Cheapest Car Insurance Quotes in Troutdale

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Troutdale Car Insurance

^$ 52

/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 Troutdale

The car insurance rate in Troutdale is $1109 for a six-month policy, which is $249 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $498, making it a popular choice for budget-conscious drivers. Rates in Troutdale 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 Troutdale

$1109

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Troutdale

1st place: Kemper

At $498 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 $789 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 $928 for six months, making it the third cheapest auto insurance company in Troutdale.

Troutdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Troutdale, OR is Kemper, offering policies at just $498 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $789.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2038 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Troutdale drivers find the best deals.

Cheap Car Insurance Companies in Troutdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$85
Capital Insurance Group	$789	$132
American Family	$928	$156
Country Financial	$951	$160
Travelers	$988	$166
Progressive	$1019	$172
Encompass	$1042	$177
State Farm	$1066	$179
Nationwide	$1081	$182
USAA	$1081	$182
Mutual of Enumclaw	$1433	$244
Farmers	$1517	$255
Allstate	$2038	$343

Key Takeaways

Way's key takeaways about car insurance in Troutdale

The auto insurance costs in Troutdale fall around $498 for six months.
The cheapest auto insurance company in Troutdale is Kemper.
Teen drivers pay the highest rate in Troutdale at $1207 per month.

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Cheapest Minimum Liability Car Insurance in Troutdale

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 Troutdale are given below.

Kemper provides the cheapest minimum car insurance coverage in Troutdale. Their Average 6 Month Premium is $307. Allstate is the most expensive at $1111 for the same period.

Cheapest Liability Coverage in Troutdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$307	$52
Capital Insurance Group	$406	$70
State Farm	$437	$74
USAA	$452	$76
Progressive	$475	$80
Travelers	$475	$80
Country Financial	$482	$81
American Family	$529	$89
California Casualty	$582	$97
Nationwide	$613	$103
Farmers	$820	$138
Allstate	$1111	$187

Cheapest Full Coverage Car Insurance in Troutdale

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 Troutdale is Kemper at $85 per month and $498 for six months.

Cheapest Full Coverage Car Insurance Quotes in Troutdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$85
Capital Insurance Group	$789	$132
American Family	$928	$156
Country Financial	$951	$160
Travelers	$988	$166
Progressive	$1019	$172
Encompass	$1042	$177
State Farm	$1066	$179
Nationwide	$1081	$182
USAA	$1081	$182
Mutual of Enumclaw	$1433	$244
Farmers	$1517	$255
Allstate	$2038	$343

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Average Car Insurance in Troutdale 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 Troutdale, OR increasing?

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

Car Insurance Premiums by Age in Troutdale

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	$823
30s	USAA	$671
40s	USAA	$622
50s	USAA	$597
60s	USAA	$622
70s	USAA	$756

Cheapest Car Insurance Rates for Teen Drivers in Troutdale,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Troutdale at $48 per month. At $7172 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$284	$48
Capital Insurance Group	$482	$80
Country Financial	$1280	$215
Travelers	$1694	$285
USAA	$1793	$302
State Farm	$1908	$321
American Family	$2614	$440
Progressive	$2958	$498
Nationwide	$5004	$851
Farmers	$7118	$1198
Allstate	$7172	$1207

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 Troutdale.

As young drivers face the highest rates in Troutdale, USAA offers the cheapest auto insurance rates at $823 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 Troutdale, Kemper is the cheapest car insurance provider. At $513 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 Troutdale is State Farm, offering rates of around $3915 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$85
Capital Insurance Group	$597	$102
Nationwide	$743	$124
Country Financial	$1196	$201
Progressive	$1233	$208
American Family	$1464	$246
Travelers	$1594	$268
USAA	$2030	$346
Allstate	$3495	$582
Farmers	$3555	$605
State Farm	$3915	$653

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Car Insurance Rates with An Accident in Troutdale

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

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

The cheapest car insurance companies after an at-fault accident in Troutdale include Kemper and Capital Insurance Group, offering $406 and $482, respectively. Allstate is an expensive provider with an average six-month premium of $3195.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$406	$67
Capital Insurance Group	$482	$83
Capital	$544	$90
Encompass	$605	$103
State Farm	$805	$135
Travelers	$935	$157
USAA	$958	$161
Country Financial	$1050	$177
Progressive	$1111	$187
Nationwide	$1226	$206
American Family	$1303	$219
Farmers	$2536	$427
Allstate	$3195	$538

Troutdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Troutdale OR. For example, the car insurance in Troutdale after a DUI increases to $804 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Troutdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1081	$181
One Med/PIP claim	$1081	$183
Not-at-fault accident	$1118	$187
One comp claim	$1142	$194
Two Med/PIP claims	$1157	$192
Failure to wear a seat belt	$1233	$210
Two comp claims	$1264	$210
Child safety restraint	$1280	$218
Failure to show documents	$1280	$213
Driving without lights	$1287	$219
Driving with expired registration	$1318	$219
Speeding 11 - 15 MPH over limit	$1371	$233
Speeding 16 - 20 MPH over limit	$1371	$228
Speeding 6 - 10 MPH over limit	$1371	$233
Cell phone violation	$1379	$230
Driving too slowly	$1379	$235
Failure to yield	$1379	$230
Following too closely	$1379	$235
Illegal turn	$1379	$230
Texting while driving	$1379	$235
Wrong way/wrong lane	$1379	$230
Failure to stop at a red light	$1387	$236
Improper passing	$1387	$231
Passing school bus	$1441	$245
Speeding in school zone	$1441	$240
In 65 MPH zone	$1464	$249
Speeding 21 - 25 MPH over limit	$1471	$245
Open container	$1517	$258
At-fault accident - less than $1000	$1556	$259
Operating a vehicle without permission	$1563	$266
At-fault accident - $1000-$2000	$1655	$276
At-fault accident - greater than $2000	$1655	$281
Refusal to submit to a chemical test	$1854	$310
Racing	$1861	$316
DUI	$1885	$315
Reckless driving	$1892	$321
Driving with a suspended license	$1908	$319
Leaving scene of an accident/hit and run	$1970	$335

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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 Troutdale 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 Troutdale.

The cheapest car insurance premiums in Troutdale are offered by Capital Insurance Group at $560 for a six-month policy. However, it can be as expensive as $3011 with companies like Nationwide.

Troutdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$560	$95
Kemper	$690	$115
Progressive	$873	$147
State Farm	$1111	$187
Travelers	$1118	$188
American Family	$1394	$235
USAA	$1517	$255
Country Financial	$1754	$295
Farmers	$2445	$412
Allstate	$2598	$437
Nationwide	$3011	$512

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 Troutdale are offered by Kemper at $375. However, it can be as expensive as $2981 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Troutdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$63
Capital Insurance Group	$452	$77
Nationwide	$613	$102
State Farm	$659	$111
Country Financial	$965	$163
Progressive	$965	$163
American Family	$988	$166
Travelers	$1142	$192
USAA	$1142	$191
Allstate	$2497	$424
Farmers	$2981	$497

Car Insurance Price Trends in Troutdale, Oregon

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

The average cost of full coverage in the Troutdale rose by $248 in December compared to $244 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 Troutdale rose to $92 in December, compared to $89 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Troutdale?

The car insurance in Troutdale is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Troutdale?

The cheapest car insurance in Troutdale is $85 per month for full coverage.

How much is car insurance in Troutdale for teenagers?

Car insurance for teenagers costs $284 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 Troutdale?

The average cost of car insurance is $860 for a six-month policy. It will cost around $187 per month to insure your car in Troutdale.

Is car insurance expensive in Troutdale?

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

What is the best car insurance in Troutdale, OR?

The best car insurance company in Troutdale OR is Kemper, offering $498 for a six-month policy.