Cheapest Car Insurance Quotes in Seaside

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Seaside Car Insurance

^$ 46

/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 Seaside

The car insurance rate in Seaside is $1003 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Seaside 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 Seaside

$1003

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Seaside

1st place: Kemper

At $440 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 $698 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 $772 for six months, making it the third cheapest auto insurance company in Seaside.

Seaside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seaside, OR is Kemper, offering policies at just $440 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $698.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1909 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seaside drivers find the best deals.

Cheap Car Insurance Companies in Seaside, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$440	$75
Capital Insurance Group	$698	$116
American Family	$772	$130
Travelers	$866	$146
Progressive	$887	$149
Encompass	$921	$154
USAA	$948	$160
Nationwide	$955	$161
State Farm	$961	$162
Country Financial	$982	$165
Mutual of Enumclaw	$1267	$215
Farmers	$1449	$244
Allstate	$1909	$321

Key Takeaways

Way's key takeaways about car insurance in Seaside

The auto insurance costs in Seaside fall around $440 for six months.
The cheapest auto insurance company in Seaside is Kemper.
Teen drivers pay the highest rate in Seaside at $1151 per month.

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Cheapest Minimum Liability Car Insurance in Seaside

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 Seaside are given below.

Kemper provides the cheapest minimum car insurance coverage in Seaside. Their Average 6 Month Premium is $271. Allstate is the most expensive at $1009 for the same period.

Cheapest Liability Coverage in Seaside, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$271	$46
Capital Insurance Group	$359	$62
State Farm	$386	$65
USAA	$386	$65
American Family	$406	$68
Travelers	$406	$68
Progressive	$413	$70
Country Financial	$481	$81
California Casualty	$514	$85
Nationwide	$542	$91
Farmers	$751	$127
Allstate	$1009	$170

Cheapest Full Coverage Car Insurance in Seaside

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 Seaside is Kemper at $75 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seaside, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$440	$75
Capital Insurance Group	$698	$116
American Family	$772	$130
Travelers	$866	$146
Progressive	$887	$149
Encompass	$921	$154
USAA	$948	$160
Nationwide	$955	$161
State Farm	$961	$162
Country Financial	$982	$165
Mutual of Enumclaw	$1267	$215
Farmers	$1449	$244
Allstate	$1909	$321

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Average Car Insurance in Seaside 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 Seaside, OR increasing?

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

Car Insurance Premiums by Age in Seaside

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	$654
30s	USAA	$534
40s	USAA	$495
50s	USAA	$475
60s	USAA	$495
70s	USAA	$602

Cheapest Car Insurance Rates for Teen Drivers in Seaside,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Seaside at $42 per month. At $6839 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$251	$42
Capital Insurance Group	$426	$71
Country Financial	$1409	$237
USAA	$1497	$252
Travelers	$1517	$255
State Farm	$1794	$302
American Family	$2214	$373
Progressive	$2315	$390
Nationwide	$4422	$752
Allstate	$6839	$1151
Farmers	$6839	$1151

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 Seaside.

As young drivers face the highest rates in Seaside, USAA offers the cheapest auto insurance rates at $654 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 Seaside, Kemper is the cheapest car insurance provider. At $454 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 Seaside is State Farm, offering rates of around $4618 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$454	$75
Capital Insurance Group	$528	$90
Nationwide	$657	$109
Progressive	$975	$164
American Family	$1186	$199
Country Financial	$1300	$219
Travelers	$1368	$230
USAA	$1707	$291
Allstate	$3474	$579
Farmers	$3690	$627
State Farm	$4618	$769

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Car Insurance Rates with An Accident in Seaside

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

Cheapest Car Insurance Companies after an At-Fault Accident in Seaside

The cheapest car insurance companies after an at-fault accident in Seaside include Kemper and Capital Insurance Group, offering $359 and $426, respectively. Allstate is an expensive provider with an average six-month premium of $3020.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$359	$59
Capital Insurance Group	$426	$73
Capital	$481	$80
Encompass	$535	$91
State Farm	$732	$123
Travelers	$813	$137
USAA	$860	$145
Progressive	$961	$162
American Family	$1083	$182
Nationwide	$1083	$182
Country Financial	$1138	$192
Farmers	$2485	$418
Allstate	$3020	$508

Seaside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seaside OR. For example, the car insurance in Seaside after a DUI increases to $711 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Seaside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$955	$160
One Med/PIP claim	$955	$162
Not-at-fault accident	$988	$165
One comp claim	$1009	$171
Two Med/PIP claims	$1023	$170
Failure to wear a seat belt	$1090	$186
Two comp claims	$1117	$186
Child safety restraint	$1131	$193
Failure to show documents	$1131	$188
Driving without lights	$1138	$194
Driving with expired registration	$1165	$194
Speeding 11 - 15 MPH over limit	$1212	$206
Speeding 16 - 20 MPH over limit	$1212	$202
Speeding 6 - 10 MPH over limit	$1212	$206
Cell phone violation	$1219	$203
Driving too slowly	$1219	$207
Failure to yield	$1219	$203
Following too closely	$1219	$207
Illegal turn	$1219	$203
Texting while driving	$1219	$207
Wrong way/wrong lane	$1219	$203
Failure to stop at a red light	$1226	$209
Improper passing	$1226	$204
Passing school bus	$1273	$217
Speeding in school zone	$1273	$212
In 65 MPH zone	$1294	$220
Speeding 21 - 25 MPH over limit	$1300	$217
Open container	$1341	$228
At-fault accident - less than $1000	$1375	$229
Operating a vehicle without permission	$1382	$235
At-fault accident - $1000-$2000	$1463	$244
At-fault accident - greater than $2000	$1463	$249
Refusal to submit to a chemical test	$1638	$274
Racing	$1645	$279
DUI	$1666	$278
Reckless driving	$1672	$284
Driving with a suspended license	$1686	$282
Leaving scene of an accident/hit and run	$1741	$296

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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 Seaside 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 Seaside.

The cheapest car insurance premiums in Seaside are offered by Capital Insurance Group at $495 for a six-month policy. However, it can be as expensive as $2661 with companies like Nationwide.

Seaside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$495	$84
Kemper	$610	$101
Progressive	$758	$128
Travelers	$975	$164
State Farm	$1023	$172
American Family	$1145	$193
USAA	$1273	$214
Farmers	$2391	$402
Country Financial	$2430	$409
Allstate	$2458	$414
Nationwide	$2661	$453

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 Seaside are offered by Kemper at $332. However, it can be as expensive as $3108 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Seaside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$332	$56
Capital Insurance Group	$399	$68
Nationwide	$542	$90
State Farm	$636	$107
Progressive	$813	$137
American Family	$820	$138
Travelers	$988	$166
USAA	$1002	$170
Country Financial	$1043	$176
Allstate	$2485	$423
Farmers	$3108	$518

Car Insurance Price Trends in Seaside, Oregon

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

The average cost of full coverage in the Seaside rose by $227 in January compared to $219 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 Seaside remained steady at $81 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 Seaside?

The car insurance in Seaside is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Seaside?

The cheapest car insurance in Seaside is $75 per month for full coverage.

How much is car insurance in Seaside for teenagers?

Car insurance for teenagers costs $251 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 Seaside?

The average cost of car insurance is $880 for a six-month policy. It will cost around $169 per month to insure your car in Seaside.

Is car insurance expensive in Seaside?

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

What is the best car insurance in Seaside, OR?

The best car insurance company in Seaside OR is Kemper, offering $440 for a six-month policy.