Cheapest Car Insurance Quotes in Molalla

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Molalla 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 Molalla

The car insurance rate in Molalla is $1023 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Molalla 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 Molalla

$1023

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Molalla

1st place: Kemper

At $459 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 $728 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 $856 for six months, making it the third cheapest auto insurance company in Molalla.

Molalla Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Molalla, OR is Kemper, offering policies at just $459 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $728.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1880 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Molalla drivers find the best deals.

Cheap Car Insurance Companies in Molalla, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$79
Capital Insurance Group	$728	$121
American Family	$856	$144
Country Financial	$877	$148
Travelers	$912	$154
Progressive	$940	$158
Encompass	$962	$163
State Farm	$983	$165
Nationwide	$997	$168
USAA	$997	$168
Mutual of Enumclaw	$1322	$225
Farmers	$1399	$236
Allstate	$1880	$317

Key Takeaways

Way's key takeaways about car insurance in Molalla

The auto insurance costs in Molalla fall around $459 for six months.
The cheapest auto insurance company in Molalla is Kemper.
Teen drivers pay the highest rate in Molalla at $1114 per month.

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Cheapest Minimum Liability Car Insurance in Molalla

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 Molalla are given below.

Kemper provides the cheapest minimum car insurance coverage in Molalla. Their Average 6 Month Premium is $283. Allstate is the most expensive at $1025 for the same period.

Cheapest Liability Coverage in Molalla, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$283	$48
Capital Insurance Group	$375	$64
State Farm	$403	$68
USAA	$417	$70
Progressive	$438	$74
Travelers	$438	$74
Country Financial	$445	$75
American Family	$488	$82
California Casualty	$537	$89
Nationwide	$565	$95
Farmers	$757	$127
Allstate	$1025	$173

Cheapest Full Coverage Car Insurance in Molalla

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 Molalla is Kemper at $79 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Molalla, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$79
Capital Insurance Group	$728	$121
American Family	$856	$144
Country Financial	$877	$148
Travelers	$912	$154
Progressive	$940	$158
Encompass	$962	$163
State Farm	$983	$165
Nationwide	$997	$168
USAA	$997	$168
Mutual of Enumclaw	$1322	$225
Farmers	$1399	$236
Allstate	$1880	$317

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Average Car Insurance in Molalla 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 Molalla, OR increasing?

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

Car Insurance Premiums by Age in Molalla

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	$759
30s	USAA	$619
40s	USAA	$574
50s	USAA	$551
60s	USAA	$574
70s	USAA	$697

Cheapest Car Insurance Rates for Teen Drivers in Molalla,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Molalla at $44 per month. At $6616 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$262	$44
Capital Insurance Group	$445	$74
Country Financial	$1180	$199
Travelers	$1562	$263
USAA	$1654	$278
State Farm	$1760	$296
American Family	$2411	$406
Progressive	$2729	$459
Nationwide	$4616	$785
Farmers	$6566	$1106
Allstate	$6616	$1114

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 Molalla.

As young drivers face the highest rates in Molalla, USAA offers the cheapest auto insurance rates at $759 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 Molalla, Kemper is the cheapest car insurance provider. At $474 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 Molalla is State Farm, offering rates of around $3612 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$474	$79
Capital Insurance Group	$551	$94
Nationwide	$685	$114
Country Financial	$1103	$186
Progressive	$1138	$192
American Family	$1351	$227
Travelers	$1471	$248
USAA	$1873	$319
Allstate	$3224	$537
Farmers	$3280	$558
State Farm	$3612	$602

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Car Insurance Rates with An Accident in Molalla

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

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

The cheapest car insurance companies after an at-fault accident in Molalla include Kemper and Capital Insurance Group, offering $375 and $445, respectively. Allstate is an expensive provider with an average six-month premium of $2948.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$62
Capital Insurance Group	$445	$76
Capital	$502	$83
Encompass	$558	$95
State Farm	$743	$125
Travelers	$863	$145
USAA	$884	$149
Country Financial	$969	$163
Progressive	$1025	$173
Nationwide	$1131	$190
American Family	$1202	$202
Farmers	$2340	$394
Allstate	$2948	$496

Molalla Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Molalla OR. For example, the car insurance in Molalla after a DUI increases to $742 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Molalla auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$997	$167
One Med/PIP claim	$997	$169
Not-at-fault accident	$1032	$173
One comp claim	$1053	$179
Two Med/PIP claims	$1067	$177
Failure to wear a seat belt	$1138	$194
Two comp claims	$1166	$194
Child safety restraint	$1180	$201
Failure to show documents	$1180	$196
Driving without lights	$1188	$202
Driving with expired registration	$1216	$202
Speeding 11 - 15 MPH over limit	$1265	$215
Speeding 16 - 20 MPH over limit	$1265	$211
Speeding 6 - 10 MPH over limit	$1265	$215
Cell phone violation	$1272	$212
Driving too slowly	$1272	$217
Failure to yield	$1272	$212
Following too closely	$1272	$217
Illegal turn	$1272	$212
Texting while driving	$1272	$217
Wrong way/wrong lane	$1272	$212
Failure to stop at a red light	$1279	$218
Improper passing	$1279	$213
Passing school bus	$1329	$226
Speeding in school zone	$1329	$221
In 65 MPH zone	$1351	$230
Speeding 21 - 25 MPH over limit	$1357	$226
Open container	$1399	$238
At-fault accident - less than $1000	$1435	$239
Operating a vehicle without permission	$1442	$245
At-fault accident - $1000-$2000	$1527	$255
At-fault accident - greater than $2000	$1527	$259
Refusal to submit to a chemical test	$1710	$286
Racing	$1717	$292
DUI	$1739	$290
Reckless driving	$1746	$296
Driving with a suspended license	$1760	$294
Leaving scene of an accident/hit and run	$1817	$309

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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 Molalla 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 Molalla.

The cheapest car insurance premiums in Molalla are offered by Capital Insurance Group at $516 for a six-month policy. However, it can be as expensive as $2777 with companies like Nationwide.

Molalla car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$516	$88
Kemper	$637	$106
Progressive	$806	$136
State Farm	$1025	$173
Travelers	$1032	$174
American Family	$1286	$217
USAA	$1399	$236
Country Financial	$1618	$273
Farmers	$2255	$380
Allstate	$2397	$403
Nationwide	$2777	$472

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 Molalla are offered by Kemper at $346. However, it can be as expensive as $2750 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Molalla after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$346	$58
Capital Insurance Group	$417	$71
Nationwide	$565	$94
State Farm	$608	$102
Country Financial	$890	$150
Progressive	$890	$150
American Family	$912	$154
Travelers	$1053	$177
USAA	$1053	$176
Allstate	$2304	$392
Farmers	$2750	$458

Car Insurance Price Trends in Molalla, Oregon

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

The average cost of full coverage in the Molalla rose by $228 in December compared to $225 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 Molalla rose to $84 in December, compared to $82 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 Molalla?

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

What is the cheapest car insurance in Molalla?

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

How much is car insurance in Molalla for teenagers?

Car insurance for teenagers costs $262 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 Molalla?

The average cost of car insurance is $860 for a six-month policy. It will cost around $173 per month to insure your car in Molalla.

Is car insurance expensive in Molalla?

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

What is the best car insurance in Molalla, OR?

The best car insurance company in Molalla OR is Kemper, offering $459 for a six-month policy.