Cheapest Car Insurance Quotes in Medford

Finding the cheapest car insurance quotes in Medford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Medford Car Insurance

^$ 43

/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 Medford

The car insurance rate in Medford is $942 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $413, making it a popular choice for budget-conscious drivers. Rates in Medford 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 Medford

$942

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Medford

1st place: Kemper

At $413 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 $655 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 $724 for six months, making it the third cheapest auto insurance company in Medford.

Medford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Medford, OR is Kemper, offering policies at just $413 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $655.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1792 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Medford drivers find the best deals.

Cheap Car Insurance Companies in Medford, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$413	$71
Capital Insurance Group	$655	$109
American Family	$724	$122
Travelers	$813	$137
Progressive	$832	$140
Encompass	$865	$144
USAA	$890	$150
Nationwide	$897	$151
State Farm	$902	$152
Country Financial	$921	$155
Mutual of Enumclaw	$1189	$202
Farmers	$1360	$229
Allstate	$1792	$302

Key Takeaways

Way's key takeaways about car insurance in Medford

The auto insurance costs in Medford fall around $413 for six months.
The cheapest auto insurance company in Medford is Kemper.
Teen drivers pay the highest rate in Medford at $1081 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Medford

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 Medford are given below.

Kemper provides the cheapest minimum car insurance coverage in Medford. Their Average 6 Month Premium is $255. Allstate is the most expensive at $947 for the same period.

Cheapest Liability Coverage in Medford, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$255	$43
Capital Insurance Group	$337	$58
State Farm	$363	$61
USAA	$363	$61
American Family	$381	$64
Travelers	$381	$64
Progressive	$387	$65
Country Financial	$452	$76
California Casualty	$483	$80
Nationwide	$508	$86
Farmers	$705	$119
Allstate	$947	$159

Cheapest Full Coverage Car Insurance in Medford

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 Medford is Kemper at $71 per month and $413 for six months.

Cheapest Full Coverage Car Insurance Quotes in Medford, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$413	$71
Capital Insurance Group	$655	$109
American Family	$724	$122
Travelers	$813	$137
Progressive	$832	$140
Encompass	$865	$144
USAA	$890	$150
Nationwide	$897	$151
State Farm	$902	$152
Country Financial	$921	$155
Mutual of Enumclaw	$1189	$202
Farmers	$1360	$229
Allstate	$1792	$302

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Medford Instantly!

Average Car Insurance in Medford 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 Medford, OR increasing?

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

Car Insurance Premiums by Age in Medford

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	$614
30s	USAA	$501
40s	USAA	$464
50s	USAA	$446
60s	USAA	$464
70s	USAA	$565

Cheapest Car Insurance Rates for Teen Drivers in Medford,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Medford at $40 per month. At $6419 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$235	$40
Capital Insurance Group	$400	$66
Country Financial	$1323	$223
USAA	$1405	$236
Travelers	$1424	$240
State Farm	$1684	$284
American Family	$2078	$350
Progressive	$2173	$366
Nationwide	$4151	$706
Allstate	$6419	$1081
Farmers	$6419	$1081

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 Medford.

As young drivers face the highest rates in Medford, USAA offers the cheapest auto insurance rates at $614 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 Medford, Kemper is the cheapest car insurance provider. At $426 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 Medford is State Farm, offering rates of around $4335 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
Capital Insurance Group	$495	$85
Nationwide	$616	$103
Progressive	$915	$154
American Family	$1113	$187
Country Financial	$1220	$205
Travelers	$1284	$216
USAA	$1602	$273
Allstate	$3260	$544
Farmers	$3464	$589
State Farm	$4335	$722

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Medford.

Car Insurance Rates with An Accident in Medford

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

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

The cheapest car insurance companies after an at-fault accident in Medford include Kemper and Capital Insurance Group, offering $337 and $400, respectively. Allstate is an expensive provider with an average six-month premium of $2834.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$56
Capital Insurance Group	$400	$68
Capital	$452	$75
Encompass	$502	$86
State Farm	$687	$116
Travelers	$763	$128
USAA	$807	$136
Progressive	$902	$152
American Family	$1017	$171
Nationwide	$1017	$171
Country Financial	$1068	$180
Farmers	$2333	$393
Allstate	$2834	$477

Medford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Medford OR. For example, the car insurance in Medford after a DUI increases to $666 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Medford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$897	$150
One Med/PIP claim	$897	$152
Not-at-fault accident	$928	$155
One comp claim	$947	$161
Two Med/PIP claims	$960	$159
Failure to wear a seat belt	$1023	$174
Two comp claims	$1049	$174
Child safety restraint	$1061	$181
Failure to show documents	$1061	$177
Driving without lights	$1068	$182
Driving with expired registration	$1094	$182
Speeding 11 - 15 MPH over limit	$1137	$194
Speeding 16 - 20 MPH over limit	$1137	$189
Speeding 6 - 10 MPH over limit	$1137	$194
Cell phone violation	$1144	$190
Driving too slowly	$1144	$195
Failure to yield	$1144	$190
Following too closely	$1144	$195
Illegal turn	$1144	$190
Texting while driving	$1144	$195
Wrong way/wrong lane	$1144	$190
Failure to stop at a red light	$1150	$196
Improper passing	$1150	$192
Passing school bus	$1195	$203
Speeding in school zone	$1195	$199
In 65 MPH zone	$1214	$207
Speeding 21 - 25 MPH over limit	$1220	$203
Open container	$1258	$214
At-fault accident - less than $1000	$1290	$215
Operating a vehicle without permission	$1297	$220
At-fault accident - $1000-$2000	$1373	$229
At-fault accident - greater than $2000	$1373	$233
Refusal to submit to a chemical test	$1538	$257
Racing	$1544	$262
DUI	$1563	$261
Reckless driving	$1570	$266
Driving with a suspended license	$1583	$264
Leaving scene of an accident/hit and run	$1634	$278

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Medford 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 Medford.

The cheapest car insurance premiums in Medford are offered by Capital Insurance Group at $464 for a six-month policy. However, it can be as expensive as $2497 with companies like Nationwide.

Medford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$464	$79
Kemper	$572	$95
Progressive	$712	$120
Travelers	$915	$154
State Farm	$960	$162
American Family	$1074	$181
USAA	$1195	$201
Farmers	$2244	$378
Country Financial	$2281	$384
Allstate	$2307	$388
Nationwide	$2497	$425

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 Medford are offered by Kemper at $311. However, it can be as expensive as $2917 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Medford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$311	$52
Capital Insurance Group	$375	$64
Nationwide	$508	$85
State Farm	$597	$101
Progressive	$763	$128
American Family	$769	$129
Travelers	$928	$156
USAA	$941	$159
Country Financial	$979	$165
Allstate	$2333	$397
Farmers	$2917	$486

Car Insurance Price Trends in Medford, Oregon

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

The average cost of full coverage in the Medford rose by $213 in January compared to $205 of December. In other words, there has been an increase by $8 when you compare January and December.

The average cost of liability insurance in the Medford remained steady at $76 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Medford?

The car insurance in Medford is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Medford?

The cheapest car insurance in Medford is $71 per month for full coverage.

How much is car insurance in Medford for teenagers?

Car insurance for teenagers costs $235 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 Medford?

The average cost of car insurance is $880 for a six-month policy. It will cost around $158 per month to insure your car in Medford.

Is car insurance expensive in Medford?

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

What is the best car insurance in Medford, OR?

The best car insurance company in Medford OR is Kemper, offering $413 for a six-month policy.