Compare Independence, OR Car Insurance Rates (2021)

Car insurance in Independence, OR averages $301 a month. Independence, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Independence car insurance rates, compare quotes from the top car insurance companies in Independence, OR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Independence, OR after a DUI are $4,249/year
  • The cheapest car insurance company in Independence is USAA
  • The cheapest car insurance company in Independence for teen drivers is GEICO

If you need to buy Independence, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Independence, OR is right here.

You’ll find Independence car insurance rates, the cheapest Independence, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Independence, Oregon car insurance rates to Springfield car insurance rates, Corvallis car insurance rates, and Medford car insurance rates.

Ready to find affordable Independence, OR car insurance today? Enter your ZIP code for fast, free Independence car insurance quotes.

Cheapest Independence, OR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Independence, OR car insurance rates? Every Independence, Oregon car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Independence, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,346 $3,107 $3,068 $3,106 $10,337 $11,410 $3,485 $3,481
American Family $2,468 $2,468 $2,200 $2,200 $6,134 $9,646 $2,468 $2,579
Farmers $2,204 $2,167 $1,943 $2,072 $9,535 $9,810 $2,472 $2,530
GEICO $2,127 $2,052 $2,020 $2,064 $5,528 $4,989 $2,259 $1,917
Liberty Mutual $2,970 $3,124 $2,586 $2,874 $9,465 $10,173 $2,817 $2,823
Nationwide $2,385 $2,363 $2,127 $2,217 $5,491 $6,835 $2,787 $2,921
Progressive $1,882 $1,699 $1,640 $1,689 $8,147 $8,955 $2,239 $2,104
State Farm $1,756 $1,756 $1,613 $1,613 $5,656 $7,103 $1,994 $2,283
Travelers $1,908 $1,926 $1,732 $1,803 $5,512 $6,737 $1,991 $2,026
USAA $1,693 $1,639 $1,684 $1,619 $5,200 $5,566 $2,181 $2,257

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Minimum Car Insurance in Independence, OR

Every driver must carry the minimum car insurance in Independence, OR. Take a look at the Oregon car insurance requirements.

Minimum Required Car Insurance Coverage in Independence, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Independence, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Independence, OR. Compare credit history car insurance rates in Independence from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Independence, Oregon

Insurance Company Poor Fair Good
Allstate $6,794 $4,774 $3,935
American Family $4,786 $3,538 $2,986
Farmers $4,704 $3,886 $3,685
GEICO $3,460 $2,869 $2,279
Liberty Mutual $6,792 $3,969 $3,051
Nationwide $4,105 $3,251 $2,816
Progressive $3,977 $3,445 $3,211
State Farm $4,152 $2,647 $2,116
Travelers $3,676 $2,903 $2,284
USAA $4,087 $2,284 $1,820

Cheapest Independence, OR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Independence, OR to rates for a clean record with top companies.

Annual Independence, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,140 $5,626 $5,825 $5,080
American Family $2,625 $4,009 $5,081 $3,366
Farmers $3,451 $4,455 $4,355 $4,105
GEICO $1,879 $3,028 $3,990 $2,581
Liberty Mutual $4,073 $4,564 $5,239 $4,539
Nationwide $2,873 $3,078 $4,361 $3,251
Progressive $2,671 $4,883 $3,443 $3,181
State Farm $2,630 $3,451 $2,903 $2,903
Travelers $2,393 $3,066 $3,441 $2,918
USAA $1,977 $2,770 $3,856 $2,317

Cheapest Independence, OR Car Insurance for Teen Drivers

Teen car insurance in Independence, OR can be expensive. Take a look at rates from the top car insurance companies in Independence for teenagers.

Annual Car Insurance Rates for Teen Drivers in Independence, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,337 $11,410
American Family $6,134 $9,646
Farmers $9,535 $9,810
GEICO $5,528 $4,989
Liberty Mutual $9,465 $10,173
Nationwide $5,491 $6,835
Progressive $8,147 $8,955
State Farm $5,656 $7,103
Travelers $5,512 $6,737
USAA $5,200 $5,566

Cheapest Independence, OR Car Insurance for Seniors

Take a look at Independence, OR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Independence, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,068 $3,106
American Family $2,200 $2,200
Farmers $1,943 $2,072
GEICO $2,020 $2,064
Liberty Mutual $2,586 $2,874
Nationwide $2,127 $2,217
Progressive $1,640 $1,689
State Farm $1,613 $1,613
Travelers $1,732 $1,803
USAA $1,684 $1,619

Cheapest Independence, OR Car Insurance Rates After a DUI

A DUI in Independence, OR increases car insurance rates. Compare Independence, Oregon DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Independence, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,825
American Family $5,081
Farmers $4,355
GEICO $3,990
Liberty Mutual $5,239
Nationwide $4,361
Progressive $3,443
State Farm $2,903
Travelers $3,441
USAA $3,856

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Cheapest Independence, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Independence, OR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Independence, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,168 $5,168
American Family $3,712 $3,829
Farmers $4,092 $4,092
GEICO $2,822 $2,917
Liberty Mutual $4,604 $4,604
Nationwide $3,391 $3,391
Progressive $3,544 $3,544
State Farm $2,894 $3,050
Travelers $2,836 $3,073
USAA $2,652 $2,808

The Best Cheap Car Insurance Companies in Independence, OR

Take a look at a side-by-side comparison of the top car insurance companies in Independence, OR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Independence, Oregon

Insurance Company Average Annual Rates
Allstate $5,168
American Family $3,770
Farmers $4,092
GEICO $2,869
Liberty Mutual $4,604
Nationwide $3,391
Progressive $3,544
State Farm $2,972
Travelers $2,954
USAA $2,730

Category Winners: Cheapest Car Insurance in Independence, Oregon

Find the cheapest car insurance companies in Independence, OR for each category right here.

Best Annual Car Insurance Rates by Company in Independence, Oregon

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Independence, OR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Independence car insurance rates. Find the cheapest Independence, OR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Independence, Oregon

Insurance Company Low Medium High
Allstate $4,876 $5,154 $5,472
American Family $3,740 $3,990 $3,581
Farmers $3,796 $4,030 $4,448
GEICO $2,561 $2,887 $3,160
Liberty Mutual $4,290 $4,589 $4,933
Nationwide $3,220 $3,483 $3,470
Progressive $3,410 $3,526 $3,697
State Farm $2,797 $2,977 $3,141
Travelers $2,765 $2,938 $3,160
USAA $2,603 $2,733 $2,854

What affects car insurance rates in Independence, Oregon?

What factors can have an impact on Independence, OR car insurance? There are several reasons why Independence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Independence, Oregon.

Car Theft in Independence

High levels of vehicle theft can make car insurance more expensive. Independence, OR car theft statistics from the FBI indicate 14 vehicle thefts a year.

Commute Time in Independence

The more time you spend in your car the higher the risk of an accident. The average commute length in Independence, OR is 25.2 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, OR

Ready to find affordable Independence, Oregon car insurance today? Enter your ZIP code for fast, free Independence, OR car insurance quotes.

Free Car Insurance Comparison

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