Cheapest Car Insurance Quotes in Wood Village

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Wood Village Car Insurance

^$ 59

/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 Wood Village

The car insurance rate in Wood Village is $1294 for a six-month policy, which is $414 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $567, making it a popular choice for budget-conscious drivers. Rates in Wood Village 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 Wood Village

$1294

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Wood Village

1st place: Kemper

At $567 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 $900 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 $995 for six months, making it the third cheapest auto insurance company in Wood Village.

Wood Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wood Village, OR is Kemper, offering policies at just $567 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $900.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2462 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wood Village drivers find the best deals.

Cheap Car Insurance Companies in Wood Village, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$567	$97
Capital Insurance Group	$900	$150
American Family	$995	$168
Travelers	$1117	$188
Progressive	$1144	$193
Encompass	$1188	$198
USAA	$1223	$206
Nationwide	$1232	$207
State Farm	$1239	$209
Country Financial	$1266	$213
Mutual of Enumclaw	$1633	$278
Farmers	$1868	$315
Allstate	$2462	$415

Key Takeaways

Way's key takeaways about car insurance in Wood Village

The auto insurance costs in Wood Village fall around $567 for six months.
The cheapest auto insurance company in Wood Village is Kemper.
Teen drivers pay the highest rate in Wood Village at $1485 per month.

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Cheapest Minimum Liability Car Insurance in Wood Village

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 Wood Village are given below.

Kemper provides the cheapest minimum car insurance coverage in Wood Village. Their Average 6 Month Premium is $350. Allstate is the most expensive at $1301 for the same period.

Cheapest Liability Coverage in Wood Village, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$59
Capital Insurance Group	$463	$79
State Farm	$498	$84
USAA	$498	$84
American Family	$523	$88
Travelers	$523	$88
Progressive	$532	$90
Country Financial	$620	$104
California Casualty	$663	$110
Nationwide	$698	$118
Farmers	$969	$163
Allstate	$1301	$219

Cheapest Full Coverage Car Insurance in Wood Village

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 Wood Village is Kemper at $97 per month and $567 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wood Village, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$567	$97
Capital Insurance Group	$900	$150
American Family	$995	$168
Travelers	$1117	$188
Progressive	$1144	$193
Encompass	$1188	$198
USAA	$1223	$206
Nationwide	$1232	$207
State Farm	$1239	$209
Country Financial	$1266	$213
Mutual of Enumclaw	$1633	$278
Farmers	$1868	$315
Allstate	$2462	$415

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Average Car Insurance in Wood Village 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 Wood Village, OR increasing?

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

Car Insurance Premiums by Age in Wood Village

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	$844
30s	USAA	$688
40s	USAA	$638
50s	USAA	$613
60s	USAA	$638
70s	USAA	$776

Cheapest Car Insurance Rates for Teen Drivers in Wood Village,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wood Village at $54 per month. At $8819 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$323	$54
Capital Insurance Group	$550	$91
Country Financial	$1817	$306
USAA	$1930	$325
Travelers	$1957	$329
State Farm	$2314	$390
American Family	$2855	$481
Progressive	$2986	$503
Nationwide	$5702	$970
Allstate	$8819	$1485
Farmers	$8819	$1485

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 Wood Village.

As young drivers face the highest rates in Wood Village, USAA offers the cheapest auto insurance rates at $844 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 Wood Village, Kemper is the cheapest car insurance provider. At $585 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 Wood Village is State Farm, offering rates of around $5955 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$585	$97
Capital Insurance Group	$681	$116
Nationwide	$847	$141
Progressive	$1257	$212
American Family	$1529	$257
Country Financial	$1676	$282
Travelers	$1764	$297
USAA	$2201	$375
Allstate	$4479	$747
Farmers	$4758	$809
State Farm	$5955	$992

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Car Insurance Rates with An Accident in Wood Village

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 Wood Village, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wood Village

The cheapest car insurance companies after an at-fault accident in Wood Village include Kemper and Capital Insurance Group, offering $463 and $550, respectively. Allstate is an expensive provider with an average six-month premium of $3894.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$76
Capital Insurance Group	$550	$94
Capital	$620	$103
Encompass	$689	$118
State Farm	$944	$159
Travelers	$1048	$176
USAA	$1108	$187
Progressive	$1239	$209
American Family	$1397	$235
Nationwide	$1397	$235
Country Financial	$1467	$247
Farmers	$3205	$539
Allstate	$3894	$656

Wood Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wood Village OR. For example, the car insurance in Wood Village after a DUI increases to $916 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Wood Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1232	$206
One Med/PIP claim	$1232	$209
Not-at-fault accident	$1274	$213
One comp claim	$1301	$221
Two Med/PIP claims	$1319	$219
Failure to wear a seat belt	$1405	$240
Two comp claims	$1441	$240
Child safety restraint	$1458	$248
Failure to show documents	$1458	$243
Driving without lights	$1467	$250
Driving with expired registration	$1502	$250
Speeding 11 - 15 MPH over limit	$1563	$266
Speeding 16 - 20 MPH over limit	$1563	$260
Speeding 6 - 10 MPH over limit	$1563	$266
Cell phone violation	$1571	$262
Driving too slowly	$1571	$268
Failure to yield	$1571	$262
Following too closely	$1571	$268
Illegal turn	$1571	$262
Texting while driving	$1571	$268
Wrong way/wrong lane	$1571	$262
Failure to stop at a red light	$1580	$269
Improper passing	$1580	$263
Passing school bus	$1642	$279
Speeding in school zone	$1642	$273
In 65 MPH zone	$1668	$284
Speeding 21 - 25 MPH over limit	$1676	$279
Open container	$1729	$294
At-fault accident - less than $1000	$1773	$295
Operating a vehicle without permission	$1782	$303
At-fault accident - $1000-$2000	$1886	$315
At-fault accident - greater than $2000	$1886	$320
Refusal to submit to a chemical test	$2112	$353
Racing	$2121	$360
DUI	$2148	$359
Reckless driving	$2156	$366
Driving with a suspended license	$2174	$363
Leaving scene of an accident/hit and run	$2245	$382

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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 Wood Village 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 Wood Village.

The cheapest car insurance premiums in Wood Village are offered by Capital Insurance Group at $638 for a six-month policy. However, it can be as expensive as $3431 with companies like Nationwide.

Wood Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$638	$109
Kemper	$786	$131
Progressive	$978	$165
Travelers	$1257	$212
State Farm	$1319	$222
American Family	$1476	$248
USAA	$1642	$276
Farmers	$3083	$519
Country Financial	$3134	$528
Allstate	$3169	$534
Nationwide	$3431	$584

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 Wood Village are offered by Kemper at $428. However, it can be as expensive as $4007 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wood Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$428	$72
Capital Insurance Group	$515	$88
Nationwide	$698	$116
State Farm	$820	$138
Progressive	$1048	$176
American Family	$1057	$178
Travelers	$1274	$215
USAA	$1292	$219
Country Financial	$1345	$226
Allstate	$3205	$545
Farmers	$4007	$667

Car Insurance Price Trends in Wood Village, Oregon

Car insurance rates in Wood Village have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Wood Village rose by $293 in January compared to $282 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 Wood Village remained steady at $104 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 Wood Village?

The car insurance in Wood Village is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Wood Village?

The cheapest car insurance in Wood Village is $97 per month for full coverage.

How much is car insurance in Wood Village for teenagers?

Car insurance for teenagers costs $323 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 Wood Village?

The average cost of car insurance is $880 for a six-month policy. It will cost around $218 per month to insure your car in Wood Village.

Is car insurance expensive in Wood Village?

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

What is the best car insurance in Wood Village, OR?

The best car insurance company in Wood Village OR is Kemper, offering $567 for a six-month policy.