Cheapest Car Insurance Quotes in Mehama

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Mehama Car Insurance

^$ 45

/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 Mehama

The car insurance rate in Mehama is $963 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Mehama 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 Mehama

$963

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Mehama

1st place: Kemper

At $432 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 $685 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 $805 for six months, making it the third cheapest auto insurance company in Mehama.

Mehama Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mehama, OR is Kemper, offering policies at just $432 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $685.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1770 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mehama drivers find the best deals.

Cheap Car Insurance Companies in Mehama, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$432	$74
Capital Insurance Group	$685	$114
American Family	$805	$136
Country Financial	$825	$139
Travelers	$858	$144
Progressive	$885	$149
Encompass	$905	$153
State Farm	$925	$156
Nationwide	$939	$158
USAA	$939	$158
Mutual of Enumclaw	$1244	$212
Farmers	$1317	$222
Allstate	$1770	$298

Key Takeaways

Way's key takeaways about car insurance in Mehama

The auto insurance costs in Mehama fall around $432 for six months.
The cheapest auto insurance company in Mehama is Kemper.
Teen drivers pay the highest rate in Mehama at $1048 per month.

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Cheapest Minimum Liability Car Insurance in Mehama

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 Mehama are given below.

Kemper provides the cheapest minimum car insurance coverage in Mehama. Their Average 6 Month Premium is $267. Allstate is the most expensive at $964 for the same period.

Cheapest Liability Coverage in Mehama, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$267	$45
Capital Insurance Group	$353	$60
State Farm	$380	$64
USAA	$392	$66
Progressive	$412	$69
Travelers	$412	$69
Country Financial	$419	$71
American Family	$459	$77
California Casualty	$505	$84
Nationwide	$532	$90
Farmers	$712	$120
Allstate	$964	$162

Cheapest Full Coverage Car Insurance in Mehama

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 Mehama is Kemper at $74 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mehama, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$432	$74
Capital Insurance Group	$685	$114
American Family	$805	$136
Country Financial	$825	$139
Travelers	$858	$144
Progressive	$885	$149
Encompass	$905	$153
State Farm	$925	$156
Nationwide	$939	$158
USAA	$939	$158
Mutual of Enumclaw	$1244	$212
Farmers	$1317	$222
Allstate	$1770	$298

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Average Car Insurance in Mehama 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 Mehama, OR increasing?

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

Car Insurance Premiums by Age in Mehama

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	$715
30s	USAA	$582
40s	USAA	$540
50s	USAA	$519
60s	USAA	$540
70s	USAA	$656

Cheapest Car Insurance Rates for Teen Drivers in Mehama,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mehama at $41 per month. At $6227 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$246	$41
Capital Insurance Group	$419	$69
Country Financial	$1111	$187
Travelers	$1471	$248
USAA	$1557	$262
State Farm	$1656	$279
American Family	$2269	$382
Progressive	$2568	$432
Nationwide	$4344	$739
Farmers	$6180	$1040
Allstate	$6227	$1048

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 Mehama.

As young drivers face the highest rates in Mehama, USAA offers the cheapest auto insurance rates at $715 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 Mehama, Kemper is the cheapest car insurance provider. At $446 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 Mehama is State Farm, offering rates of around $3399 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$446	$74
Capital Insurance Group	$519	$88
Nationwide	$645	$108
Country Financial	$1038	$175
Progressive	$1071	$180
American Family	$1271	$214
Travelers	$1384	$233
USAA	$1763	$300
Allstate	$3034	$505
Farmers	$3087	$525
State Farm	$3399	$567

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Car Insurance Rates with An Accident in Mehama

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

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

The cheapest car insurance companies after an at-fault accident in Mehama include Kemper and Capital Insurance Group, offering $353 and $419, respectively. Allstate is an expensive provider with an average six-month premium of $2774.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$58
Capital Insurance Group	$419	$72
Capital	$473	$78
Encompass	$525	$90
State Farm	$699	$118
Travelers	$812	$137
USAA	$832	$140
Country Financial	$912	$153
Progressive	$964	$162
Nationwide	$1064	$179
American Family	$1131	$190
Farmers	$2202	$371
Allstate	$2774	$467

Mehama Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mehama OR. For example, the car insurance in Mehama after a DUI increases to $697 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Mehama auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$939	$157
One Med/PIP claim	$939	$159
Not-at-fault accident	$971	$162
One comp claim	$991	$168
Two Med/PIP claims	$1005	$167
Failure to wear a seat belt	$1071	$183
Two comp claims	$1098	$183
Child safety restraint	$1111	$189
Failure to show documents	$1111	$185
Driving without lights	$1118	$190
Driving with expired registration	$1145	$190
Speeding 11 - 15 MPH over limit	$1191	$203
Speeding 16 - 20 MPH over limit	$1191	$198
Speeding 6 - 10 MPH over limit	$1191	$203
Cell phone violation	$1197	$199
Driving too slowly	$1197	$204
Failure to yield	$1197	$199
Following too closely	$1197	$204
Illegal turn	$1197	$199
Texting while driving	$1197	$204
Wrong way/wrong lane	$1197	$199
Failure to stop at a red light	$1204	$205
Improper passing	$1204	$200
Passing school bus	$1251	$213
Speeding in school zone	$1251	$208
In 65 MPH zone	$1271	$216
Speeding 21 - 25 MPH over limit	$1277	$213
Open container	$1317	$224
At-fault accident - less than $1000	$1351	$225
Operating a vehicle without permission	$1357	$231
At-fault accident - $1000-$2000	$1437	$240
At-fault accident - greater than $2000	$1437	$244
Refusal to submit to a chemical test	$1609	$269
Racing	$1616	$274
DUI	$1636	$273
Reckless driving	$1643	$279
Driving with a suspended license	$1656	$277
Leaving scene of an accident/hit and run	$1710	$291

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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 Mehama 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 Mehama.

The cheapest car insurance premiums in Mehama are offered by Capital Insurance Group at $486 for a six-month policy. However, it can be as expensive as $2614 with companies like Nationwide.

Mehama car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$486	$83
Kemper	$599	$100
Progressive	$758	$128
State Farm	$964	$162
Travelers	$971	$164
American Family	$1211	$204
USAA	$1317	$222
Country Financial	$1523	$256
Farmers	$2122	$357
Allstate	$2256	$380
Nationwide	$2614	$445

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 Mehama are offered by Kemper at $326. However, it can be as expensive as $2588 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mehama after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$326	$55
Capital Insurance Group	$392	$67
Nationwide	$532	$88
State Farm	$572	$96
Country Financial	$838	$141
Progressive	$838	$141
American Family	$858	$144
Travelers	$991	$167
USAA	$991	$166
Allstate	$2168	$368
Farmers	$2588	$431

Car Insurance Price Trends in Mehama, Oregon

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

The average cost of full coverage in the Mehama rose by $215 in December compared to $212 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 Mehama rose to $80 in December, compared to $77 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mehama?

The car insurance in Mehama is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Mehama?

The cheapest car insurance in Mehama is $74 per month for full coverage.

How much is car insurance in Mehama for teenagers?

Car insurance for teenagers costs $246 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 Mehama?

The average cost of car insurance is $860 for a six-month policy. It will cost around $162 per month to insure your car in Mehama.

Is car insurance expensive in Mehama?

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

What is the best car insurance in Mehama, OR?

The best car insurance company in Mehama OR is Kemper, offering $432 for a six-month policy.