
Travelers	$945	$159
American Family	$1178	$198
USAA	$1282	$216
Country Financial	$1482	$250
Farmers	$2066	$348
Allstate	$2195	$370
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 Keizer are offered by Kemper at $317. However, it can be as expensive as $2519 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Keizer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$317	$53
Capital Insurance Group	$382	$65
Nationwide	$518	$86
State Farm	$557	$94
Country Financial	$815	$137
Progressive	$815	$137
American Family	$835	$141
Travelers	$965	$162
USAA	$965	$161
Allstate	$2110	$359
Farmers	$2519	$420

Car Insurance Price Trends in Keizer, Oregon

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

The average cost of full coverage in the Keizer rose by $209 in December compared to $206 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 Keizer rose to $77 in December, compared to $75 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 Keizer?

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

What is the cheapest car insurance in Keizer?

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

How much is car insurance in Keizer 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 Keizer?

The average cost of car insurance is $860 for a six-month policy. It will cost around $158 per month to insure your car in Keizer.

Is car insurance expensive in Keizer?

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

What is the best car insurance in Keizer, OR?

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