Cheapest Car Insurance Quotes in Oak Grove

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Oak Grove Car Insurance

^$ 53

/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 Oak Grove

The car insurance rate in Oak Grove is $1170 for a six-month policy, which is $290 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $513, making it a popular choice for budget-conscious drivers. Rates in Oak Grove 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 Oak Grove

$1170

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Oak Grove

1st place: Kemper

At $513 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 $814 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 $900 for six months, making it the third cheapest auto insurance company in Oak Grove.

Oak Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Grove, OR is Kemper, offering policies at just $513 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $814.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2228 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Grove drivers find the best deals.

Cheap Car Insurance Companies in Oak Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$88
Capital Insurance Group	$814	$136
American Family	$900	$152
Travelers	$1011	$170
Progressive	$1035	$174
Encompass	$1075	$180
USAA	$1107	$186
Nationwide	$1115	$188
State Farm	$1121	$189
Country Financial	$1145	$193
Mutual of Enumclaw	$1478	$251
Farmers	$1690	$285
Allstate	$2228	$375

Key Takeaways

Way's key takeaways about car insurance in Oak Grove

The auto insurance costs in Oak Grove fall around $513 for six months.
The cheapest auto insurance company in Oak Grove is Kemper.
Teen drivers pay the highest rate in Oak Grove at $1343 per month.

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Cheapest Minimum Liability Car Insurance in Oak Grove

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 Oak Grove are given below.

Kemper provides the cheapest minimum car insurance coverage in Oak Grove. Their Average 6 Month Premium is $317. Allstate is the most expensive at $1177 for the same period.

Cheapest Liability Coverage in Oak Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$317	$53
Capital Insurance Group	$419	$72
State Farm	$451	$76
USAA	$451	$76
American Family	$473	$80
Travelers	$473	$80
Progressive	$481	$81
Country Financial	$561	$94
California Casualty	$600	$100
Nationwide	$632	$106
Farmers	$876	$148
Allstate	$1177	$198

Cheapest Full Coverage Car Insurance in Oak Grove

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 Oak Grove is Kemper at $88 per month and $513 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Grove, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$88
Capital Insurance Group	$814	$136
American Family	$900	$152
Travelers	$1011	$170
Progressive	$1035	$174
Encompass	$1075	$180
USAA	$1107	$186
Nationwide	$1115	$188
State Farm	$1121	$189
Country Financial	$1145	$193
Mutual of Enumclaw	$1478	$251
Farmers	$1690	$285
Allstate	$2228	$375

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Average Car Insurance in Oak Grove 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 Oak Grove, OR increasing?

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

Car Insurance Premiums by Age in Oak Grove

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	$763
30s	USAA	$622
40s	USAA	$577
50s	USAA	$555
60s	USAA	$577
70s	USAA	$702

Cheapest Car Insurance Rates for Teen Drivers in Oak Grove,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oak Grove at $49 per month. At $7979 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$293	$49
Capital Insurance Group	$497	$82
Country Financial	$1644	$277
USAA	$1746	$294
Travelers	$1770	$298
State Farm	$2093	$352
American Family	$2583	$435
Progressive	$2701	$455
Nationwide	$5159	$878
Allstate	$7979	$1343
Farmers	$7979	$1343

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 Oak Grove.

As young drivers face the highest rates in Oak Grove, USAA offers the cheapest auto insurance rates at $763 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 Oak Grove, Kemper is the cheapest car insurance provider. At $529 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 Oak Grove is State Farm, offering rates of around $5388 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$529	$88
Capital Insurance Group	$616	$105
Nationwide	$766	$128
Progressive	$1137	$192
American Family	$1383	$233
Country Financial	$1516	$255
Travelers	$1596	$269
USAA	$1991	$339
Allstate	$4053	$676
Farmers	$4305	$732
State Farm	$5388	$898

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Car Insurance Rates with An Accident in Oak Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Oak Grove

The cheapest car insurance companies after an at-fault accident in Oak Grove include Kemper and Capital Insurance Group, offering $419 and $497, respectively. Allstate is an expensive provider with an average six-month premium of $3523.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$419	$69
Capital Insurance Group	$497	$85
Capital	$561	$93
Encompass	$624	$106
State Farm	$854	$144
Travelers	$948	$160
USAA	$1003	$169
Progressive	$1121	$189
American Family	$1264	$213
Nationwide	$1264	$213
Country Financial	$1327	$223
Farmers	$2899	$488
Allstate	$3523	$593

Oak Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Grove OR. For example, the car insurance in Oak Grove after a DUI increases to $828 for a six month policy. While the rate increases by $299 for a six-month policy in the case of a speeding ticket.

Oak Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1115	$186
One Med/PIP claim	$1115	$189
Not-at-fault accident	$1153	$193
One comp claim	$1177	$200
Two Med/PIP claims	$1193	$198
Failure to wear a seat belt	$1271	$217
Two comp claims	$1303	$217
Child safety restraint	$1319	$225
Failure to show documents	$1319	$219
Driving without lights	$1327	$226
Driving with expired registration	$1359	$226
Speeding 11 - 15 MPH over limit	$1414	$241
Speeding 16 - 20 MPH over limit	$1414	$235
Speeding 6 - 10 MPH over limit	$1414	$241
Cell phone violation	$1422	$237
Driving too slowly	$1422	$242
Failure to yield	$1422	$237
Following too closely	$1422	$242
Illegal turn	$1422	$237
Texting while driving	$1422	$242
Wrong way/wrong lane	$1422	$237
Failure to stop at a red light	$1430	$243
Improper passing	$1430	$238
Passing school bus	$1486	$253
Speeding in school zone	$1486	$247
In 65 MPH zone	$1510	$257
Speeding 21 - 25 MPH over limit	$1516	$253
Open container	$1564	$266
At-fault accident - less than $1000	$1604	$267
Operating a vehicle without permission	$1612	$274
At-fault accident - $1000-$2000	$1706	$285
At-fault accident - greater than $2000	$1706	$290
Refusal to submit to a chemical test	$1911	$319
Racing	$1919	$326
DUI	$1943	$325
Reckless driving	$1951	$331
Driving with a suspended license	$1967	$329
Leaving scene of an accident/hit and run	$2031	$346

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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 Oak Grove 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 Oak Grove.

The cheapest car insurance premiums in Oak Grove are offered by Capital Insurance Group at $577 for a six-month policy. However, it can be as expensive as $3104 with companies like Nationwide.

Oak Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$577	$98
Kemper	$712	$118
Progressive	$884	$149
Travelers	$1137	$192
State Farm	$1193	$201
American Family	$1335	$225
USAA	$1486	$250
Farmers	$2789	$469
Country Financial	$2836	$477
Allstate	$2867	$483
Nationwide	$3104	$528

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 Oak Grove are offered by Kemper at $387. However, it can be as expensive as $3626 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oak Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$387	$65
Capital Insurance Group	$466	$80
Nationwide	$632	$105
State Farm	$742	$125
Progressive	$948	$160
American Family	$956	$161
Travelers	$1153	$194
USAA	$1169	$198
Country Financial	$1217	$205
Allstate	$2899	$493
Farmers	$3626	$604

Car Insurance Price Trends in Oak Grove, Oregon

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

The average cost of full coverage in the Oak Grove rose by $265 in January compared to $255 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Oak Grove remained steady at $94 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 Oak Grove?

The car insurance in Oak Grove is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Grove?

The cheapest car insurance in Oak Grove is $88 per month for full coverage.

How much is car insurance in Oak Grove for teenagers?

Car insurance for teenagers costs $293 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 Oak Grove?

The average cost of car insurance is $880 for a six-month policy. It will cost around $197 per month to insure your car in Oak Grove.

Is car insurance expensive in Oak Grove?

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

What is the best car insurance in Oak Grove, OR?

The best car insurance company in Oak Grove OR is Kemper, offering $513 for a six-month policy.