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Cheapest Car Insurance Quotes in Mount Hood Parkdale
Finding the cheapest car insurance quotes in Mount Hood Parkdale 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.
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 Mount Hood Parkdale
The car insurance rate in Mount Hood Parkdale is $994 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Mount Hood Parkdale 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.
Cheapest Car Insurance Companies in Mount Hood Parkdale
1st place: Kemper
At $436 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 $692 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 $765
for six months, making it
the third cheapest auto insurance company in Mount Hood Parkdale.
Mount Hood Parkdale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mount Hood Parkdale, OR is Kemper, offering policies at just $436 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $692.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1893 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Hood Parkdale drivers find the best deals.
Cheap Car Insurance Companies in Mount Hood Parkdale, OR
Way's key takeaways about car insurance in Mount Hood Parkdale
The auto insurance costs in Mount Hood Parkdale fall around $436 for six
months.
The cheapest auto insurance company in Mount Hood Parkdale is Kemper.
Teen drivers pay the highest rate in Mount Hood Parkdale at $1141 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 Mount Hood Parkdale
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 Mount Hood Parkdale are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Mount Hood Parkdale. Their Average 6 Month Premium is $269.
Allstate is the most
expensive at $1000 for the same
period.
Cheapest Liability Coverage in Mount Hood Parkdale, OR
Cheapest Full Coverage Car Insurance in Mount Hood Parkdale
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 Mount Hood Parkdale is Kemper
at $75 per month and $436
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mount Hood Parkdale,
OR
Get Your Car Insurance Quote in Mount Hood Parkdale
Instantly!
Average Car Insurance in Mount Hood Parkdale 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 Mount Hood Parkdale, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mount Hood Parkdale, 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, Mount Hood Parkdale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mount Hood Parkdale
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
$649
30s
USAA
$529
40s
USAA
$490
50s
USAA
$471
60s
USAA
$490
70s
USAA
$597
Cheapest Car Insurance Rates for Teen Drivers in
Mount Hood Parkdale,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Mount Hood Parkdale at $42
per
month. At $6779 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Mount Hood Parkdale.
As young drivers face the highest rates in Mount Hood Parkdale, USAA
offers the cheapest auto insurance rates at $649 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 Mount Hood Parkdale,
Kemper is
the cheapest car insurance provider. At $450 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
Mount Hood Parkdale is State Farm, offering
rates of around $4578 for six
months.
Save up to $971/yr on car insurance rates in Mount Hood Parkdale.
Car Insurance Rates with An Accident in Mount Hood Parkdale
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 Mount Hood Parkdale, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mount Hood Parkdale
The cheapest car insurance companies after an at-fault accident in
Mount Hood Parkdale include Kemper
and Capital Insurance Group, offering $356
and $423,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2993.
Mount Hood Parkdale Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Mount Hood Parkdale OR. For example, the car
insurance in Mount Hood Parkdale
after a DUI increases to $704 for a six
month policy. While the rate increases by $254 for a six-month policy in the case of
a speeding ticket.
Mount Hood Parkdale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$947
$158
One Med/PIP claim
$947
$160
Not-at-fault accident
$980
$164
One comp claim
$1000
$169
Two Med/PIP claims
$1014
$168
Failure to wear a seat belt
$1080
$184
Two comp claims
$1107
$184
Child safety restraint
$1121
$191
Failure to show documents
$1121
$186
Driving without lights
$1128
$192
Driving with expired registration
$1155
$192
Speeding 11 - 15 MPH over limit
$1201
$205
Speeding 16 - 20 MPH over limit
$1201
$200
Speeding 6 - 10 MPH over limit
$1201
$205
Cell phone violation
$1208
$201
Driving too slowly
$1208
$206
Failure to yield
$1208
$201
Following too closely
$1208
$206
Illegal turn
$1208
$201
Texting while driving
$1208
$206
Wrong way/wrong lane
$1208
$201
Failure to stop at a red light
$1215
$207
Improper passing
$1215
$202
Passing school bus
$1262
$215
Speeding in school zone
$1262
$210
In 65 MPH zone
$1283
$218
Speeding 21 - 25 MPH over limit
$1288
$215
Open container
$1329
$226
At-fault accident - less than $1000
$1363
$227
Operating a vehicle without permission
$1370
$233
At-fault accident - $1000-$2000
$1450
$242
At-fault accident - greater than $2000
$1450
$246
Refusal to submit to a chemical test
$1624
$271
Racing
$1631
$277
DUI
$1651
$276
Reckless driving
$1658
$281
Driving with a suspended license
$1671
$279
Leaving scene of an accident/hit and run
$1726
$294
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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 Mount Hood Parkdale 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 Mount Hood Parkdale.
The cheapest car insurance premiums in
Mount Hood Parkdale are
offered by Capital Insurance Group at $490 for a six-month policy.
However, it can be as
expensive as $2637 with companies
like Nationwide.
Mount Hood Parkdale car insurance quotes with a DUI
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 Mount Hood Parkdale are offered by Kemper
at $329. However,
it can be as expensive as $3080
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mount Hood Parkdale after Speeding ticket
Car Insurance Price Trends in Mount Hood Parkdale,
Oregon
Car insurance rates in Mount Hood Parkdale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mount Hood Parkdale rose by
$225 in January
compared to $217 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 Mount Hood Parkdale remained steady at $80 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in Mount Hood Parkdale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mount Hood Parkdale. At $1988 for a
six-month policy, insuring
your car at 97041 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mount Hood Parkdale?
The car insurance in Mount Hood Parkdale is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Mount Hood Parkdale?
The cheapest car insurance in Mount Hood Parkdale
is $75 per month
for full coverage.
How much is car insurance in Mount Hood Parkdale for teenagers?
Car insurance for teenagers costs $249 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
Mount Hood Parkdale?
The average cost of car insurance is $880 for a six-month
policy. It will cost around $167 per month to insure your
car in Mount Hood Parkdale.
Is car insurance expensive in Mount Hood Parkdale?
Car insurance can be expensive in Mount Hood Parkdale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mount Hood Parkdale can be
affordable.
What is the best car insurance in Mount Hood Parkdale,
OR?
The best car insurance company in Mount Hood Parkdale
OR is
Kemper, offering $436 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mount Hood Parkdale, OR
Car Insurance Rates by State in the USA (2025 Update)
Mount Hood Parkdale Car Insurance
