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Finding the cheapest car insurance quotes in O Brien 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 O Brien
The car insurance rate in O Brien is $889 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in O Brien 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.
At $390 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 $618 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 $684
for six months, making it
the third cheapest auto insurance company in O Brien.
O Brien Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in O Brien, OR is Kemper, offering policies at just $390 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $618.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help O Brien drivers find the best deals.
Way's key takeaways about car insurance in O Brien
The auto insurance costs in O Brien fall around $390 for six
months.
The cheapest auto insurance company in O Brien is Kemper.
Teen drivers pay the highest rate in O Brien at $1020 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 O Brien
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 O Brien are given below.
Kemper provides
the cheapest minimum car insurance
coverage in O Brien. Their Average 6 Month Premium is $240.
Allstate is the most
expensive at $894 for the same
period.
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 O Brien is Kemper
at $67 per month and $390
for six months.
Cheapest Full Coverage Car Insurance Quotes in O Brien,
OR
Get Your Car Insurance Quote in O Brien
Instantly!
Average Car Insurance in O Brien 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 O Brien, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in O Brien, 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, O Brien's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in O Brien
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
$580
30s
USAA
$473
40s
USAA
$438
50s
USAA
$421
60s
USAA
$438
70s
USAA
$533
Cheapest Car Insurance Rates for Teen Drivers in
O Brien,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the O Brien at $37
per
month. At $6059 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 O Brien.
As young drivers face the highest rates in O Brien, USAA
offers the cheapest auto insurance rates at $580 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 O Brien,
Kemper is
the cheapest car insurance provider. At $402 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
O Brien is State Farm, offering
rates of around $4092 for six
months.
Save up to $971/yr on car insurance rates in O Brien.
Car Insurance Rates with An Accident in O Brien
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 O Brien, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in O Brien
The cheapest car insurance companies after an at-fault accident in
O Brien include Kemper
and Capital Insurance Group, offering $318
and $378,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2675.
Here is a list of driving violations that can increase your car
insurance rates in O Brien OR. For example, the car
insurance in O Brien
after a DUI increases to $630 for a six
month policy. While the rate increases by $228 for a six-month policy in the case of
a speeding ticket.
O Brien auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$846
$141
One Med/PIP claim
$846
$143
Not-at-fault accident
$876
$146
One comp claim
$894
$152
Two Med/PIP claims
$906
$150
Failure to wear a seat belt
$966
$165
Two comp claims
$990
$165
Child safety restraint
$1002
$171
Failure to show documents
$1002
$167
Driving without lights
$1008
$172
Driving with expired registration
$1032
$172
Speeding 11 - 15 MPH over limit
$1074
$183
Speeding 16 - 20 MPH over limit
$1074
$179
Speeding 6 - 10 MPH over limit
$1074
$183
Cell phone violation
$1080
$180
Driving too slowly
$1080
$184
Failure to yield
$1080
$180
Following too closely
$1080
$184
Illegal turn
$1080
$180
Texting while driving
$1080
$184
Wrong way/wrong lane
$1080
$180
Failure to stop at a red light
$1086
$185
Improper passing
$1086
$181
Passing school bus
$1128
$192
Speeding in school zone
$1128
$188
In 65 MPH zone
$1146
$195
Speeding 21 - 25 MPH over limit
$1151
$192
Open container
$1188
$202
At-fault accident - less than $1000
$1218
$203
Operating a vehicle without permission
$1224
$208
At-fault accident - $1000-$2000
$1296
$216
At-fault accident - greater than $2000
$1296
$220
Refusal to submit to a chemical test
$1451
$242
Racing
$1457
$247
DUI
$1476
$246
Reckless driving
$1482
$251
Driving with a suspended license
$1494
$249
Leaving scene of an accident/hit and run
$1542
$263
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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 O Brien 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 O Brien.
The cheapest car insurance premiums in
O Brien are
offered by Capital Insurance Group at $438 for a six-month policy.
However, it can be as
expensive as $2357 with companies
like Nationwide.
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 O Brien are offered by Kemper
at $294. However,
it can be as expensive as $2753
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in O Brien after Speeding ticket
Car insurance rates in O Brien have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the O Brien rose by
$201 in January
compared to $194 of December. In other words, there has been an increase by $7 when you
compare January and December.
The average cost of liability insurance in the O Brien remained steady at $72 in both January and December, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
O Brien. At $N/A for a
six-month policy, insuring
your car at N/A 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 O Brien?
The car insurance in O Brien is $40 per month, which is lower than the national average.
What is the cheapest car insurance in O Brien?
The cheapest car insurance in O Brien
is $67 per month
for full coverage.
How much is car insurance in O Brien for teenagers?
Car insurance for teenagers costs $222 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
O Brien?
The average cost of car insurance is $880 for a six-month
policy. It will cost around $149 per month to insure your
car in O Brien.
Is car insurance expensive in O Brien?
Car insurance can be expensive in O Brien if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in O Brien can be
affordable.
What is the best car insurance in O Brien,
OR?
The best car insurance company in O Brien
OR is
Kemper, offering $390 for a
six-month policy.
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Find Car Insurance Rates in Cities Near O Brien, OR
Car Insurance Rates by State in the USA (2025 Update)
O Brien Car Insurance
