Compare Medford, OR Car Insurance Rates (2021)

Car insurance in Medford, OR averages $260 a month. Medford, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Medford car insurance rates, compare quotes from the top car insurance companies in Medford, OR.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Medford, OR are $3,125/year
  • The cheapest car insurance company in Medford for teen drivers is USAA
  • Average car insurance rates in Medford, OR after a DUI are $3,678/year

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

You’ll find Medford car insurance rates, the cheapest Medford, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Medford, Oregon car insurance rates to Eugene car insurance rates, Bend car insurance rates, and Hillsboro car insurance rates.

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

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

How do age, gender, and marital status affect Medford, OR car insurance rates? Every Medford, 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 Medford, 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 $2,832 $2,629 $2,586 $2,605 $8,330 $9,251 $2,952 $2,959
American Family $2,134 $2,134 $1,903 $1,903 $5,264 $8,240 $2,134 $2,236
Farmers $1,771 $1,727 $1,568 $1,669 $7,257 $7,396 $1,980 $2,025
GEICO $2,096 $2,027 $1,950 $1,959 $5,394 $4,919 $2,231 $1,929
Liberty Mutual $2,662 $2,802 $2,316 $2,574 $8,582 $9,242 $2,539 $2,548
Nationwide $2,162 $2,154 $1,926 $2,014 $4,950 $6,185 $2,522 $2,655
Progressive $1,638 $1,486 $1,428 $1,467 $7,069 $7,796 $1,954 $1,855
State Farm $1,559 $1,559 $1,432 $1,432 $5,007 $6,286 $1,771 $2,027
Travelers $1,649 $1,663 $1,491 $1,551 $4,651 $5,648 $1,721 $1,750
USAA $1,432 $1,389 $1,420 $1,370 $4,309 $4,621 $1,834 $1,903

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Minimum Car Insurance in Medford, OR

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

Minimum Required Car Insurance Coverage in Medford, 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 Medford, OR Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Medford, Oregon

Insurance Company Poor Fair Good
Allstate $5,597 $3,946 $3,261
American Family $4,117 $3,040 $2,573
Farmers $3,671 $3,004 $2,847
GEICO $3,391 $2,813 $2,235
Liberty Mutual $6,103 $3,598 $2,774
Nationwide $3,714 $2,945 $2,555
Progressive $3,461 $3,000 $2,799
State Farm $3,679 $2,347 $1,877
Travelers $3,134 $2,469 $1,944
USAA $3,425 $1,909 $1,521

Cheapest Medford, 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 Medford, OR to rates for a clean record with top companies.

Annual Medford, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,453 $4,641 $4,783 $4,195
American Family $2,254 $3,476 $4,356 $2,888
Farmers $2,676 $3,449 $3,373 $3,199
GEICO $1,858 $2,953 $3,881 $2,560
Liberty Mutual $3,683 $4,125 $4,730 $4,096
Nationwide $2,605 $2,789 $3,944 $2,946
Progressive $2,342 $4,231 $2,999 $2,775
State Farm $2,332 $3,058 $2,574 $2,574
Travelers $2,043 $2,611 $2,921 $2,487
USAA $1,663 $2,317 $3,214 $1,945

Cheapest Medford, OR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Medford, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,330 $9,251
American Family $5,264 $8,240
Farmers $7,257 $7,396
GEICO $5,394 $4,919
Liberty Mutual $8,582 $9,242
Nationwide $4,950 $6,185
Progressive $7,069 $7,796
State Farm $5,007 $6,286
Travelers $4,651 $5,648
USAA $4,309 $4,621

Cheapest Medford, OR Car Insurance for Seniors

Take a look at Medford, 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 Medford, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,586 $2,605
American Family $1,903 $1,903
Farmers $1,568 $1,669
GEICO $1,950 $1,959
Liberty Mutual $2,316 $2,574
Nationwide $1,926 $2,014
Progressive $1,428 $1,467
State Farm $1,432 $1,432
Travelers $1,491 $1,551
USAA $1,420 $1,370

Cheapest Medford, OR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Medford, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,783
American Family $4,356
Farmers $3,373
GEICO $3,881
Liberty Mutual $4,730
Nationwide $3,944
Progressive $2,999
State Farm $2,574
Travelers $2,921
USAA $3,214

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Cheapest Medford, OR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Medford, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,268 $4,268
American Family $3,194 $3,293
Farmers $3,174 $3,174
GEICO $2,767 $2,859
Liberty Mutual $4,158 $4,158
Nationwide $3,071 $3,071
Progressive $3,087 $3,087
State Farm $2,566 $2,703
Travelers $2,416 $2,615
USAA $2,220 $2,350

Cheapest Medford, OR Car Insurance Rates by ZIP Code

Medford car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Medford, OR.

Annual Car Insurance Rates by ZIP Code in Medford, Oregon

ZIP Code Average Annual Rates
97501 $2,942
97504 $2,950

The Best Cheap Car Insurance Companies in Medford, OR

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

Average Annual Car Insurance Rates by Company in Medford, Oregon

Insurance Company Average Annual Rates
Allstate $4,268
American Family $3,243
Farmers $3,174
GEICO $2,813
Liberty Mutual $4,158
Nationwide $3,071
Progressive $3,087
State Farm $2,634
Travelers $2,516
USAA $2,285

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Category Winners: Cheapest Car Insurance in Medford, Oregon

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

Best Annual Car Insurance Rates by Company in Medford, Oregon

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

Cheapest Medford, OR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Medford, Oregon

Insurance Company Low Medium High
Allstate $4,099 $4,258 $4,446
American Family $3,228 $3,428 $3,074
Farmers $2,982 $3,134 $3,406
GEICO $2,590 $2,826 $3,024
Liberty Mutual $3,888 $4,147 $4,441
Nationwide $2,943 $3,155 $3,116
Progressive $2,984 $3,073 $3,203
State Farm $2,480 $2,639 $2,785
Travelers $2,365 $2,503 $2,679
USAA $2,185 $2,287 $2,382

What affects car insurance rates in Medford, Oregon?

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

Car Theft in Medford

High levels of vehicle theft can make car insurance more expensive. Medford, OR car theft statistics from the FBI indicate 359 vehicle thefts a year.

Commute Time in Medford

The more time you spend in your car the higher the risk of an accident. The average commute length in Medford, OR is 16.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Medford, OR

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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