Best Cheap Auto Insurance in Philomath, OR (2021)

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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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Philomath, 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 $3,208 $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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Philomath, Oregon

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.

Annual Philomath, Oregon Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Philomath, Oregon

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.

Annual Auto Insurance Rates by Credit Score in Philomath, Oregon

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.

Annual Auto Insurance Rates by ZIP Code in Philomath, Oregon

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.

Annual Auto Insurance Rates by Commute Length in Philomath, Oregon

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.

Annual Auto Insurance Rates by Coverage Level in Philomath, Oregon

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.

Best Annual Auto Insurance Rates by Company in Philomath, Oregon

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.

Average Annual Auto Insurance Rates by Company in Philomath, Oregon

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.

Free Auto Insurance Comparison

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

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