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Finding the cheapest car insurance quotes in Welches 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.
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 Welches
The car insurance rate in Welches is $1023 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Welches 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.
At $459 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 $728 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 $856
for six months, making it
the third cheapest auto insurance company in Welches.
Welches Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Welches, OR is Kemper, offering policies at just $459 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $728.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1880 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Welches drivers find the best deals.
Way's key takeaways about car insurance in Welches
The auto insurance costs in Welches fall around $459 for six
months.
The cheapest auto insurance company in Welches is Kemper.
Teen drivers pay the highest rate in Welches at $1114 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 Welches
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 Welches are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Welches. Their Average 6 Month Premium is $283.
Allstate is the most
expensive at $1025 for the same
period.
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 Welches is Kemper
at $79 per month and $459
for six months.
Cheapest Full Coverage Car Insurance Quotes in Welches,
OR
Get Your Car Insurance Quote in Welches
Instantly!
Average Car Insurance in Welches 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 Welches, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Welches, 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, Welches's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Welches
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
$759
30s
USAA
$619
40s
USAA
$574
50s
USAA
$551
60s
USAA
$574
70s
USAA
$697
Cheapest Car Insurance Rates for Teen Drivers in
Welches,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Welches at $44
per
month. At $6616 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Welches.
As young drivers face the highest rates in Welches, USAA
offers the cheapest auto insurance rates at $759 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 Welches,
Kemper is
the cheapest car insurance provider. At $474 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
Welches is State Farm, offering
rates of around $3612 for six
months.
Save up to $971/yr on car insurance rates in Welches.
Car Insurance Rates with An Accident in Welches
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 Welches, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Welches
The cheapest car insurance companies after an at-fault accident in
Welches include Kemper
and Capital Insurance Group, offering $375
and $445,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2948.
Here is a list of driving violations that can increase your car
insurance rates in Welches OR. For example, the car
insurance in Welches
after a DUI increases to $742 for a six
month policy. While the rate increases by $268 for a six-month policy in the case of
a speeding ticket.
Welches auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$997
$167
One Med/PIP claim
$997
$169
Not-at-fault accident
$1032
$173
One comp claim
$1053
$179
Two Med/PIP claims
$1067
$177
Failure to wear a seat belt
$1138
$194
Two comp claims
$1166
$194
Child safety restraint
$1180
$201
Failure to show documents
$1180
$196
Driving without lights
$1188
$202
Driving with expired registration
$1216
$202
Speeding 11 - 15 MPH over limit
$1265
$215
Speeding 16 - 20 MPH over limit
$1265
$211
Speeding 6 - 10 MPH over limit
$1265
$215
Cell phone violation
$1272
$212
Driving too slowly
$1272
$217
Failure to yield
$1272
$212
Following too closely
$1272
$217
Illegal turn
$1272
$212
Texting while driving
$1272
$217
Wrong way/wrong lane
$1272
$212
Failure to stop at a red light
$1279
$218
Improper passing
$1279
$213
Passing school bus
$1329
$226
Speeding in school zone
$1329
$221
In 65 MPH zone
$1351
$230
Speeding 21 - 25 MPH over limit
$1357
$226
Open container
$1399
$238
At-fault accident - less than $1000
$1435
$239
Operating a vehicle without permission
$1442
$245
At-fault accident - $1000-$2000
$1527
$255
At-fault accident - greater than $2000
$1527
$259
Refusal to submit to a chemical test
$1710
$286
Racing
$1717
$292
DUI
$1739
$290
Reckless driving
$1746
$296
Driving with a suspended license
$1760
$294
Leaving scene of an accident/hit and run
$1817
$309
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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 Welches 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 Welches.
The cheapest car insurance premiums in
Welches are
offered by Capital Insurance Group at $516 for a six-month policy.
However, it can be as
expensive as $2777 with companies
like Nationwide.
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 Welches are offered by Kemper
at $346. However,
it can be as expensive as $2750
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Welches after Speeding ticket
Car insurance rates in Welches have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Welches rose by
$228 in December
compared to $225 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 Welches rose to $84 in December,
compared to $82 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Welches. At $2046 for a
six-month policy, insuring
your car at 97067 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Welches?
The car insurance in Welches is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Welches?
The cheapest car insurance in Welches
is $79 per month
for full coverage.
How much is car insurance in Welches for teenagers?
Car insurance for teenagers costs $262 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
Welches?
The average cost of car insurance is $860 for a six-month
policy. It will cost around $173 per month to insure your
car in Welches.
Is car insurance expensive in Welches?
Car insurance can be expensive in Welches if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Welches can be
affordable.
What is the best car insurance in Welches,
OR?
The best car insurance company in Welches
OR is
Kemper, offering $459 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Welches, OR
Car Insurance Rates by State in the USA (2025 Update)
Welches Car Insurance
