Cheapest Car Insurance Quotes in North Plains

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North Plains Car Insurance

^$ 46

/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 North Plains

The car insurance rate in North Plains is $980 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in North Plains 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 North Plains

$980

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in North Plains

1st place: Kemper

At $440 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 $698 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 $820 for six months, making it the third cheapest auto insurance company in North Plains.

North Plains Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Plains, OR is Kemper, offering policies at just $440 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $698.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1801 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Plains drivers find the best deals.

Cheap Car Insurance Companies in North Plains, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$440	$75
Capital Insurance Group	$698	$116
American Family	$820	$138
Country Financial	$840	$141
Travelers	$873	$147
Progressive	$901	$152
Encompass	$921	$156
State Farm	$942	$158
Nationwide	$955	$161
USAA	$955	$161
Mutual of Enumclaw	$1267	$215
Farmers	$1341	$226
Allstate	$1801	$303

Key Takeaways

Way's key takeaways about car insurance in North Plains

The auto insurance costs in North Plains fall around $440 for six months.
The cheapest auto insurance company in North Plains is Kemper.
Teen drivers pay the highest rate in North Plains at $1067 per month.

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Cheapest Minimum Liability Car Insurance in North Plains

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 North Plains are given below.

Kemper provides the cheapest minimum car insurance coverage in North Plains. Their Average 6 Month Premium is $271. Allstate is the most expensive at $982 for the same period.

Cheapest Liability Coverage in North Plains, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$271	$46
Capital Insurance Group	$359	$62
State Farm	$386	$65
USAA	$399	$67
Progressive	$420	$71
Travelers	$420	$71
Country Financial	$426	$72
American Family	$467	$79
California Casualty	$514	$85
Nationwide	$542	$91
Farmers	$725	$122
Allstate	$982	$165

Cheapest Full Coverage Car Insurance in North Plains

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 North Plains is Kemper at $75 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Plains, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$440	$75
Capital Insurance Group	$698	$116
American Family	$820	$138
Country Financial	$840	$141
Travelers	$873	$147
Progressive	$901	$152
Encompass	$921	$156
State Farm	$942	$158
Nationwide	$955	$161
USAA	$955	$161
Mutual of Enumclaw	$1267	$215
Farmers	$1341	$226
Allstate	$1801	$303

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Average Car Insurance in North Plains 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 North Plains, OR increasing?

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

Car Insurance Premiums by Age in North Plains

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	$727
30s	USAA	$593
40s	USAA	$549
50s	USAA	$528
60s	USAA	$549
70s	USAA	$668

Cheapest Car Insurance Rates for Teen Drivers in North Plains,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Plains at $42 per month. At $6338 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$251	$42
Capital Insurance Group	$426	$71
Country Financial	$1131	$190
Travelers	$1497	$252
USAA	$1585	$267
State Farm	$1686	$284
American Family	$2310	$389
Progressive	$2614	$440
Nationwide	$4422	$752
Farmers	$6291	$1059
Allstate	$6338	$1067

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 North Plains.

As young drivers face the highest rates in North Plains, USAA offers the cheapest auto insurance rates at $727 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 North Plains, Kemper is the cheapest car insurance provider. At $454 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 North Plains is State Farm, offering rates of around $3460 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$454	$75
Capital Insurance Group	$528	$90
Nationwide	$657	$109
Country Financial	$1057	$178
Progressive	$1090	$184
American Family	$1294	$218
Travelers	$1409	$237
USAA	$1794	$306
Allstate	$3088	$514
Farmers	$3142	$535
State Farm	$3460	$577

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Car Insurance Rates with An Accident in North Plains

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Plains

The cheapest car insurance companies after an at-fault accident in North Plains include Kemper and Capital Insurance Group, offering $359 and $426, respectively. Allstate is an expensive provider with an average six-month premium of $2824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$359	$59
Capital Insurance Group	$426	$73
Capital	$481	$80
Encompass	$535	$91
State Farm	$711	$120
Travelers	$826	$139
USAA	$847	$143
Country Financial	$928	$156
Progressive	$982	$165
Nationwide	$1083	$182
American Family	$1151	$194
Farmers	$2241	$377
Allstate	$2824	$475

North Plains Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Plains OR. For example, the car insurance in North Plains after a DUI increases to $711 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

North Plains auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$955	$160
One Med/PIP claim	$955	$162
Not-at-fault accident	$988	$165
One comp claim	$1009	$171
Two Med/PIP claims	$1023	$170
Failure to wear a seat belt	$1090	$186
Two comp claims	$1117	$186
Child safety restraint	$1131	$193
Failure to show documents	$1131	$188
Driving without lights	$1138	$194
Driving with expired registration	$1165	$194
Speeding 11 - 15 MPH over limit	$1212	$206
Speeding 16 - 20 MPH over limit	$1212	$202
Speeding 6 - 10 MPH over limit	$1212	$206
Cell phone violation	$1219	$203
Driving too slowly	$1219	$207
Failure to yield	$1219	$203
Following too closely	$1219	$207
Illegal turn	$1219	$203
Texting while driving	$1219	$207
Wrong way/wrong lane	$1219	$203
Failure to stop at a red light	$1226	$209
Improper passing	$1226	$204
Passing school bus	$1273	$217
Speeding in school zone	$1273	$212
In 65 MPH zone	$1294	$220
Speeding 21 - 25 MPH over limit	$1300	$217
Open container	$1341	$228
At-fault accident - less than $1000	$1375	$229
Operating a vehicle without permission	$1382	$235
At-fault accident - $1000-$2000	$1463	$244
At-fault accident - greater than $2000	$1463	$249
Refusal to submit to a chemical test	$1638	$274
Racing	$1645	$279
DUI	$1666	$278
Reckless driving	$1672	$284
Driving with a suspended license	$1686	$282
Leaving scene of an accident/hit and run	$1741	$296

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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 North Plains 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 North Plains.

The cheapest car insurance premiums in North Plains are offered by Capital Insurance Group at $495 for a six-month policy. However, it can be as expensive as $2661 with companies like Nationwide.

North Plains car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$495	$84
Kemper	$610	$101
Progressive	$772	$130
State Farm	$982	$165
Travelers	$988	$166
American Family	$1232	$207
USAA	$1341	$226
Country Financial	$1550	$261
Farmers	$2160	$364
Allstate	$2296	$386
Nationwide	$2661	$453

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 North Plains are offered by Kemper at $332. However, it can be as expensive as $2635 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Plains after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$332	$56
Capital Insurance Group	$399	$68
Nationwide	$542	$90
State Farm	$583	$98
Country Financial	$853	$144
Progressive	$853	$144
American Family	$873	$147
Travelers	$1009	$170
USAA	$1009	$169
Allstate	$2207	$375
Farmers	$2635	$439

Car Insurance Price Trends in North Plains, Oregon

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

The average cost of full coverage in the North Plains rose by $219 in December compared to $215 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the North Plains rose to $81 in December, compared to $79 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 North Plains?

The car insurance in North Plains is $46 per month, which is lower than the national average.

What is the cheapest car insurance in North Plains?

The cheapest car insurance in North Plains is $75 per month for full coverage.

How much is car insurance in North Plains for teenagers?

Car insurance for teenagers costs $251 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 North Plains?

The average cost of car insurance is $860 for a six-month policy. It will cost around $165 per month to insure your car in North Plains.

Is car insurance expensive in North Plains?

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

What is the best car insurance in North Plains, OR?

The best car insurance company in North Plains OR is Kemper, offering $440 for a six-month policy.