Cheapest Car Insurance Quotes in Oregon City

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Oregon City 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 Oregon City

The car insurance rate in Oregon City is $1162 for a six-month policy, which is $282 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $510, making it a popular choice for budget-conscious drivers. Rates in Oregon City 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 Oregon City

$1162

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Oregon City

1st place: Kemper

At $510 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 $808 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 $894 for six months, making it the third cheapest auto insurance company in Oregon City.

Oregon City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oregon City, OR is Kemper, offering policies at just $510 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $808.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2211 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oregon City drivers find the best deals.

Cheap Car Insurance Companies in Oregon City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$510	$87
Capital Insurance Group	$808	$135
American Family	$894	$150
Travelers	$1003	$169
Progressive	$1027	$173
Encompass	$1067	$178
USAA	$1098	$185
Nationwide	$1106	$186
State Farm	$1113	$187
Country Financial	$1137	$191
Mutual of Enumclaw	$1467	$249
Farmers	$1678	$282
Allstate	$2211	$372

Key Takeaways

Way's key takeaways about car insurance in Oregon City

The auto insurance costs in Oregon City fall around $510 for six months.
The cheapest auto insurance company in Oregon City is Kemper.
Teen drivers pay the highest rate in Oregon City at $1333 per month.

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Cheapest Minimum Liability Car Insurance in Oregon City

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 Oregon City are given below.

Kemper provides the cheapest minimum car insurance coverage in Oregon City. Their Average 6 Month Premium is $314. Allstate is the most expensive at $1168 for the same period.

Cheapest Liability Coverage in Oregon City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$314	$53
Capital Insurance Group	$416	$71
State Farm	$447	$75
USAA	$447	$75
American Family	$470	$79
Travelers	$470	$79
Progressive	$478	$81
Country Financial	$557	$94
California Casualty	$595	$99
Nationwide	$627	$106
Farmers	$870	$147
Allstate	$1168	$197

Cheapest Full Coverage Car Insurance in Oregon City

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 Oregon City is Kemper at $87 per month and $510 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oregon City, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$510	$87
Capital Insurance Group	$808	$135
American Family	$894	$150
Travelers	$1003	$169
Progressive	$1027	$173
Encompass	$1067	$178
USAA	$1098	$185
Nationwide	$1106	$186
State Farm	$1113	$187
Country Financial	$1137	$191
Mutual of Enumclaw	$1467	$249
Farmers	$1678	$282
Allstate	$2211	$372

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Average Car Insurance in Oregon City 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 Oregon City, OR increasing?

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

Car Insurance Premiums by Age in Oregon City

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	$758
30s	USAA	$618
40s	USAA	$573
50s	USAA	$550
60s	USAA	$573
70s	USAA	$697

Cheapest Car Insurance Rates for Teen Drivers in Oregon City,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oregon City at $49 per month. At $7919 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$290	$49
Capital Insurance Group	$494	$82
Country Financial	$1632	$275
USAA	$1733	$292
Travelers	$1757	$296
State Farm	$2078	$350
American Family	$2563	$432
Progressive	$2681	$451
Nationwide	$5120	$871
Allstate	$7919	$1333
Farmers	$7919	$1333

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 Oregon City.

As young drivers face the highest rates in Oregon City, USAA offers the cheapest auto insurance rates at $758 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 Oregon City, Kemper is the cheapest car insurance provider. At $525 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 Oregon City is State Farm, offering rates of around $5347 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$525	$87
Capital Insurance Group	$611	$104
Nationwide	$760	$127
Progressive	$1129	$190
American Family	$1373	$231
Country Financial	$1505	$253
Travelers	$1584	$267
USAA	$1976	$337
Allstate	$4022	$671
Farmers	$4273	$726
State Farm	$5347	$891

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Car Insurance Rates with An Accident in Oregon City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Oregon City

The cheapest car insurance companies after an at-fault accident in Oregon City include Kemper and Capital Insurance Group, offering $416 and $494, respectively. Allstate is an expensive provider with an average six-month premium of $3497.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$416	$69
Capital Insurance Group	$494	$84
Capital	$557	$92
Encompass	$619	$106
State Farm	$847	$143
Travelers	$941	$158
USAA	$995	$168
Progressive	$1113	$187
American Family	$1254	$211
Nationwide	$1254	$211
Country Financial	$1317	$222
Farmers	$2878	$484
Allstate	$3497	$589

Oregon City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oregon City OR. For example, the car insurance in Oregon City after a DUI increases to $823 for a six month policy. While the rate increases by $297 for a six-month policy in the case of a speeding ticket.

Oregon City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1106	$185
One Med/PIP claim	$1106	$187
Not-at-fault accident	$1144	$191
One comp claim	$1168	$198
Two Med/PIP claims	$1184	$197
Failure to wear a seat belt	$1262	$215
Two comp claims	$1294	$215
Child safety restraint	$1309	$223
Failure to show documents	$1309	$218
Driving without lights	$1317	$224
Driving with expired registration	$1349	$224
Speeding 11 - 15 MPH over limit	$1403	$239
Speeding 16 - 20 MPH over limit	$1403	$234
Speeding 6 - 10 MPH over limit	$1403	$239
Cell phone violation	$1411	$235
Driving too slowly	$1411	$240
Failure to yield	$1411	$235
Following too closely	$1411	$240
Illegal turn	$1411	$235
Texting while driving	$1411	$240
Wrong way/wrong lane	$1411	$235
Failure to stop at a red light	$1419	$242
Improper passing	$1419	$236
Passing school bus	$1474	$251
Speeding in school zone	$1474	$246
In 65 MPH zone	$1498	$255
Speeding 21 - 25 MPH over limit	$1505	$251
Open container	$1552	$264
At-fault accident - less than $1000	$1592	$265
Operating a vehicle without permission	$1600	$272
At-fault accident - $1000-$2000	$1694	$282
At-fault accident - greater than $2000	$1694	$288
Refusal to submit to a chemical test	$1897	$317
Racing	$1905	$323
DUI	$1929	$322
Reckless driving	$1936	$329
Driving with a suspended license	$1952	$326
Leaving scene of an accident/hit and run	$2016	$343

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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 Oregon City 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 Oregon City.

The cheapest car insurance premiums in Oregon City are offered by Capital Insurance Group at $573 for a six-month policy. However, it can be as expensive as $3081 with companies like Nationwide.

Oregon City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$573	$98
Kemper	$706	$117
Progressive	$878	$148
Travelers	$1129	$190
State Farm	$1184	$199
American Family	$1325	$223
USAA	$1474	$248
Farmers	$2768	$466
Country Financial	$2814	$474
Allstate	$2846	$479
Nationwide	$3081	$524

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 Oregon City are offered by Kemper at $384. However, it can be as expensive as $3598 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oregon City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$65
Capital Insurance Group	$462	$79
Nationwide	$627	$104
State Farm	$737	$124
Progressive	$941	$158
American Family	$949	$160
Travelers	$1144	$193
USAA	$1160	$197
Country Financial	$1208	$203
Allstate	$2878	$490
Farmers	$3598	$599

Car Insurance Price Trends in Oregon City, Oregon

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

The average cost of full coverage in the Oregon City rose by $263 in January compared to $253 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 Oregon City 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 Oregon City?

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

What is the cheapest car insurance in Oregon City?

The cheapest car insurance in Oregon City is $87 per month for full coverage.

How much is car insurance in Oregon City for teenagers?

Car insurance for teenagers costs $290 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 Oregon City?

The average cost of car insurance is $880 for a six-month policy. It will cost around $195 per month to insure your car in Oregon City.

Is car insurance expensive in Oregon City?

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

What is the best car insurance in Oregon City, OR?

The best car insurance company in Oregon City OR is Kemper, offering $510 for a six-month policy.