Best Cheap Auto Insurance in Independence, OR (2021)

The average Independence, OR auto insurance rates are $301 per month. The minimum auto insurance in Independence is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Independence, Oregon, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

  • The most expensive auto insurance company in Independence for teen drivers is Allstate
  • The average commute length in Independence is 25.2 minutes
  • Average auto insurance rates in Independence, OR for senior drivers are $2,094 per year

Independence, Oregon auto insurance requirements are 25/50/20 according to Oregon auto insurance laws. Finding cheap auto insurance in Independence 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 Independence, Oregon, including driving record, credit, commute time, and more.

Compare auto insurance in Independence to other Oregon cities, including Beaverton auto insurance rates, Corvallis auto insurance rates, and Portland auto insurance rates to see how Independence, Oregon auto insurance rates stack up.

Before you buy Independence, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Independence, Oregon auto insurance quotes.

Minimum Auto Insurance in Independence, Oregon

Independence, 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 Independence, Oregon.

Minimum Required Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Independence, Oregon Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Independence, Oregon are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Independence, Oregon Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Independence, Oregon is a challenge. Take a look at the annual teen auto insurance rates in Independence, Oregon.

Annual Auto 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

Cheap Independence, Oregon Auto Insurance for Seniors

What are senior auto insurance rates in Independence, Oregon? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Independence, 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 Independence, Oregon compared to the annual auto insurance rates with a clean record in Independence, Oregon.

Annual Independence, Oregon Auto 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

Cheap Independence, Oregon Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Independence, Oregon is not easy. Compare the annual rates for DUI auto insurance in Independence, Oregon to find the best deal.

Annual Auto Insurance Rates After a DUI in Independence, Oregon

Insurance Company Annual Auto 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

Cheap Independence, Oregon Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Independence, Oregon annual auto insurance rates by credit history compare.

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Independence, Oregon Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Independence, Oregon can vary. Compare the annual cost of auto insurance by ZIP code in Independence, Oregon to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Independence, Oregon

ZIP Code Average Annual Rates
97351 $3,398

Cheap Independence, Oregon Auto Insurance Rates By Commute

Commute length and annual mileage affect Independence, Oregon auto insurance. Find the cheapest annual Independence, Oregon auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Independence, Oregon

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Independence, Oregon Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Independence, Oregon? Check out the comparison of annual Independence, Oregon auto insurance rates by coverage level.

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Independence, Oregon

Compare the cheapest auto insurance companies in Independence, Oregon in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Independence, Oregon Auto Insurance Companies

What auto insurance companies in Independence, Oregon are the cheapest? Compare the top Independence, Oregon auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Independence, Oregon?

There are a lot of reasons why auto insurance rates in Independence, Oregon are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Independence, Oregon. Many local factors may affect your Independence auto insurance rates.

Independence Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Independence, Oregon auto theft statistics, there have been 14 auto thefts in the city.

Independence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Independence, Oregon commute length is 25.2 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Independence, Oregon Auto Insurance Quotes

Before you buy Independence, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Independence, Oregon auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption