Cheapest Car Insurance Quotes in Silverton

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Silverton Car Insurance

^$ 42

/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 Silverton

The car insurance rate in Silverton is $912 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in Silverton 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 Silverton

$912

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Silverton

1st place: Kemper

At $409 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 $649 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 $762 for six months, making it the third cheapest auto insurance company in Silverton.

Silverton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Silverton, OR is Kemper, offering policies at just $409 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $649.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1675 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Silverton drivers find the best deals.

Cheap Car Insurance Companies in Silverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$409	$70
Capital Insurance Group	$649	$108
American Family	$762	$128
Country Financial	$781	$131
Travelers	$812	$137
Progressive	$837	$141
Encompass	$856	$145
State Farm	$876	$147
Nationwide	$888	$149
USAA	$888	$149
Mutual of Enumclaw	$1178	$200
Farmers	$1247	$210
Allstate	$1675	$282

Key Takeaways

Way's key takeaways about car insurance in Silverton

The auto insurance costs in Silverton fall around $409 for six months.
The cheapest auto insurance company in Silverton is Kemper.
Teen drivers pay the highest rate in Silverton at $992 per month.

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Cheapest Minimum Liability Car Insurance in Silverton

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 Silverton are given below.

Kemper provides the cheapest minimum car insurance coverage in Silverton. Their Average 6 Month Premium is $252. Allstate is the most expensive at $913 for the same period.

Cheapest Liability Coverage in Silverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$252	$42
Capital Insurance Group	$334	$57
State Farm	$359	$60
USAA	$371	$63
Progressive	$390	$66
Travelers	$390	$66
Country Financial	$396	$67
American Family	$435	$73
California Casualty	$478	$80
Nationwide	$504	$85
Farmers	$674	$113
Allstate	$913	$154

Cheapest Full Coverage Car Insurance in Silverton

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 Silverton is Kemper at $70 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in Silverton, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$409	$70
Capital Insurance Group	$649	$108
American Family	$762	$128
Country Financial	$781	$131
Travelers	$812	$137
Progressive	$837	$141
Encompass	$856	$145
State Farm	$876	$147
Nationwide	$888	$149
USAA	$888	$149
Mutual of Enumclaw	$1178	$200
Farmers	$1247	$210
Allstate	$1675	$282

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Average Car Insurance in Silverton 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 Silverton, OR increasing?

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

Car Insurance Premiums by Age in Silverton

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	$676
30s	USAA	$551
40s	USAA	$511
50s	USAA	$491
60s	USAA	$511
70s	USAA	$621

Cheapest Car Insurance Rates for Teen Drivers in Silverton,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Silverton at $39 per month. At $5894 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$233	$39
Capital Insurance Group	$396	$66
Country Financial	$1052	$177
Travelers	$1392	$234
USAA	$1473	$248
State Farm	$1568	$264
American Family	$2148	$361
Progressive	$2431	$409
Nationwide	$4112	$700
Farmers	$5849	$985
Allstate	$5894	$992

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 Silverton.

As young drivers face the highest rates in Silverton, USAA offers the cheapest auto insurance rates at $676 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 Silverton, Kemper is the cheapest car insurance provider. At $422 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 Silverton is State Farm, offering rates of around $3217 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$422	$70
Capital Insurance Group	$491	$84
Nationwide	$611	$102
Country Financial	$983	$165
Progressive	$1013	$171
American Family	$1203	$202
Travelers	$1310	$220
USAA	$1668	$284
Allstate	$2872	$478
Farmers	$2921	$497
State Farm	$3217	$536

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Car Insurance Rates with An Accident in Silverton

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

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

The cheapest car insurance companies after an at-fault accident in Silverton include Kemper and Capital Insurance Group, offering $334 and $396, respectively. Allstate is an expensive provider with an average six-month premium of $2626.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$334	$55
Capital Insurance Group	$396	$68
Capital	$447	$74
Encompass	$497	$85
State Farm	$661	$111
Travelers	$769	$129
USAA	$788	$133
Country Financial	$863	$145
Progressive	$913	$154
Nationwide	$1007	$170
American Family	$1071	$180
Farmers	$2084	$351
Allstate	$2626	$442

Silverton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Silverton OR. For example, the car insurance in Silverton after a DUI increases to $661 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Silverton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$888	$148
One Med/PIP claim	$888	$151
Not-at-fault accident	$919	$154
One comp claim	$938	$159
Two Med/PIP claims	$951	$158
Failure to wear a seat belt	$1013	$173
Two comp claims	$1039	$173
Child safety restraint	$1052	$179
Failure to show documents	$1052	$175
Driving without lights	$1058	$180
Driving with expired registration	$1083	$180
Speeding 11 - 15 MPH over limit	$1127	$192
Speeding 16 - 20 MPH over limit	$1127	$188
Speeding 6 - 10 MPH over limit	$1127	$192
Cell phone violation	$1133	$189
Driving too slowly	$1133	$193
Failure to yield	$1133	$189
Following too closely	$1133	$193
Illegal turn	$1133	$189
Texting while driving	$1133	$193
Wrong way/wrong lane	$1133	$189
Failure to stop at a red light	$1140	$194
Improper passing	$1140	$190
Passing school bus	$1184	$201
Speeding in school zone	$1184	$197
In 65 MPH zone	$1203	$205
Speeding 21 - 25 MPH over limit	$1208	$201
Open container	$1247	$212
At-fault accident - less than $1000	$1278	$213
Operating a vehicle without permission	$1285	$218
At-fault accident - $1000-$2000	$1360	$227
At-fault accident - greater than $2000	$1360	$231
Refusal to submit to a chemical test	$1523	$254
Racing	$1530	$260
DUI	$1549	$259
Reckless driving	$1555	$264
Driving with a suspended license	$1568	$262
Leaving scene of an accident/hit and run	$1619	$276

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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 Silverton 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 Silverton.

The cheapest car insurance premiums in Silverton are offered by Capital Insurance Group at $460 for a six-month policy. However, it can be as expensive as $2474 with companies like Nationwide.

Silverton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$460	$78
Kemper	$567	$94
Progressive	$718	$121
State Farm	$913	$154
Travelers	$919	$155
American Family	$1146	$193
USAA	$1247	$210
Country Financial	$1442	$243
Farmers	$2009	$338
Allstate	$2135	$359
Nationwide	$2474	$421

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 Silverton are offered by Kemper at $308. However, it can be as expensive as $2450 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Silverton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$308	$52
Capital Insurance Group	$371	$64
Nationwide	$504	$84
State Farm	$542	$91
Country Financial	$793	$134
Progressive	$793	$134
American Family	$812	$137
Travelers	$938	$158
USAA	$938	$157
Allstate	$2052	$349
Farmers	$2450	$408

Car Insurance Price Trends in Silverton, Oregon

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

The average cost of full coverage in the Silverton rose by $204 in December compared to $200 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Silverton rose to $75 in December, compared to $73 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Silverton?

The car insurance in Silverton is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Silverton?

The cheapest car insurance in Silverton is $70 per month for full coverage.

How much is car insurance in Silverton for teenagers?

Car insurance for teenagers costs $233 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 Silverton?

The average cost of car insurance is $860 for a six-month policy. It will cost around $154 per month to insure your car in Silverton.

Is car insurance expensive in Silverton?

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

What is the best car insurance in Silverton, OR?

The best car insurance company in Silverton OR is Kemper, offering $409 for a six-month policy.