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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 $1197 for a six-month policy, which is $317 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $525, 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 $525 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 $832 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 $921
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 $525 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $832.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2278 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 $525 for six
months.
The cheapest auto insurance company in Welches is Kemper.
Teen drivers pay the highest rate in Welches at $1374 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 $324.
Allstate is the most
expensive at $1204 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 $90 per month and $525
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
$781
30s
USAA
$636
40s
USAA
$590
50s
USAA
$567
60s
USAA
$590
70s
USAA
$718
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 $50
per
month. At $8159 for a six-month premium,
Farmers 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 $781 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 $541 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 $5509 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 $428
and $509,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3603.
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 $847 for a six
month policy. While the rate increases by $306 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
$1140
$190
One Med/PIP claim
$1140
$193
Not-at-fault accident
$1179
$197
One comp claim
$1204
$204
Two Med/PIP claims
$1220
$203
Failure to wear a seat belt
$1300
$222
Two comp claims
$1333
$222
Child safety restraint
$1349
$230
Failure to show documents
$1349
$224
Driving without lights
$1357
$231
Driving with expired registration
$1390
$231
Speeding 11 - 15 MPH over limit
$1446
$246
Speeding 16 - 20 MPH over limit
$1446
$241
Speeding 6 - 10 MPH over limit
$1446
$246
Cell phone violation
$1454
$242
Driving too slowly
$1454
$248
Failure to yield
$1454
$242
Following too closely
$1454
$248
Illegal turn
$1454
$242
Texting while driving
$1454
$248
Wrong way/wrong lane
$1454
$242
Failure to stop at a red light
$1462
$249
Improper passing
$1462
$243
Passing school bus
$1519
$258
Speeding in school zone
$1519
$253
In 65 MPH zone
$1544
$262
Speeding 21 - 25 MPH over limit
$1550
$258
Open container
$1599
$272
At-fault accident - less than $1000
$1640
$273
Operating a vehicle without permission
$1648
$280
At-fault accident - $1000-$2000
$1745
$291
At-fault accident - greater than $2000
$1745
$296
Refusal to submit to a chemical test
$1954
$326
Racing
$1962
$333
DUI
$1987
$332
Reckless driving
$1995
$339
Driving with a suspended license
$2011
$336
Leaving scene of an accident/hit and run
$2077
$354
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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 $590 for a six-month policy.
However, it can be as
expensive as $3174 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 $396. However,
it can be as expensive as $3707
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
$271 in January
compared to $261 of December. In other words, there has been an increase by $10 when you
compare January and December.
The average cost of liability insurance in the Welches remained steady at $97 in both January and December, indicating no change over the two month period.
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 $2393 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 $54 per month, which is lower than the national average.
What is the cheapest car insurance in Welches?
The cheapest car insurance in Welches
is $90 per month
for full coverage.
How much is car insurance in Welches for teenagers?
Car insurance for teenagers costs $299 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 $880 for a six-month
policy. It will cost around $201 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 $525 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
