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Average cost of car insurance in Oregon for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Oregon?
To determine how much car insurance is in Oregon, Bankrate analyzed premium data from Quadrant Information Services. According to our research, the average cost of car insurance in Oregon is $2,035 per year for full coverage and $852 per year for minimum coverage. These are just average figures to be used for comparative purposes; your exact car insurance rate will vary based on personal factors like your age, ZIP code, credit history, claims history, driving record and more. To help give you a clearer image of what your insurance costs may be, Bankrate also included average rates for a variety of Oregon driving profiles.
Key takeaways
- The average car insurance cost in Oregon is $170 per month for full coverage and $71 per month for minimum coverage.
- If you have poor credit, car insurance costs change by 87 percent more for full coverage on average.
- Of the cities, Crane has the cheapest car insurance rates in Oregon for full coverage at $1,733 for full coverage.
- Drivers with one accident on their record pay more for insurance — an average of $3,042 for full coverage.
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Oregon car insurance rates by city
The city and ZIP code you live in also factor into your Oregon car insurance rates. Insurance carriers often use city-specific variables like population density, crime statistics, claim frequency and cost of living in the ZIP code to determine rates in the area. If you live in an area where it’s more common to file an insurance claim, you will likely pay more for your coverage. In the table below, you can see average Oregon auto insurance rates in some of the state’s most populated cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Monroe | $1,843 | -10% |
| Oakland | $1,871 | -8% |
| Walterville | $1,912 | -6% |
| Wolf Creek | $1,904 | -7% |
| Yachats | $1,918 | -6% |
| Elmira | $1,886 | -8% |
| Junction City | $1,851 | -9% |
| Langlois | $1,902 | -7% |
| North Bend | $1,837 | -10% |
| Sixes | $1,862 | -9% |
| Cave Junction | $1,952 | -4% |
| Williams | $1,948 | -4% |
| Kimberly | $1,822 | -11% |
| Oxbow | $1,791 | -13% |
| Adrian | $1,803 | -12% |
| Westfall | $1,772 | -14% |
| Buxton | $1,997 | -2% |
| Cannon Beach | $1,941 | -5% |
| Hillsboro | $2,028 | -0% |
| Lafayette | $2,048 | +1% |
| Mcminnville | $1,995 | -2% |
| Portland | $2,350 | +14% |
| Ashland | $1,823 | -11% |
| Phoenix | $1,763 | -14% |
| Klamath Falls | $1,917 | -6% |
| Dairy | $1,985 | -2% |
| Merrill | $1,948 | -4% |
| Paulina | $1,803 | -12% |
| Warm Springs | $2,007 | -1% |
| Fossil | $1,931 | -5% |
| Imnaha | $1,840 | -10% |
| Milton Freewater | $1,842 | -10% |
| Richland | $1,828 | -11% |
| Union | $1,830 | -11% |
| Deadwood | $1,969 | -3% |
| Dorena | $1,857 | -9% |
| Drain | $1,875 | -8% |
| Florence | $1,840 | -10% |
| Lorane | $1,947 | -4% |
| Lowell | $1,876 | -8% |
| Roseburg | $1,824 | -11% |
| New Pine Creek | $1,897 | -7% |
| Paisley | $1,903 | -7% |
| Fort Rock | $1,867 | -9% |
| Sisters | $1,925 | -6% |
| Condon | $1,920 | -6% |
| Enterprise | $1,871 | -8% |
| Hermiston | $1,782 | -13% |
| Stanfield | $1,805 | -12% |
| Newberg | $2,001 | -2% |
| Sherwood | $1,983 | -3% |
| Timber | $2,036 | +0% |
| Salem | $2,040 | +0% |
| Crabtree | $1,906 | -7% |
| Midland | $1,903 | -7% |
| Brothers | $1,857 | -9% |
| Hines | $1,828 | -11% |
| La Pine | $1,886 | -8% |
| Powell Butte | $1,844 | -10% |
| Riley | $1,781 | -13% |
| Arlington | $1,853 | -9% |
| Athena | $1,849 | -10% |
| Baker City | $1,769 | -14% |
| Halfway | $1,841 | -10% |
| Wallowa | $1,879 | -8% |
| Malin | $1,937 | -5% |
| Gales Creek | $1,998 | -2% |
| Hammond | $1,909 | -6% |
| Manzanita | $1,938 | -5% |
| North Plains | $2,052 | +1% |
| Myrtle Creek | $1,853 | -9% |
| Ophir | $1,889 | -7% |
| Powers | $1,935 | -5% |
| Reedsport | $1,862 | -9% |
| Springfield | $1,787 | -13% |
| Westlake | $1,914 | -6% |
| Winston | $1,817 | -11% |
| Beaverton | $2,104 | +3% |
| Hubbard | $2,040 | +0% |
| Rufus | $1,915 | -6% |
| Welches | $2,151 | +6% |
| Aumsville | $1,935 | -5% |
| Foster | $1,861 | -9% |
| Lincoln City | $1,935 | -5% |
| Allegany | $1,883 | -8% |
| Astoria | $1,888 | -7% |
| Nehalem | $1,942 | -5% |
| Pacific City | $2,002 | -2% |
| Saint Paul | $2,025 | -0% |
| Tillamook | $1,990 | -2% |
| Warrenton | $1,899 | -7% |
| Bay City | $1,963 | -4% |
| Clackamas | $2,228 | +9% |
| Estacada | $2,235 | +9% |
| Mosier | $1,920 | -6% |
| Oregon City | $2,154 | +6% |
| Wasco | $1,927 | -5% |
| Gresham | $2,412 | +17% |
| Arch Cape | $1,965 | -3% |
| Carlton | $2,032 | -0% |
| Wheeler | $1,954 | -4% |
| Banks | $1,982 | -3% |
| Dayton | $2,021 | -1% |
| Gaston | $2,062 | +1% |
| Tolovana Park | $1,966 | -3% |
| Fort Klamath | $1,986 | -2% |
| Lakeview | $1,883 | -8% |
| Sprague River | $1,983 | -3% |
| Summer Lake | $1,887 | -8% |
| Bend | $1,798 | -12% |
| Culver | $1,923 | -6% |
| Pendleton | $1,795 | -13% |
| Canyon City | $1,873 | -8% |
| Ione | $1,898 | -7% |
| Irrigon | $1,826 | -11% |
| Mount Vernon | $1,872 | -8% |
| Pilot Rock | $1,871 | -8% |
| Seneca | $1,879 | -8% |
| Spray | $1,885 | -8% |
| Chemult | $1,935 | -5% |
| Lexington | $1,895 | -7% |
| Monument | $1,909 | -6% |
| Ukiah | $1,851 | -9% |
| Idanha | $1,955 | -4% |
| Jefferson | $1,886 | -8% |
| Sheridan | $1,985 | -2% |
| Tangent | $1,767 | -14% |
| Broadbent | $1,929 | -5% |
| Cheshire | $1,893 | -7% |
| Days Creek | $1,884 | -8% |
| Dillard | $1,900 | -7% |
| Cottage Grove | $1,785 | -13% |
| Wedderburn | $1,893 | -7% |
| Medford | $1,760 | -14% |
| Beavercreek | $2,197 | +8% |
| Canby | $2,027 | -0% |
| Maupin | $1,965 | -3% |
| Tualatin | $2,009 | -1% |
| Woodburn | $2,055 | +1% |
| Gates | $1,985 | -2% |
| Rickreall | $1,958 | -4% |
| Scotts Mills | $2,064 | +1% |
| Turner | $1,939 | -5% |
| Eugene | $1,803 | -12% |
| Cloverdale | $2,007 | -1% |
| Cornelius | $2,066 | +2% |
| Oceanside | $1,981 | -3% |
| Yamhill | $2,020 | -1% |
| Silver Lake | $1,919 | -6% |
| Burns | $1,839 | -10% |
| Frenchglen | $1,765 | -14% |
| Boardman | $1,791 | -13% |
| Haines | $1,807 | -12% |
| Helix | $1,875 | -8% |
| Keno | $1,978 | -3% |
| Camp Sherman | $1,922 | -6% |
| Prineville | $1,848 | -10% |
| Terrebonne | $1,863 | -9% |
| Umatilla | $1,808 | -12% |
| Aurora | $2,017 | -1% |
| Colton | $2,224 | +9% |
| Gervais | $2,042 | +0% |
| Hood River | $1,814 | -11% |
| Rhododendron | $2,165 | +6% |
| Warren | $1,935 | -5% |
| Shaniko | $1,920 | -6% |
| West Linn | $2,025 | -0% |
| Damascus | $2,262 | +11% |
| Ashwood | $1,862 | -9% |
| Crane | $1,733 | -16% |
| Bates | $1,840 | -10% |
| Bridgeport | $1,798 | -12% |
| Echo | $1,812 | -12% |
| Joseph | $1,872 | -8% |
| La Grande | $1,765 | -14% |
| Lostine | $1,868 | -9% |
| North Powder | $1,804 | -12% |
| Unity | $1,821 | -11% |
| Jordan Valley | $1,849 | -10% |
| Diamond | $1,776 | -14% |
| Gilchrist | $1,906 | -7% |
| Madras | $1,901 | -7% |
| Post | $1,813 | -12% |
| John Day | $1,862 | -9% |
| Chiloquin | $1,984 | -3% |
| Lyons | $1,939 | -5% |
| Mill City | $1,971 | -3% |
| Shedd | $1,788 | -13% |
| Toledo | $1,922 | -6% |
| Blue River | $1,945 | -5% |
| Coos Bay | $1,840 | -10% |
| Crawfordsville | $1,878 | -8% |
| Dallas | $1,917 | -6% |
| Monmouth | $1,906 | -7% |
| Seal Rock | $1,915 | -6% |
| Brookings | $1,852 | -9% |
| Gold Beach | $1,824 | -11% |
| Jacksonville | $1,837 | -10% |
| Trail | $1,952 | -4% |
| Donald | $2,056 | +1% |
| Kent | $1,862 | -9% |
| Rainier | $1,979 | -3% |
| The Dalles | $1,910 | -6% |
| Vernonia | $2,008 | -1% |
| Fields | $1,769 | -14% |
| Princeton | $1,765 | -14% |
| Mitchell | $1,905 | -7% |
| Dayville | $1,877 | -8% |
| Hereford | $1,811 | -12% |
| Imbler | $1,830 | -11% |
| Mapleton | $1,902 | -7% |
| Tenmile | $1,836 | -10% |
| Umpqua | $1,932 | -5% |
| Vida | $1,918 | -6% |
| Walton | $1,877 | -8% |
| Westfir | $1,916 | -6% |
| Shady Cove | $1,900 | -7% |
| Bly | $1,974 | -3% |
| Bonanza | $1,997 | -2% |
| Riverside | $1,834 | -10% |
| Corvallis | $1,740 | -16% |
| Scio | $1,908 | -6% |
| Alvadore | $1,850 | -9% |
| Azalea | $1,906 | -7% |
| Bandon | $1,856 | -9% |
| Camas Valley | $1,910 | -6% |
| Harrisburg | $1,843 | -10% |
| Noti | $1,988 | -2% |
| White City | $1,811 | -12% |
| Grants Pass | $1,777 | -14% |
| Vale | $1,797 | -12% |
| Durkee | $1,791 | -13% |
| Harper | $1,791 | -13% |
| Ironside | $1,779 | -13% |
| Ontario | $1,772 | -14% |
| Clatskanie | $1,958 | -4% |
| Sandy | $2,258 | +10% |
| Wilsonville | $1,999 | -2% |
| Boring | $2,220 | +9% |
| Grass Valley | $1,923 | -6% |
| Lake Oswego | $2,037 | +0% |
| Dufur | $1,964 | -4% |
| Moro | $1,907 | -6% |
| Saint Helens | $1,958 | -4% |
| Tygh Valley | $1,979 | -3% |
| Scappoose | $1,953 | -4% |
| Amity | $2,007 | -1% |
| Sublimity | $1,944 | -5% |
| Gleneden Beach | $1,985 | -2% |
| Garibaldi | $1,961 | -4% |
| Seaside | $1,943 | -5% |
| Grand Ronde | $1,956 | -4% |
| Logsden | $1,960 | -4% |
| Otter Rock | $1,885 | -8% |
| Stayton | $1,887 | -8% |
| Waldport | $1,920 | -6% |
| Canyonville | $1,881 | -8% |
| Cascadia | $1,866 | -9% |
| Detroit | $1,986 | -2% |
| Independence | $1,935 | -5% |
| South Beach | $1,905 | -7% |
| Philomath | $1,804 | -12% |
| Saint Benedict | $2,054 | +1% |
| Neskowin | $1,984 | -3% |
| Brightwood | $2,159 | +6% |
| Eagle Creek | $2,250 | +10% |
| Troutdale | $2,341 | +14% |
| Albany | $1,765 | -14% |
| Eddyville | $1,935 | -5% |
| Neotsu | $1,953 | -4% |
| Tidewater | $1,969 | -3% |
| Plush | $1,881 | -8% |
| Adams | $1,871 | -8% |
| Elgin | $1,856 | -9% |
| Mikkalo | $1,857 | -9% |
| Summerville | $1,859 | -9% |
| Sumpter | $1,861 | -9% |
| Dundee | $2,021 | -1% |
| Manning | $1,984 | -3% |
| Cascade Locks | $1,956 | -4% |
| Corbett | $2,258 | +10% |
| Fairview | $2,400 | +16% |
| Government Camp | $2,146 | +5% |
| Molalla | $2,172 | +7% |
| Alsea | $1,929 | -5% |
| Blodgett | $1,913 | -6% |
| Depoe Bay | $1,939 | -5% |
| Falls City | $2,014 | -1% |
| Halsey | $1,794 | -13% |
| Lebanon | $1,807 | -12% |
| Otis | $1,976 | -3% |
| Siletz | $1,948 | -4% |
| Willamina | $1,969 | -3% |
| Coquille | $1,836 | -10% |
| Beaver | $1,996 | -2% |
| Forest Grove | $2,017 | -1% |
| Rockaway Beach | $1,958 | -4% |
| Prairie City | $1,834 | -10% |
| Sutherlin | $1,836 | -10% |
| Swisshome | $1,884 | -8% |
| Tiller | $1,954 | -4% |
| Winchester | $1,823 | -11% |
| Yoncalla | $1,854 | -9% |
| Adel | $1,823 | -11% |
| Elkton | $1,937 | -5% |
| Glendale | $1,916 | -6% |
| Myrtle Point | $1,902 | -7% |
| Veneta | $1,896 | -7% |
| Central Point | $1,742 | -15% |
| Eagle Point | $1,828 | -11% |
| Gold Hill | $1,813 | -12% |
| Kerby | $1,904 | -7% |
| Selma | $1,930 | -5% |
| Merlin | $1,877 | -8% |
| Murphy | $1,884 | -8% |
| Prospect | $1,973 | -3% |
| Lakeside | $1,834 | -10% |
| Riddle | $1,904 | -7% |
| Wilbur | $1,843 | -10% |
| Butte Falls | $1,957 | -4% |
| Drewsey | $1,779 | -13% |
| Arock | $1,874 | -8% |
| Brogan | $1,796 | -12% |
| Christmas Valley | $1,946 | -4% |
| Crescent | $1,927 | -5% |
| Redmond | $1,814 | -11% |
| Cove | $1,832 | -10% |
| Heppner | $1,906 | -7% |
| Long Creek | $1,895 | -7% |
| Meacham | $1,857 | -9% |
| Antelope | $1,906 | -7% |
| Columbia City | $1,994 | -2% |
| Marylhurst | $2,100 | +3% |
| Deer Island | $2,013 | -1% |
| Creswell | $1,826 | -11% |
| Weston | $1,891 | -7% |
| Jamieson | $1,779 | -13% |
| O Brien | $1,979 | -3% |
| Wilderville | $1,942 | -5% |
| Beatty | $1,971 | -3% |
| Huntington | $1,800 | -12% |
| Juntura | $1,810 | -12% |
| Oakridge | $1,862 | -9% |
| Scottsburg | $1,942 | -5% |
| Rogue River | $1,870 | -8% |
| Talent | $1,767 | -14% |
| Crater Lake | $1,968 | -3% |
| Bridal Veil | $2,240 | +10% |
| Gladstone | $2,152 | +6% |
| Mount Hood Parkdale | $1,934 | -5% |
| Mulino | $2,170 | +6% |
| Nyssa | $1,777 | -13% |
| Hebo | $2,017 | -1% |
| Dexter | $1,847 | -10% |
| Glide | $1,930 | -5% |
| Marcola | $1,875 | -8% |
| Pleasant Hill | $1,796 | -12% |
| Port Orford | $1,843 | -10% |
| Mount Angel | $2,026 | -0% |
| Newport | $1,884 | -8% |
| Mehama | $1,940 | -5% |
| Blachly | $1,917 | -6% |
| Happy Valley | $2,348 | +14% |
| Brownsville | $1,817 | -11% |
| Silverton | $1,982 | -3% |
| Sweet Home | $1,853 | -9% |
| Agness | $1,865 | -9% |
| Fall Creek | $1,872 | -8% |
| Gardiner | $1,856 | -9% |
| Idleyld Park | $1,925 | -6% |
Average car insurance costs by age and gender in Oregon
In Oregon, car insurance companies are permitted to use age and gender as rating factors for auto insurance premiums. In the table below, you can see the average car insurance rates by age for male and female drivers in Oregon.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OR
$4,641
|
Average minimum coverage premium in OR
$1,946
|
|
Age 18
|
Average annual full coverage premium in OR
$6,489
|
Average minimum coverage premium in OR
$2,676
|
|
Age 20
|
Average annual full coverage premium in OR
$4,508
|
Average minimum coverage premium in OR
$1,816
|
|
Age 25
|
Average annual full coverage premium in OR
$2,591
|
Average minimum coverage premium in OR
$1,026
|
|
Age 30
|
Average annual full coverage premium in OR
$2,188
|
Average minimum coverage premium in OR
$864
|
|
Age 40
|
Average annual full coverage premium in OR
$2,023
|
Average minimum coverage premium in OR
$825
|
|
Age 50
|
Average annual full coverage premium in OR
$1,892
|
Average minimum coverage premium in OR
$791
|
|
Age 60
|
Average annual full coverage premium in OR
$1,838
|
Average minimum coverage premium in OR
$781
|
|
Age 70
|
Average annual full coverage premium in OR
$2,031
|
Average minimum coverage premium in OR
$891
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OR
$4,374
|
Average minimum coverage premium in OR
$1,930
|
|
Age 18
|
Average annual full coverage premium in OR
$5,862
|
Average minimum coverage premium in OR
$2,540
|
|
Age 20
|
Average annual full coverage premium in OR
$4,121
|
Average minimum coverage premium in OR
$1,751
|
|
Age 25
|
Average annual full coverage premium in OR
$2,496
|
Average minimum coverage premium in OR
$1,052
|
|
Age 30
|
Average annual full coverage premium in OR
$2,184
|
Average minimum coverage premium in OR
$910
|
|
Age 40
|
Average annual full coverage premium in OR
$2,047
|
Average minimum coverage premium in OR
$878
|
|
Age 50
|
Average annual full coverage premium in OR
$1,914
|
Average minimum coverage premium in OR
$835
|
|
Age 60
|
Average annual full coverage premium in OR
$1,837
|
Average minimum coverage premium in OR
$810
|
|
Age 70
|
Average annual full coverage premium in OR
$2,010
|
Average minimum coverage premium in OR
$910
|
Bankrate’s take: Broadly, car insurance rates are a calculation of risk: if you pose a higher risk of filing a claim with your insurance provider, it is likely your insurer will charge you more for your policy. That is why men typically pay more for car insurance than women: statistics show that men are more likely to drive dangerously and engage in risky practices, which in turn could lead to an expensive claim.
Cost considerations for young drivers in Oregon
Car insurance rates vary for young drivers on their own policy compared to drivers on their parents’ policy. The average cost of car insurance in Oregon will likely be cheaper for younger drivers if they choose to remain on their parents’ policy instead of purchasing their own.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in OR
$4,507
|
|
Age 17
|
Avg. annual premium for drivers in OR
$4,060
|
|
Age 18
|
Avg. annual premium for drivers in OR
$3,696
|
|
Age 19
|
Avg. annual premium for drivers in OR
$3,665
|
|
Age 20
|
Avg. annual premium for drivers in OR
$3,099
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in OR
$6,175
|
|
Age 19
|
Avg. annual premium for drivers in OR
$5,259
|
|
Age 20
|
Avg. annual premium for drivers in OR
$4,315
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 67 percent more |
| Age 19 | 43 percent more |
| Age 20 | 39 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Oregon?
Safe drivers typically pay lower car insurance rates due to their lower likelihood of filing claims. Any violations on your record, like an at-fault accident or a speeding ticket conviction, may cause a rate increase. In the table below, you can see how much insurance premiums increase on average after a single speeding ticket conviction, at-fault accident or DUI.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in OR
$2,035
|
Percentage increase from OR avg. annual premium*
0%
|
|
Avg. annual premium* in OR
$2,553
|
Percentage increase from OR avg. annual premium*
25%
|
|
|
Avg. annual premium* in OR
$3,042
|
Percentage increase from OR avg. annual premium*
50%
|
|
|
Avg. annual premium* in OR
$3,597
|
Percentage increase from OR avg. annual premium*
77%
|
Car insurance rates in Oregon by credit score
Oregon auto insurance companies use your credit history as a rating factor. In general, drivers with excellent credit pay the lowest car insurance rates and drivers with poor credit pay much higher rates. This is because actuarial data has shown that drivers with poor credit history are more likely to file claims. Below are the average car insurance rates in Oregon based on credit tier:
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Avg. annual premium* in OR
$3,805
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Percentage change from OR average annual premium*
87%
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Average
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Avg. annual premium* in OR
$2,220
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Percentage change from OR average annual premium*
9%
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Avg. annual premium* in OR
$2,035
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Percentage change from OR average annual premium*
0%
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Excellent
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Avg. annual premium* in OR
$1,769
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Percentage change from OR average annual premium*
-13%
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Oregon car insurance rates by vehicle type
Your car insurance rates will also depend on your vehicle type. Car insurance premiums are based in part on the specific make and model of your vehicle. In the table below, you can see the average Oregon car insurance premiums for several popular vehicles.
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Avg. annual premium* in OR
$2,035
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Avg. annual premium* in OR
$1,997
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Avg. annual premium* in OR
$1,814
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BMW 330i
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Avg. annual premium* in OR
$2,441
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Toyota Prius
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Avg. annual premium* in OR
$2,074
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Estimate your car insurance cost in Oregon
The rates we listed above demonstrate that the cost of your car insurance policy will depend on a multitude of factors. To help you get a better idea of what your insurance costs may be, Bankrate created the calculator tool below. After you enter a couple of pieces of basic information, you will be presented with a rough estimate of your car insurance costs. It is not an exact quote, but it can give you more insight into how much to budget for your policy.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Oregon
Car insurance rates in Oregon are not overly expensive, on average, but there are ways you may be able to save even more money and earn a lower premium. Here are some suggestions for getting cheap car insurance:
- Get several quotes: To find the best rate for your coverage preferences, you may want to request multiple car insurance quotes from different carriers. This way, you can evaluate coverage options and pricing to find the right carrier.
- Improve your credit score: If you have a poor credit score, you may pay a higher car insurance premium. Raising your credit score, even by a few points, can help you get a lower rate.
- Pay your premium in full: Paying your premium upfront and in full may help you get a cheaper rate, if you can afford the out-of-pocket cost.
- Take a defensive driver course: Many insurance companies offer a discount to drivers who complete an approved defensive driver or driver safety course.
- Raise your deductibles: Increasing your comprehensive and collision deductibles can lower your premium. Just make sure you can afford a higher deductible if you need to file a claim.
- Switch carriers: If you find a different insurance company that can offer you a better deal, you can usually switch carriers during your policy period. You’ll want to check if your current insurer has any fees associated with policy cancellation.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
