Cheapest Car Insurance Quotes in Sprague River

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Sprague River Car Insurance

^$ 40

/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 Sprague River

The car insurance rate in Sprague River is $869 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Sprague River 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 Sprague River

$869

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Sprague River

1st place: Kemper

At $390 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 $618 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 $726 for six months, making it the third cheapest auto insurance company in Sprague River.

Sprague River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sprague River, OR is Kemper, offering policies at just $390 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $618.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1596 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sprague River drivers find the best deals.

Cheap Car Insurance Companies in Sprague River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$390	$67
Capital Insurance Group	$618	$103
American Family	$726	$122
Country Financial	$744	$125
Travelers	$774	$130
Progressive	$798	$134
Encompass	$816	$138
State Farm	$834	$140
Nationwide	$846	$142
USAA	$846	$142
Mutual of Enumclaw	$1122	$191
Farmers	$1188	$200
Allstate	$1596	$269

Key Takeaways

Way's key takeaways about car insurance in Sprague River

The auto insurance costs in Sprague River fall around $390 for six months.
The cheapest auto insurance company in Sprague River is Kemper.
Teen drivers pay the highest rate in Sprague River at $945 per month.

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Cheapest Minimum Liability Car Insurance in Sprague River

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 Sprague River are given below.

Kemper provides the cheapest minimum car insurance coverage in Sprague River. Their Average 6 Month Premium is $240. Allstate is the most expensive at $870 for the same period.

Cheapest Liability Coverage in Sprague River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$240	$40
Capital Insurance Group	$318	$55
State Farm	$342	$58
USAA	$354	$60
Progressive	$372	$63
Travelers	$372	$63
Country Financial	$378	$64
American Family	$414	$70
California Casualty	$456	$76
Nationwide	$480	$81
Farmers	$642	$108
Allstate	$870	$146

Cheapest Full Coverage Car Insurance in Sprague River

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 Sprague River is Kemper at $67 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sprague River, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$390	$67
Capital Insurance Group	$618	$103
American Family	$726	$122
Country Financial	$744	$125
Travelers	$774	$130
Progressive	$798	$134
Encompass	$816	$138
State Farm	$834	$140
Nationwide	$846	$142
USAA	$846	$142
Mutual of Enumclaw	$1122	$191
Farmers	$1188	$200
Allstate	$1596	$269

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Average Car Insurance in Sprague River 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 Sprague River, OR increasing?

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

Car Insurance Premiums by Age in Sprague River

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	$644
30s	USAA	$525
40s	USAA	$487
50s	USAA	$468
60s	USAA	$487
70s	USAA	$592

Cheapest Car Insurance Rates for Teen Drivers in Sprague River,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sprague River at $37 per month. At $5616 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$222	$37
Capital Insurance Group	$378	$63
Country Financial	$1002	$169
Travelers	$1326	$223
USAA	$1404	$236
State Farm	$1494	$251
American Family	$2046	$344
Progressive	$2316	$390
Nationwide	$3918	$667
Farmers	$5573	$938
Allstate	$5616	$945

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 Sprague River.

As young drivers face the highest rates in Sprague River, USAA offers the cheapest auto insurance rates at $644 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 Sprague River, Kemper is the cheapest car insurance provider. At $402 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 Sprague River is State Farm, offering rates of around $3065 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$402	$67
Capital Insurance Group	$468	$80
Nationwide	$582	$97
Country Financial	$936	$158
Progressive	$966	$163
American Family	$1146	$193
Travelers	$1248	$210
USAA	$1590	$271
Allstate	$2736	$456
Farmers	$2784	$474
State Farm	$3065	$511

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Car Insurance Rates with An Accident in Sprague River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sprague River

The cheapest car insurance companies after an at-fault accident in Sprague River include Kemper and Capital Insurance Group, offering $318 and $378, respectively. Allstate is an expensive provider with an average six-month premium of $2502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$53
Capital Insurance Group	$378	$65
Capital	$426	$71
Encompass	$474	$81
State Farm	$630	$106
Travelers	$732	$123
USAA	$750	$126
Country Financial	$822	$138
Progressive	$870	$146
Nationwide	$960	$162
American Family	$1020	$172
Farmers	$1986	$334
Allstate	$2502	$421

Sprague River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sprague River OR. For example, the car insurance in Sprague River after a DUI increases to $630 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Sprague River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$846	$141
One Med/PIP claim	$846	$143
Not-at-fault accident	$876	$146
One comp claim	$894	$152
Two Med/PIP claims	$906	$150
Failure to wear a seat belt	$966	$165
Two comp claims	$990	$165
Child safety restraint	$1002	$171
Failure to show documents	$1002	$167
Driving without lights	$1008	$172
Driving with expired registration	$1032	$172
Speeding 11 - 15 MPH over limit	$1074	$183
Speeding 16 - 20 MPH over limit	$1074	$179
Speeding 6 - 10 MPH over limit	$1074	$183
Cell phone violation	$1080	$180
Driving too slowly	$1080	$184
Failure to yield	$1080	$180
Following too closely	$1080	$184
Illegal turn	$1080	$180
Texting while driving	$1080	$184
Wrong way/wrong lane	$1080	$180
Failure to stop at a red light	$1086	$185
Improper passing	$1086	$181
Passing school bus	$1128	$192
Speeding in school zone	$1128	$188
In 65 MPH zone	$1146	$195
Speeding 21 - 25 MPH over limit	$1151	$192
Open container	$1188	$202
At-fault accident - less than $1000	$1218	$203
Operating a vehicle without permission	$1224	$208
At-fault accident - $1000-$2000	$1296	$216
At-fault accident - greater than $2000	$1296	$220
Refusal to submit to a chemical test	$1451	$242
Racing	$1457	$247
DUI	$1476	$246
Reckless driving	$1482	$251
Driving with a suspended license	$1494	$249
Leaving scene of an accident/hit and run	$1542	$263

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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 Sprague River 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 Sprague River.

The cheapest car insurance premiums in Sprague River are offered by Capital Insurance Group at $438 for a six-month policy. However, it can be as expensive as $2357 with companies like Nationwide.

Sprague River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$438	$75
Kemper	$540	$90
Progressive	$684	$115
State Farm	$870	$146
Travelers	$876	$147
American Family	$1092	$184
USAA	$1188	$200
Country Financial	$1374	$231
Farmers	$1914	$322
Allstate	$2034	$342
Nationwide	$2357	$401

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 Sprague River are offered by Kemper at $294. However, it can be as expensive as $2334 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sprague River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$294	$49
Capital Insurance Group	$354	$61
Nationwide	$480	$80
State Farm	$516	$87
Country Financial	$755	$127
Progressive	$755	$127
American Family	$774	$130
Travelers	$894	$150
USAA	$894	$149
Allstate	$1955	$332
Farmers	$2334	$389

Car Insurance Price Trends in Sprague River, Oregon

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

The average cost of full coverage in the Sprague River rose by $194 in December compared to $191 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 Sprague River rose to $72 in December, compared to $70 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 Sprague River?

The car insurance in Sprague River is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Sprague River?

The cheapest car insurance in Sprague River is $67 per month for full coverage.

How much is car insurance in Sprague River for teenagers?

Car insurance for teenagers costs $222 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 Sprague River?

The average cost of car insurance is $860 for a six-month policy. It will cost around $146 per month to insure your car in Sprague River.

Is car insurance expensive in Sprague River?

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

What is the best car insurance in Sprague River, OR?

The best car insurance company in Sprague River OR is Kemper, offering $390 for a six-month policy.