Cheapest Car Insurance Quotes in West Haven-Sylvan

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West Haven-Sylvan Car Insurance

^$ 51

/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 West Haven-Sylvan

The car insurance rate in West Haven-Sylvan is $1126 for a six-month policy, which is $246 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $494, making it a popular choice for budget-conscious drivers. Rates in West Haven-Sylvan 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 West Haven-Sylvan

$1126

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in West Haven-Sylvan

1st place: Kemper

At $494 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 $783 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 $867 for six months, making it the third cheapest auto insurance company in West Haven-Sylvan.

West Haven-Sylvan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Haven-Sylvan, OR is Kemper, offering policies at just $494 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $783.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2144 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Haven-Sylvan drivers find the best deals.

Cheap Car Insurance Companies in West Haven-Sylvan, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$494	$84
Capital Insurance Group	$783	$131
American Family	$867	$146
Travelers	$973	$164
Progressive	$996	$168
Encompass	$1034	$173
USAA	$1065	$179
Nationwide	$1073	$180
State Farm	$1079	$182
Country Financial	$1102	$186
Mutual of Enumclaw	$1422	$242
Farmers	$1627	$274
Allstate	$2144	$361

Key Takeaways

Way's key takeaways about car insurance in West Haven-Sylvan

The auto insurance costs in West Haven-Sylvan fall around $494 for six months.
The cheapest auto insurance company in West Haven-Sylvan is Kemper.
Teen drivers pay the highest rate in West Haven-Sylvan at $1293 per month.

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Cheapest Minimum Liability Car Insurance in West Haven-Sylvan

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 West Haven-Sylvan are given below.

Kemper provides the cheapest minimum car insurance coverage in West Haven-Sylvan. Their Average 6 Month Premium is $305. Allstate is the most expensive at $1133 for the same period.

Cheapest Liability Coverage in West Haven-Sylvan, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$305	$51
Capital Insurance Group	$403	$69
State Farm	$434	$73
USAA	$434	$73
American Family	$456	$77
Travelers	$456	$77
Progressive	$463	$78
Country Financial	$540	$91
California Casualty	$577	$96
Nationwide	$608	$102
Farmers	$844	$142
Allstate	$1133	$191

Cheapest Full Coverage Car Insurance in West Haven-Sylvan

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 West Haven-Sylvan is Kemper at $84 per month and $494 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Haven-Sylvan, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$494	$84
Capital Insurance Group	$783	$131
American Family	$867	$146
Travelers	$973	$164
Progressive	$996	$168
Encompass	$1034	$173
USAA	$1065	$179
Nationwide	$1073	$180
State Farm	$1079	$182
Country Financial	$1102	$186
Mutual of Enumclaw	$1422	$242
Farmers	$1627	$274
Allstate	$2144	$361

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Average Car Insurance in West Haven-Sylvan 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 West Haven-Sylvan, OR increasing?

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

Car Insurance Premiums by Age in West Haven-Sylvan

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	$735
30s	USAA	$599
40s	USAA	$556
50s	USAA	$534
60s	USAA	$556
70s	USAA	$676

Cheapest Car Insurance Rates for Teen Drivers in West Haven-Sylvan,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Haven-Sylvan at $47 per month. At $7679 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$282	$47
Capital Insurance Group	$479	$79
Country Financial	$1582	$266
USAA	$1681	$283
Travelers	$1704	$287
State Farm	$2015	$339
American Family	$2486	$419
Progressive	$2600	$438
Nationwide	$4965	$845
Allstate	$7679	$1293
Farmers	$7679	$1293

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 West Haven-Sylvan.

As young drivers face the highest rates in West Haven-Sylvan, USAA offers the cheapest auto insurance rates at $735 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 West Haven-Sylvan, Kemper is the cheapest car insurance provider. At $509 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 West Haven-Sylvan is State Farm, offering rates of around $5185 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$509	$84
Capital Insurance Group	$593	$101
Nationwide	$737	$123
Progressive	$1094	$184
American Family	$1331	$224
Country Financial	$1459	$246
Travelers	$1536	$259
USAA	$1916	$326
Allstate	$3900	$650
Farmers	$4143	$704
State Farm	$5185	$864

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Car Insurance Rates with An Accident in West Haven-Sylvan

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 West Haven-Sylvan, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Haven-Sylvan

The cheapest car insurance companies after an at-fault accident in West Haven-Sylvan include Kemper and Capital Insurance Group, offering $403 and $479, respectively. Allstate is an expensive provider with an average six-month premium of $3391.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$403	$67
Capital Insurance Group	$479	$82
Capital	$540	$90
Encompass	$600	$102
State Farm	$822	$138
Travelers	$913	$154
USAA	$965	$163
Progressive	$1079	$182
American Family	$1216	$205
Nationwide	$1216	$205
Country Financial	$1277	$215
Farmers	$2790	$470
Allstate	$3391	$571

West Haven-Sylvan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Haven-Sylvan OR. For example, the car insurance in West Haven-Sylvan after a DUI increases to $797 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

West Haven-Sylvan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1073	$179
One Med/PIP claim	$1073	$182
Not-at-fault accident	$1110	$186
One comp claim	$1133	$192
Two Med/PIP claims	$1148	$191
Failure to wear a seat belt	$1224	$209
Two comp claims	$1254	$209
Child safety restraint	$1270	$216
Failure to show documents	$1270	$211
Driving without lights	$1277	$218
Driving with expired registration	$1308	$218
Speeding 11 - 15 MPH over limit	$1361	$232
Speeding 16 - 20 MPH over limit	$1361	$227
Speeding 6 - 10 MPH over limit	$1361	$232
Cell phone violation	$1368	$228
Driving too slowly	$1368	$233
Failure to yield	$1368	$228
Following too closely	$1368	$233
Illegal turn	$1368	$228
Texting while driving	$1368	$233
Wrong way/wrong lane	$1368	$228
Failure to stop at a red light	$1376	$234
Improper passing	$1376	$229
Passing school bus	$1430	$243
Speeding in school zone	$1430	$238
In 65 MPH zone	$1453	$247
Speeding 21 - 25 MPH over limit	$1459	$243
Open container	$1505	$256
At-fault accident - less than $1000	$1544	$257
Operating a vehicle without permission	$1551	$264
At-fault accident - $1000-$2000	$1642	$274
At-fault accident - greater than $2000	$1642	$279
Refusal to submit to a chemical test	$1839	$307
Racing	$1847	$314
DUI	$1870	$312
Reckless driving	$1878	$319
Driving with a suspended license	$1893	$316
Leaving scene of an accident/hit and run	$1955	$333

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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 West Haven-Sylvan 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 West Haven-Sylvan.

The cheapest car insurance premiums in West Haven-Sylvan are offered by Capital Insurance Group at $556 for a six-month policy. However, it can be as expensive as $2988 with companies like Nationwide.

West Haven-Sylvan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$556	$95
Kemper	$685	$114
Progressive	$851	$143
Travelers	$1094	$184
State Farm	$1148	$193
American Family	$1285	$216
USAA	$1430	$241
Farmers	$2684	$452
Country Financial	$2729	$460
Allstate	$2760	$465
Nationwide	$2988	$508

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 West Haven-Sylvan are offered by Kemper at $372. However, it can be as expensive as $3489 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Haven-Sylvan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$63
Capital Insurance Group	$448	$77
Nationwide	$608	$101
State Farm	$714	$120
Progressive	$913	$154
American Family	$920	$155
Travelers	$1110	$187
USAA	$1125	$191
Country Financial	$1171	$197
Allstate	$2790	$475
Farmers	$3489	$581

Car Insurance Price Trends in West Haven-Sylvan, Oregon

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

The average cost of full coverage in the West Haven-Sylvan rose by $255 in January compared to $246 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the West Haven-Sylvan remained steady at $91 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in West Haven-Sylvan?

The car insurance in West Haven-Sylvan is $51 per month, which is lower than the national average.

What is the cheapest car insurance in West Haven-Sylvan?

The cheapest car insurance in West Haven-Sylvan is $84 per month for full coverage.

How much is car insurance in West Haven-Sylvan for teenagers?

Car insurance for teenagers costs $282 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 West Haven-Sylvan?

The average cost of car insurance is $880 for a six-month policy. It will cost around $189 per month to insure your car in West Haven-Sylvan.

Is car insurance expensive in West Haven-Sylvan?

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

What is the best car insurance in West Haven-Sylvan, OR?

The best car insurance company in West Haven-Sylvan OR is Kemper, offering $494 for a six-month policy.