Cheapest Car Insurance Quotes in Mill City

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Mill City Car Insurance

^$ 48

/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 Mill City

The car insurance rate in Mill City is $1056 for a six-month policy, which is $176 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Mill City 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 Mill City

$1056

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Mill City

1st place: Kemper

At $463 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 $734 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 $812 for six months, making it the third cheapest auto insurance company in Mill City.

Mill City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mill City, OR is Kemper, offering policies at just $463 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $734.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mill City drivers find the best deals.

Cheap Car Insurance Companies in Mill City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$79
Capital Insurance Group	$734	$122
American Family	$812	$137
Travelers	$912	$154
Progressive	$934	$157
Encompass	$970	$162
USAA	$998	$168
Nationwide	$1006	$169
State Farm	$1012	$170
Country Financial	$1033	$174
Mutual of Enumclaw	$1333	$227
Farmers	$1525	$257
Allstate	$2010	$338

Key Takeaways

Way's key takeaways about car insurance in Mill City

The auto insurance costs in Mill City fall around $463 for six months.
The cheapest auto insurance company in Mill City is Kemper.
Teen drivers pay the highest rate in Mill City at $1212 per month.

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Cheapest Minimum Liability Car Insurance in Mill City

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 Mill City are given below.

Kemper provides the cheapest minimum car insurance coverage in Mill City. Their Average 6 Month Premium is $286. Allstate is the most expensive at $1062 for the same period.

Cheapest Liability Coverage in Mill City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$286	$48
Capital Insurance Group	$378	$65
State Farm	$407	$68
USAA	$407	$68
American Family	$427	$72
Travelers	$427	$72
Progressive	$434	$73
Country Financial	$506	$85
California Casualty	$541	$90
Nationwide	$570	$96
Farmers	$791	$133
Allstate	$1062	$179

Cheapest Full Coverage Car Insurance in Mill City

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 Mill City is Kemper at $79 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mill City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$79
Capital Insurance Group	$734	$122
American Family	$812	$137
Travelers	$912	$154
Progressive	$934	$157
Encompass	$970	$162
USAA	$998	$168
Nationwide	$1006	$169
State Farm	$1012	$170
Country Financial	$1033	$174
Mutual of Enumclaw	$1333	$227
Farmers	$1525	$257
Allstate	$2010	$338

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Average Car Insurance in Mill City 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 Mill City, OR increasing?

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

Car Insurance Premiums by Age in Mill City

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	$689
30s	USAA	$562
40s	USAA	$521
50s	USAA	$500
60s	USAA	$521
70s	USAA	$634

Cheapest Car Insurance Rates for Teen Drivers in Mill City,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mill City at $44 per month. At $7199 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$264	$44
Capital Insurance Group	$449	$74
Country Financial	$1483	$250
USAA	$1576	$265
Travelers	$1597	$269
State Farm	$1889	$318
American Family	$2330	$392
Progressive	$2437	$410
Nationwide	$4655	$792
Allstate	$7199	$1212
Farmers	$7199	$1212

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 Mill City.

As young drivers face the highest rates in Mill City, USAA offers the cheapest auto insurance rates at $689 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 Mill City, Kemper is the cheapest car insurance provider. At $478 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 Mill City is State Farm, offering rates of around $4861 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$478	$79
Capital Insurance Group	$556	$95
Nationwide	$691	$115
Progressive	$1026	$173
American Family	$1248	$210
Country Financial	$1368	$230
Travelers	$1440	$242
USAA	$1796	$306
Allstate	$3656	$610
Farmers	$3884	$660
State Farm	$4861	$810

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Car Insurance Rates with An Accident in Mill City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mill City

The cheapest car insurance companies after an at-fault accident in Mill City include Kemper and Capital Insurance Group, offering $378 and $449, respectively. Allstate is an expensive provider with an average six-month premium of $3179.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$378	$62
Capital Insurance Group	$449	$77
Capital	$506	$84
Encompass	$563	$96
State Farm	$770	$130
Travelers	$856	$144
USAA	$905	$152
Progressive	$1012	$170
American Family	$1140	$192
Nationwide	$1140	$192
Country Financial	$1198	$202
Farmers	$2616	$440
Allstate	$3179	$535

Mill City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mill City OR. For example, the car insurance in Mill City after a DUI increases to $747 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Mill City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1006	$168
One Med/PIP claim	$1006	$170
Not-at-fault accident	$1040	$174
One comp claim	$1062	$180
Two Med/PIP claims	$1076	$179
Failure to wear a seat belt	$1147	$196
Two comp claims	$1176	$196
Child safety restraint	$1190	$203
Failure to show documents	$1190	$198
Driving without lights	$1198	$204
Driving with expired registration	$1226	$204
Speeding 11 - 15 MPH over limit	$1276	$217
Speeding 16 - 20 MPH over limit	$1276	$212
Speeding 6 - 10 MPH over limit	$1276	$217
Cell phone violation	$1283	$214
Driving too slowly	$1283	$218
Failure to yield	$1283	$214
Following too closely	$1283	$218
Illegal turn	$1283	$214
Texting while driving	$1283	$218
Wrong way/wrong lane	$1283	$214
Failure to stop at a red light	$1290	$220
Improper passing	$1290	$215
Passing school bus	$1340	$228
Speeding in school zone	$1340	$223
In 65 MPH zone	$1362	$232
Speeding 21 - 25 MPH over limit	$1368	$228
Open container	$1411	$240
At-fault accident - less than $1000	$1447	$241
Operating a vehicle without permission	$1454	$247
At-fault accident - $1000-$2000	$1540	$257
At-fault accident - greater than $2000	$1540	$262
Refusal to submit to a chemical test	$1724	$288
Racing	$1732	$294
DUI	$1753	$293
Reckless driving	$1760	$299
Driving with a suspended license	$1775	$296
Leaving scene of an accident/hit and run	$1832	$312

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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 Mill City 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 Mill City.

The cheapest car insurance premiums in Mill City are offered by Capital Insurance Group at $521 for a six-month policy. However, it can be as expensive as $2801 with companies like Nationwide.

Mill City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$521	$89
Kemper	$642	$107
Progressive	$798	$134
Travelers	$1026	$173
State Farm	$1076	$181
American Family	$1205	$203
USAA	$1340	$226
Farmers	$2516	$424
Country Financial	$2558	$431
Allstate	$2587	$436
Nationwide	$2801	$476

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 Mill City are offered by Kemper at $349. However, it can be as expensive as $3271 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mill City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$59
Capital Insurance Group	$420	$72
Nationwide	$570	$95
State Farm	$670	$113
Progressive	$856	$144
American Family	$863	$145
Travelers	$1040	$175
USAA	$1055	$179
Country Financial	$1098	$185
Allstate	$2616	$445
Farmers	$3271	$545

Car Insurance Price Trends in Mill City, Oregon

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

The average cost of full coverage in the Mill City rose by $239 in January compared to $230 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Mill City remained steady at $85 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mill City?

The car insurance in Mill City is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Mill City?

The cheapest car insurance in Mill City is $79 per month for full coverage.

How much is car insurance in Mill City for teenagers?

Car insurance for teenagers costs $264 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 Mill City?

The average cost of car insurance is $880 for a six-month policy. It will cost around $178 per month to insure your car in Mill City.

Is car insurance expensive in Mill City?

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

What is the best car insurance in Mill City, OR?

The best car insurance company in Mill City OR is Kemper, offering $463 for a six-month policy.