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Finding the cheapest car insurance quotes in Wilbur 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 Wilbur
The car insurance rate in Wilbur is $1003 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Wilbur 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 $440 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 $698 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 $772
for six months, making it
the third cheapest auto insurance company in Wilbur.
Wilbur Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wilbur, OR is Kemper, offering policies at just $440 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $698.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1909 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilbur drivers find the best deals.
The auto insurance costs in Wilbur fall around $440 for six
months.
The cheapest auto insurance company in Wilbur is Kemper.
Teen drivers pay the highest rate in Wilbur at $1151 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 Wilbur
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 Wilbur are given below.
Kemper provides
the cheapest minimum car insurance
coverage in Wilbur. Their Average 6 Month Premium is $271.
Allstate is the most
expensive at $1009 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 Wilbur is Kemper
at $75 per month and $440
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wilbur,
OR
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 Wilbur, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wilbur, 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, Wilbur's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wilbur
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
$654
30s
USAA
$534
40s
USAA
$495
50s
USAA
$475
60s
USAA
$495
70s
USAA
$602
Cheapest Car Insurance Rates for Teen Drivers in
Wilbur,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Wilbur at $42
per
month. At $6839 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 Wilbur.
As young drivers face the highest rates in Wilbur, USAA
offers the cheapest auto insurance rates at $654 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 Wilbur,
Kemper is
the cheapest car insurance provider. At $454 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
Wilbur is State Farm, offering
rates of around $4618 for six
months.
Save up to $971/yr on car insurance rates in Wilbur.
Car Insurance Rates with An Accident in Wilbur
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 Wilbur, OR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wilbur
The cheapest car insurance companies after an at-fault accident in
Wilbur include Kemper
and Capital Insurance Group, offering $359
and $426,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3020.
Here is a list of driving violations that can increase your car
insurance rates in Wilbur OR. For example, the car
insurance in Wilbur
after a DUI increases to $711 for a six
month policy. While the rate increases by $257 for a six-month policy in the case of
a speeding ticket.
Wilbur auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$955
$160
One Med/PIP claim
$955
$162
Not-at-fault accident
$988
$165
One comp claim
$1009
$171
Two Med/PIP claims
$1023
$170
Failure to wear a seat belt
$1090
$186
Two comp claims
$1117
$186
Child safety restraint
$1131
$193
Failure to show documents
$1131
$188
Driving without lights
$1138
$194
Driving with expired registration
$1165
$194
Speeding 11 - 15 MPH over limit
$1212
$206
Speeding 16 - 20 MPH over limit
$1212
$202
Speeding 6 - 10 MPH over limit
$1212
$206
Cell phone violation
$1219
$203
Driving too slowly
$1219
$207
Failure to yield
$1219
$203
Following too closely
$1219
$207
Illegal turn
$1219
$203
Texting while driving
$1219
$207
Wrong way/wrong lane
$1219
$203
Failure to stop at a red light
$1226
$209
Improper passing
$1226
$204
Passing school bus
$1273
$217
Speeding in school zone
$1273
$212
In 65 MPH zone
$1294
$220
Speeding 21 - 25 MPH over limit
$1300
$217
Open container
$1341
$228
At-fault accident - less than $1000
$1375
$229
Operating a vehicle without permission
$1382
$235
At-fault accident - $1000-$2000
$1463
$244
At-fault accident - greater than $2000
$1463
$249
Refusal to submit to a chemical test
$1638
$274
Racing
$1645
$279
DUI
$1666
$278
Reckless driving
$1672
$284
Driving with a suspended license
$1686
$282
Leaving scene of an accident/hit and run
$1741
$296
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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 Wilbur 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 Wilbur.
The cheapest car insurance premiums in
Wilbur are
offered by Capital Insurance Group at $495 for a six-month policy.
However, it can be as
expensive as $2661 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 Wilbur are offered by Kemper
at $332. However,
it can be as expensive as $3108
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Wilbur after Speeding ticket
Car insurance rates in Wilbur have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wilbur rose by
$227 in January
compared to $219 of December. In other words, there has been an increase by $8 when you
compare January and December.
The average cost of liability insurance in the Wilbur remained steady at $81 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
Wilbur. At $2006 for a
six-month policy, insuring
your car at 97494 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 Wilbur?
The car insurance in Wilbur is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Wilbur?
The cheapest car insurance in Wilbur
is $75 per month
for full coverage.
How much is car insurance in Wilbur for teenagers?
Car insurance for teenagers costs $251 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
Wilbur?
The average cost of car insurance is $880 for a six-month
policy. It will cost around $169 per month to insure your
car in Wilbur.
Is car insurance expensive in Wilbur?
Car insurance can be expensive in Wilbur if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wilbur can be
affordable.
What is the best car insurance in Wilbur,
OR?
The best car insurance company in Wilbur
OR is
Kemper, offering $440 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wilbur, OR
Car Insurance Rates by State in the USA (2025 Update)
Wilbur Car Insurance
