Best Philomath, Oregon Auto Insurance in 2024
The average Philomath, OR auto insurance rates are $268 per month. The minimum auto insurance in Philomath is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Philomath, Oregon, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Philomath is USAA
- Average auto insurance rates in Philomath, OR for senior drivers are $1,876 per year
- The minimum auto insurance required in Philomath, Oregon is 25/50/20
Philomath, Oregon auto insurance requirements are 25/50/20 according to Oregon auto insurance laws. Finding cheap auto insurance in Philomath can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Philomath, Oregon, including driving record, credit, commute time, and more.
Compare auto insurance in Philomath to other Oregon cities, including Salem auto insurance rates, Beaverton auto insurance rates, and Bend auto insurance rates to see how Philomath, Oregon auto insurance rates stack up.
Before you buy Philomath, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Philomath, Oregon auto insurance quotes.
Minimum Auto Insurance in Philomath, Oregon
Philomath, Oregon auto insurance laws require that you have at least the Oregon minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Philomath, 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 |
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Cheap Philomath, Oregon Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Philomath, Oregon are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,208 | $2,987 | $2,925 | $2,957 | $9,659 | $10,756 | $3,368 | $3,384 |
| American Family | $2,116 | $2,116 | $1,888 | $1,888 | $5,228 | $8,202 | $2,116 | $2,216 |
| Farmers | $1,881 | $1,828 | $1,659 | $1,765 | $7,724 | $7,868 | $2,098 | $2,142 |
| Geico | $2,165 | $2,088 | $2,022 | $2,040 | $5,590 | $5,086 | $2,304 | $1,985 |
| Liberty Mutual | $2,656 | $2,804 | $2,304 | $2,562 | $8,455 | $9,138 | $2,564 | $2,592 |
| Nationwide | $2,125 | $2,116 | $1,895 | $1,981 | $4,910 | $6,142 | $2,483 | $2,618 |
| Progressive | $1,667 | $1,516 | $1,449 | $1,490 | $7,141 | $7,876 | $1,993 | $1,896 |
| State Farm | $1,467 | $1,467 | $1,344 | $1,344 | $4,679 | $5,868 | $1,665 | $1,911 |
| Travelers | $1,680 | $1,702 | $1,520 | $1,585 | $4,786 | $5,824 | $1,758 | $1,795 |
| USAA | $1,492 | $1,448 | $1,477 | $1,427 | $4,487 | $4,816 | $1,915 | $1,989 |
Cheap Philomath, Oregon Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Philomath, Oregon is a challenge. Take a look at the annual teen auto insurance rates in Philomath, Oregon.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,659 | $10,756 |
| American Family | $5,228 | $8,202 |
| Farmers | $7,724 | $7,868 |
| Geico | $5,590 | $5,086 |
| Liberty Mutual | $8,455 | $9,138 |
| Nationwide | $4,910 | $6,142 |
| Progressive | $7,141 | $7,876 |
| State Farm | $4,679 | $5,868 |
| Travelers | $4,786 | $5,824 |
| USAA | $4,487 | $4,816 |
Cheap Philomath, Oregon Auto Insurance for Seniors
What are senior auto insurance rates in Philomath, Oregon? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,925 | $2,957 |
| American Family | $1,888 | $1,888 |
| Farmers | $1,659 | $1,765 |
| Geico | $2,022 | $2,040 |
| Liberty Mutual | $2,304 | $2,562 |
| Nationwide | $1,895 | $1,981 |
| Progressive | $1,449 | $1,490 |
| State Farm | $1,344 | $1,344 |
| Travelers | $1,520 | $1,585 |
| USAA | $1,477 | $1,427 |
Cheap Philomath, Oregon Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Philomath, Oregon compared to the annual auto insurance rates with a clean record in Philomath, Oregon.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,954 | $5,332 | $5,514 | $4,824 |
| American Family | $2,238 | $3,453 | $4,326 | $2,868 |
| Farmers | $2,842 | $3,661 | $3,582 | $3,398 |
| Geico | $1,918 | $3,058 | $4,019 | $2,645 |
| Liberty Mutual | $3,665 | $4,097 | $4,702 | $4,072 |
| Nationwide | $2,577 | $2,758 | $3,890 | $2,911 |
| Progressive | $2,374 | $4,285 | $3,041 | $2,814 |
| State Farm | $2,187 | $2,861 | $2,412 | $2,412 |
| Travelers | $2,099 | $2,682 | $2,991 | $2,554 |
| USAA | $1,733 | $2,416 | $3,350 | $2,027 |
Cheap Philomath, Oregon Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Philomath, Oregon is not easy. Compare the annual rates for DUI auto insurance in Philomath, Oregon to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,514 |
| American Family | $4,326 |
| Farmers | $3,582 |
| Geico | $4,019 |
| Liberty Mutual | $4,702 |
| Nationwide | $3,890 |
| Progressive | $3,041 |
| State Farm | $2,412 |
| Travelers | $2,991 |
| USAA | $3,350 |
Cheap Philomath, Oregon Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Philomath, Oregon annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,446 | $4,533 | $3,738 |
| American Family | $4,084 | $3,021 | $2,558 |
| Farmers | $3,907 | $3,187 | $3,018 |
| Geico | $3,509 | $2,910 | $2,311 |
| Liberty Mutual | $6,053 | $3,580 | $2,771 |
| Nationwide | $3,660 | $2,913 | $2,530 |
| Progressive | $3,511 | $3,039 | $2,835 |
| State Farm | $3,446 | $2,199 | $1,760 |
| Travelers | $3,206 | $2,536 | $2,002 |
| USAA | $3,558 | $1,994 | $1,591 |
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Cheap Philomath, Oregon Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Philomath, Oregon can vary. Compare the annual cost of auto insurance by ZIP code in Philomath, Oregon to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 97370 | $3,027 |
Cheap Philomath, Oregon Auto Insurance Rates By Commute
Commute length and annual mileage affect Philomath, Oregon auto insurance. Find the cheapest annual Philomath, Oregon auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,906 | $4,906 |
| American Family | $3,172 | $3,270 |
| Farmers | $3,371 | $3,371 |
| Geico | $2,862 | $2,959 |
| Liberty Mutual | $4,134 | $4,134 |
| Nationwide | $3,034 | $3,034 |
| Progressive | $3,129 | $3,129 |
| State Farm | $2,405 | $2,531 |
| Travelers | $2,479 | $2,684 |
| USAA | $2,313 | $2,449 |
Cheap Philomath, Oregon Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Philomath, Oregon? Check out the comparison of annual Philomath, Oregon auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,707 | $4,895 | $5,115 |
| American Family | $3,200 | $3,406 | $3,058 |
| Farmers | $3,169 | $3,329 | $3,615 |
| Geico | $2,657 | $2,926 | $3,148 |
| Liberty Mutual | $3,876 | $4,124 | $4,403 |
| Nationwide | $2,884 | $3,117 | $3,101 |
| Progressive | $3,029 | $3,115 | $3,241 |
| State Farm | $2,329 | $2,471 | $2,604 |
| Travelers | $2,433 | $2,568 | $2,742 |
| USAA | $2,272 | $2,384 | $2,488 |
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Best By Category: Cheapest Auto Insurance in Philomath, Oregon
Compare the cheapest auto insurance companies in Philomath, Oregon in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Philomath, Oregon Auto Insurance Companies
What auto insurance companies in Philomath, Oregon are the cheapest? Compare the top Philomath, Oregon auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,906 |
| American Family | $3,221 |
| Farmers | $3,371 |
| Geico | $2,910 |
| Liberty Mutual | $4,134 |
| Nationwide | $3,034 |
| Progressive | $3,129 |
| State Farm | $2,468 |
| Travelers | $2,581 |
| USAA | $2,381 |
What affects auto insurance rates in Philomath, Oregon?
There are a lot of reasons why auto insurance rates in Philomath, Oregon are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Philomath, Oregon. Many local factors may affect your Philomath auto insurance rates.
Philomath Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Philomath, Oregon auto theft statistics, there have been 2 auto thefts in the city.
Philomath Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Philomath, Oregon commute length is 20.8 minutes according to City-Data.
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Compare Philomath, Oregon Auto Insurance Quotes
Before you buy Philomath, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Philomath, Oregon auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Philomath, OR?
Yes, auto insurance is mandatory in Philomath, OR, as it is in the rest of Oregon. The state requires drivers to carry liability insurance coverage, which helps pay for the damages or injuries caused to others in an accident.
What are the minimum auto insurance requirements in Philomath, OR?
In Philomath, OR, drivers must carry at least the following minimum liability insurance coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
Can I drive without insurance in Philomath, OR?
No, driving without insurance in Philomath, OR is illegal. If you are caught driving without insurance, you may face penalties such as fines, license suspension, and vehicle impoundment.
What other types of auto insurance coverage are available in Philomath, OR?
In addition to liability insurance, you have the option to purchase other types of auto insurance coverage in Philomath, OR. These may include:
- Collision coverage: Pays for repairs to your vehicle after a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for damages to your vehicle caused by non-collision incidents, such as theft, vandalism, or weather-related events.
- Medical payments coverage: Helps cover medical expenses for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance.
How can I find affordable auto insurance in Philomath, OR?
To find affordable auto insurance in Philomath, OR, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid traffic violations.
- Increase your deductible, if you can afford to pay more out of pocket in case of a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to get a discount.
- Inquire about available discounts, such as safe driver discounts, multi-car discounts, or student discounts.
What should I do after an auto accident in Philomath, OR?
After an auto accident in Philomath, OR, follow these steps:
- Ensure your safety and the safety of others involved. Move to a safe location if possible.
- Call the police to report the accident.
- Exchange contact, insurance, and vehicle information with the other party involved.
- Take pictures of the accident scene and any damages to vehicles.
- Notify your insurance company and provide them with accurate details of the accident.
- Seek medical attention if necessary.
- Cooperate with your insurance company’s investigation of the accident.
Can I get insurance coverage for my rental car in Philomath, OR?
Yes, you can typically get insurance coverage for a rental car in Philomath, OR. Your personal auto insurance policy may provide coverage for rental vehicles. Additionally, rental car companies offer their own insurance options. Review your existing coverage and consider the rental car company’s insurance offers to determine the best option for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.