We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Otter Rock 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 Otter Rock
The car insurance rate in Otter Rock is $834 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $374, making it a popular choice for budget-conscious drivers. Rates in Otter Rock 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 $374 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 $594 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 $697
for six months, making it
the third cheapest auto insurance company in Otter Rock.
Otter Rock Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Otter Rock, OR is Kemper, offering policies at just $374 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $594.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1533 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Otter Rock drivers find the best deals.
Way's key takeaways about car insurance in Otter Rock
The auto insurance costs in Otter Rock fall around $374 for six
months.
The cheapest auto insurance company in Otter Rock is Kemper.
Teen drivers pay the highest rate in Otter Rock at $908 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 Otter Rock
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 Otter Rock are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Otter Rock. Their Average 6 Month Premium is $231.
Allstate is the most
expensive at $835 for the same
period.
Cheapest Full Coverage Car Insurance in Otter Rock
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 Otter Rock is Kemper
at $64 per month and $374
for six months.
Cheapest Full Coverage Car Insurance Quotes in Otter Rock,
OR
Get Your Car Insurance Quote in Otter Rock
Instantly!
Average Car Insurance in Otter Rock 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 Otter Rock, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Otter Rock, 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, Otter Rock's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Otter Rock
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
$619
30s
USAA
$504
40s
USAA
$468
50s
USAA
$449
60s
USAA
$468
70s
USAA
$568
Cheapest Car Insurance Rates for Teen Drivers in
Otter Rock,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Otter Rock at $36
per
month. At $5393 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Otter Rock.
As young drivers face the highest rates in Otter Rock, USAA
offers the cheapest auto insurance rates at $619 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 Otter Rock,
Kemper is
the cheapest car insurance provider. At $386 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
Otter Rock is State Farm, offering
rates of around $2944 for six
months.
Save up to $971/yr on car insurance rates in Otter Rock.
Car Insurance Rates with An Accident in Otter Rock
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 Otter Rock, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Otter Rock
The cheapest car insurance companies after an at-fault accident in
Otter Rock include Kemper
and Capital Insurance Group, offering $306
and $363,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2403.
Here is a list of driving violations that can increase your car
insurance rates in Otter Rock OR. For example, the car
insurance in Otter Rock
after a DUI increases to $604 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
Otter Rock auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$813
$136
One Med/PIP claim
$813
$138
Not-at-fault accident
$841
$141
One comp claim
$858
$146
Two Med/PIP claims
$870
$145
Failure to wear a seat belt
$927
$158
Two comp claims
$951
$158
Child safety restraint
$962
$164
Failure to show documents
$962
$160
Driving without lights
$968
$165
Driving with expired registration
$991
$165
Speeding 11 - 15 MPH over limit
$1031
$176
Speeding 16 - 20 MPH over limit
$1031
$172
Speeding 6 - 10 MPH over limit
$1031
$176
Cell phone violation
$1037
$173
Driving too slowly
$1037
$177
Failure to yield
$1037
$173
Following too closely
$1037
$177
Illegal turn
$1037
$173
Texting while driving
$1037
$177
Wrong way/wrong lane
$1037
$173
Failure to stop at a red light
$1043
$178
Improper passing
$1043
$174
Passing school bus
$1083
$184
Speeding in school zone
$1083
$180
In 65 MPH zone
$1101
$187
Speeding 21 - 25 MPH over limit
$1106
$184
Open container
$1141
$194
At-fault accident - less than $1000
$1170
$195
Operating a vehicle without permission
$1176
$200
At-fault accident - $1000-$2000
$1245
$208
At-fault accident - greater than $2000
$1245
$211
Refusal to submit to a chemical test
$1394
$233
Racing
$1400
$238
DUI
$1417
$237
Reckless driving
$1423
$242
Driving with a suspended license
$1435
$240
Leaving scene of an accident/hit and run
$1481
$252
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Otter Rock 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 Otter Rock.
The cheapest car insurance premiums in
Otter Rock are
offered by Capital Insurance Group at $421 for a six-month policy.
However, it can be as
expensive as $2264 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 Otter Rock are offered by Kemper
at $282. However,
it can be as expensive as $2242
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Otter Rock after Speeding ticket
Car insurance rates in Otter Rock have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Otter Rock rose by
$186 in December
compared to $183 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Otter Rock rose to $69 in December,
compared to $67 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Otter Rock by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Otter Rock. At $1668 for a
six-month policy, insuring
your car at 97369 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Otter Rock?
The car insurance in Otter Rock is $39 per month, which is lower than the national average.
What is the cheapest car insurance in Otter Rock?
The cheapest car insurance in Otter Rock
is $64 per month
for full coverage.
How much is car insurance in Otter Rock for teenagers?
Car insurance for teenagers costs $213 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
Otter Rock?
The average cost of car insurance is $860 for a six-month
policy. It will cost around $141 per month to insure your
car in Otter Rock.
Is car insurance expensive in Otter Rock?
Car insurance can be expensive in Otter Rock if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Otter Rock can be
affordable.
What is the best car insurance in Otter Rock,
OR?
The best car insurance company in Otter Rock
OR is
Kemper, offering $374 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Otter Rock right now.
Find Car Insurance Rates in Cities Near Otter Rock, OR
Car Insurance Rates by State in the USA (2025 Update)
Otter Rock Car Insurance
