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Otis Car Insurance
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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.
The car insurance rate in Otis is $1021 for a six-month policy, which is $141 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Otis 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 $448 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Capital Insurance Group offers auto insurance rates at $710 for a six-month policy, making it one of the cheapest to insure with.
American Family offers auto insurance rates at $785 for six months, making it the third cheapest auto insurance company in Otis.
Based on our research, the cheapest car insurance company in Otis, OR is Kemper, offering policies at just $448 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $710.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1943 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Otis drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $448 | $77 |
| Capital Insurance Group | $710 | $118 |
| American Family | $785 | $132 |
| Travelers | $882 | $148 |
| Progressive | $902 | $152 |
| Encompass | $937 | $157 |
| USAA | $965 | $162 |
| Nationwide | $972 | $164 |
| State Farm | $978 | $165 |
| Country Financial | $999 | $168 |
| Mutual of Enumclaw | $1289 | $219 |
| Farmers | $1474 | $248 |
| Allstate | $1943 | $327 |
Save up to $971/yr with our auto insurance quotes
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 Otis are given below.
Kemper provides the cheapest minimum car insurance coverage in Otis. Their Average 6 Month Premium is $276. Allstate is the most expensive at $1027 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $276 | $46 |
| Capital Insurance Group | $365 | $63 |
| State Farm | $393 | $66 |
| USAA | $393 | $66 |
| American Family | $413 | $70 |
| Travelers | $413 | $70 |
| Progressive | $420 | $71 |
| Country Financial | $490 | $82 |
| California Casualty | $523 | $87 |
| Nationwide | $551 | $93 |
| Farmers | $764 | $129 |
| Allstate | $1027 | $173 |
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 Otis is Kemper at $77 per month and $448 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $448 | $77 |
| Capital Insurance Group | $710 | $118 |
| American Family | $785 | $132 |
| Travelers | $882 | $148 |
| Progressive | $902 | $152 |
| Encompass | $937 | $157 |
| USAA | $965 | $162 |
| Nationwide | $972 | $164 |
| State Farm | $978 | $165 |
| Country Financial | $999 | $168 |
| Mutual of Enumclaw | $1289 | $219 |
| Farmers | $1474 | $248 |
| Allstate | $1943 | $327 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Otis, 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, Otis's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $666 |
| 30s | USAA | $543 |
| 40s | USAA | $503 |
| 50s | USAA | $484 |
| 60s | USAA | $503 |
| 70s | USAA | $612 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Otis at $43 per month. At $6959 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $255 | $43 |
| Capital Insurance Group | $434 | $72 |
| Country Financial | $1434 | $241 |
| USAA | $1523 | $256 |
| Travelers | $1544 | $260 |
| State Farm | $1826 | $307 |
| American Family | $2253 | $379 |
| Progressive | $2356 | $397 |
| Nationwide | $4500 | $766 |
| Allstate | $6959 | $1172 |
| Farmers | $6959 | $1172 |
Teen Car Insurance Rates in OR by Age
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.
For those with poor credit scores in Otis, Kemper is the cheapest car insurance provider. At $462 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 Otis is State Farm, offering rates of around $4699 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $462 | $77 |
| Capital Insurance Group | $537 | $92 |
| Nationwide | $668 | $111 |
| Progressive | $992 | $167 |
| American Family | $1206 | $203 |
| Country Financial | $1322 | $223 |
| Travelers | $1392 | $234 |
| USAA | $1737 | $296 |
| Allstate | $3535 | $589 |
| Farmers | $3755 | $638 |
| State Farm | $4699 | $783 |
Save up to $971/yr on car insurance rates in Otis.
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 Otis, OR, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Otis include Kemper and Capital Insurance Group, offering $365 and $434, respectively. Allstate is an expensive provider with an average six-month premium of $3073.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $365 | $60 |
| Capital Insurance Group | $434 | $74 |
| Capital | $490 | $81 |
| Encompass | $544 | $93 |
| State Farm | $745 | $125 |
| Travelers | $827 | $139 |
| USAA | $875 | $147 |
| Progressive | $978 | $165 |
| American Family | $1102 | $186 |
| Nationwide | $1102 | $186 |
| Country Financial | $1158 | $195 |
| Farmers | $2529 | $426 |
| Allstate | $3073 | $517 |
Here is a list of driving violations that can increase your car insurance rates in Otis OR. For example, the car insurance in Otis after a DUI increases to $723 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $972 | $162 |
| One Med/PIP claim | $972 | $165 |
| Not-at-fault accident | $1006 | $168 |
| One comp claim | $1027 | $174 |
| Two Med/PIP claims | $1041 | $173 |
| Failure to wear a seat belt | $1109 | $189 |
| Two comp claims | $1137 | $189 |
| Child safety restraint | $1151 | $196 |
| Failure to show documents | $1151 | $191 |
| Driving without lights | $1158 | $197 |
| Driving with expired registration | $1186 | $197 |
| Speeding 11 - 15 MPH over limit | $1233 | $210 |
| Speeding 16 - 20 MPH over limit | $1233 | $205 |
| Speeding 6 - 10 MPH over limit | $1233 | $210 |
| Cell phone violation | $1240 | $206 |
| Driving too slowly | $1240 | $211 |
| Failure to yield | $1240 | $206 |
| Following too closely | $1240 | $211 |
| Illegal turn | $1240 | $206 |
| Texting while driving | $1240 | $211 |
| Wrong way/wrong lane | $1240 | $206 |
| Failure to stop at a red light | $1247 | $212 |
| Improper passing | $1247 | $208 |
| Passing school bus | $1296 | $220 |
| Speeding in school zone | $1296 | $216 |
| In 65 MPH zone | $1317 | $224 |
| Speeding 21 - 25 MPH over limit | $1322 | $220 |
| Open container | $1364 | $232 |
| At-fault accident - less than $1000 | $1399 | $233 |
| Operating a vehicle without permission | $1406 | $239 |
| At-fault accident - $1000-$2000 | $1488 | $248 |
| At-fault accident - greater than $2000 | $1488 | $253 |
| Refusal to submit to a chemical test | $1667 | $278 |
| Racing | $1674 | $284 |
| DUI | $1695 | $283 |
| Reckless driving | $1702 | $289 |
| Driving with a suspended license | $1716 | $287 |
| Leaving scene of an accident/hit and run | $1771 | $302 |
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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.
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 Otis.
The cheapest car insurance premiums in Otis are offered by Capital Insurance Group at $503 for a six-month policy. However, it can be as expensive as $2707 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $503 | $86 |
| Kemper | $621 | $103 |
| Progressive | $771 | $130 |
| Travelers | $992 | $167 |
| State Farm | $1041 | $175 |
| American Family | $1165 | $196 |
| USAA | $1296 | $218 |
| Farmers | $2433 | $409 |
| Country Financial | $2473 | $416 |
| Allstate | $2501 | $421 |
| Nationwide | $2707 | $461 |
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 Otis are offered by Kemper at $338. However, it can be as expensive as $3162 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $338 | $57 |
| Capital Insurance Group | $406 | $70 |
| Nationwide | $551 | $92 |
| State Farm | $647 | $109 |
| Progressive | $827 | $139 |
| American Family | $834 | $140 |
| Travelers | $1006 | $169 |
| USAA | $1020 | $173 |
| Country Financial | $1061 | $179 |
| Allstate | $2529 | $430 |
| Farmers | $3162 | $527 |
Car insurance rates in Otis have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Otis rose by $231 in January compared to $223 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 Otis remained steady at $82 in both January and December, indicating no change over the two month period.
How much is car insurance in Otis?
The car insurance in Otis is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Otis?
The cheapest car insurance in Otis is $77 per month for full coverage.
How much is car insurance in Otis for teenagers?
Car insurance for teenagers costs $255 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 Otis?
The average cost of car insurance is $880 for a six-month policy. It will cost around $172 per month to insure your car in Otis.
Is car insurance expensive in Otis?
Car insurance can be expensive in Otis if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Otis can be affordable.
What is the best car insurance in Otis, OR?
The best car insurance company in Otis OR is Kemper, offering $448 for a six-month policy.
Cut auto insurance costs in Otis right now.