Cheapest Car Insurance Quotes in Troutdale

Finding the cheapest car insurance quotes in Troutdale 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Troutdale Car Insurance

^$ 58

/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 $1285 for a six-month policy, which is $405 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, 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

$1285

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Troutdale

1st place: Kemper

At $564 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 $894 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 $988 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 $564 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $894.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2446 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	$564	$96
Capital Insurance Group	$894	$149
American Family	$988	$166
Travelers	$1110	$187
Progressive	$1136	$191
Encompass	$1180	$197
USAA	$1215	$204
Nationwide	$1223	$206
State Farm	$1231	$207
Country Financial	$1257	$212
Mutual of Enumclaw	$1622	$276
Farmers	$1856	$312
Allstate	$2446	$412

Key Takeaways

Way's key takeaways about car insurance in Troutdale

The auto insurance costs in Troutdale fall around $564 for six months.
The cheapest auto insurance company in Troutdale is Kemper.
Teen drivers pay the highest rate in Troutdale at $1475 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 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 $347. Allstate is the most expensive at $1292 for the same period.

Cheapest Liability Coverage in Troutdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$58
Capital Insurance Group	$460	$79
State Farm	$495	$83
USAA	$495	$83
American Family	$520	$88
Travelers	$520	$88
Progressive	$529	$89
Country Financial	$616	$104
California Casualty	$658	$110
Nationwide	$694	$117
Farmers	$962	$162
Allstate	$1292	$218

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 $96 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in Troutdale, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$564	$96
Capital Insurance Group	$894	$149
American Family	$988	$166
Travelers	$1110	$187
Progressive	$1136	$191
Encompass	$1180	$197
USAA	$1215	$204
Nationwide	$1223	$206
State Farm	$1231	$207
Country Financial	$1257	$212
Mutual of Enumclaw	$1622	$276
Farmers	$1856	$312
Allstate	$2446	$412

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Troutdale Instantly!

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	$838
30s	USAA	$683
40s	USAA	$634
50s	USAA	$609
60s	USAA	$634
70s	USAA	$771

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 $54 per month. At $8759 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$321	$54
Capital Insurance Group	$546	$91
Country Financial	$1805	$304
USAA	$1917	$323
Travelers	$1943	$327
State Farm	$2298	$387
American Family	$2835	$477
Progressive	$2965	$499
Nationwide	$5663	$964
Allstate	$8759	$1475
Farmers	$8759	$1475

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 $838 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 $581 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 $5914 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$581	$96
Capital Insurance Group	$676	$115
Nationwide	$841	$140
Progressive	$1248	$210
American Family	$1518	$256
Country Financial	$1664	$280
Travelers	$1752	$295
USAA	$2186	$372
Allstate	$4449	$742
Farmers	$4726	$803
State Farm	$5914	$986

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Troutdale.

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 $460 and $546, respectively. Allstate is an expensive provider with an average six-month premium of $3868.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$460	$76
Capital Insurance Group	$546	$93
Capital	$616	$102
Encompass	$685	$117
State Farm	$937	$158
Travelers	$1041	$175
USAA	$1101	$185
Progressive	$1231	$207
American Family	$1387	$234
Nationwide	$1387	$234
Country Financial	$1457	$245
Farmers	$3183	$536
Allstate	$3868	$651

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 $910 for a six month policy. While the rate increases by $329 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	$1223	$204
One Med/PIP claim	$1223	$207
Not-at-fault accident	$1266	$212
One comp claim	$1292	$219
Two Med/PIP claims	$1310	$218
Failure to wear a seat belt	$1396	$238
Two comp claims	$1431	$238
Child safety restraint	$1448	$247
Failure to show documents	$1448	$241
Driving without lights	$1457	$248
Driving with expired registration	$1492	$248
Speeding 11 - 15 MPH over limit	$1552	$264
Speeding 16 - 20 MPH over limit	$1552	$258
Speeding 6 - 10 MPH over limit	$1552	$264
Cell phone violation	$1561	$260
Driving too slowly	$1561	$266
Failure to yield	$1561	$260
Following too closely	$1561	$266
Illegal turn	$1561	$260
Texting while driving	$1561	$266
Wrong way/wrong lane	$1561	$260
Failure to stop at a red light	$1570	$267
Improper passing	$1570	$261
Passing school bus	$1631	$277
Speeding in school zone	$1631	$272
In 65 MPH zone	$1657	$282
Speeding 21 - 25 MPH over limit	$1664	$277
Open container	$1717	$292
At-fault accident - less than $1000	$1761	$293
Operating a vehicle without permission	$1770	$301
At-fault accident - $1000-$2000	$1873	$312
At-fault accident - greater than $2000	$1873	$318
Refusal to submit to a chemical test	$2098	$350
Racing	$2107	$358
DUI	$2133	$356
Reckless driving	$2142	$364
Driving with a suspended license	$2159	$361
Leaving scene of an accident/hit and run	$2229	$380

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 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 $634 for a six-month policy. However, it can be as expensive as $3408 with companies like Nationwide.

Troutdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$634	$108
Kemper	$781	$130
Progressive	$971	$164
Travelers	$1248	$210
State Farm	$1310	$220
American Family	$1466	$247
USAA	$1631	$274
Farmers	$3062	$515
Country Financial	$3113	$524
Allstate	$3148	$530
Nationwide	$3408	$580

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 $425. However, it can be as expensive as $3980 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	$425	$72
Capital Insurance Group	$511	$88
Nationwide	$694	$115
State Farm	$815	$137
Progressive	$1041	$175
American Family	$1050	$177
Travelers	$1266	$213
USAA	$1283	$218
Country Financial	$1336	$225
Allstate	$3183	$542
Farmers	$3980	$663

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 $291 in January compared to $280 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Troutdale remained steady at $104 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Troutdale?

The car insurance in Troutdale is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Troutdale?

The cheapest car insurance in Troutdale is $96 per month for full coverage.

How much is car insurance in Troutdale for teenagers?

Car insurance for teenagers costs $321 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 $880 for a six-month policy. It will cost around $216 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 $564 for a six-month policy.