Best Cheap Auto Insurance in Prospect, OR (2021)

The average Prospect, OR auto insurance rates are $275 per month. The minimum auto insurance in Prospect is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Prospect, 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

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Prospect, OR for senior drivers are $1,932 per year
  • The minimum auto insurance required in Prospect, Oregon is 25/50/20
  • The cheapest auto insurance company in Prospect is USAA

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

Compare auto insurance in Prospect to other Oregon cities, including Hillsboro auto insurance rates, Eugene auto insurance rates, and Corvallis auto insurance rates to see how Prospect, Oregon auto insurance rates stack up.

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

Minimum Auto Insurance in Prospect, Oregon

Prospect, 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 Prospect, Oregon.

Minimum Required Auto Insurance Coverage in Prospect, 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 Prospect, Oregon Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Prospect, 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 Prospect, 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 $3,317 $3,092 $3,015 $3,049 $9,909 $11,041 $3,499 $3,525
American Family $2,134 $2,134 $1,903 $1,903 $5,264 $8,240 $2,134 $2,236
Farmers $1,890 $1,844 $1,675 $1,780 $7,687 $7,837 $2,125 $2,185
GEICO $2,371 $2,292 $2,186 $2,184 $6,097 $5,582 $2,527 $2,200
Liberty Mutual $2,665 $2,810 $2,322 $2,570 $8,370 $9,005 $2,570 $2,592
Nationwide $2,129 $2,121 $1,897 $1,985 $4,800 $5,995 $2,474 $2,602
Progressive $1,964 $1,783 $1,699 $1,751 $8,348 $9,220 $2,351 $2,234
State Farm $1,455 $1,455 $1,332 $1,332 $4,619 $5,796 $1,651 $1,894
Travelers $1,728 $1,737 $1,548 $1,608 $4,745 $5,704 $1,803 $1,830
USAA $1,485 $1,440 $1,473 $1,420 $4,505 $4,831 $1,904 $1,975

Cheap Prospect, Oregon Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Prospect, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,909 $11,041
American Family $5,264 $8,240
Farmers $7,687 $7,837
GEICO $6,097 $5,582
Liberty Mutual $8,370 $9,005
Nationwide $4,800 $5,995
Progressive $8,348 $9,220
State Farm $4,619 $5,796
Travelers $4,745 $5,704
USAA $4,505 $4,831

Cheap Prospect, Oregon Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Prospect, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,015 $3,049
American Family $1,903 $1,903
Farmers $1,675 $1,780
GEICO $2,186 $2,184
Liberty Mutual $2,322 $2,570
Nationwide $1,897 $1,985
Progressive $1,699 $1,751
State Farm $1,332 $1,332
Travelers $1,548 $1,608
USAA $1,473 $1,420

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

Annual Prospect, Oregon Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,085 $5,494 $5,674 $4,971
American Family $2,254 $3,476 $4,356 $2,888
Farmers $2,844 $3,668 $3,586 $3,413
GEICO $2,103 $3,330 $4,376 $2,910
Liberty Mutual $3,639 $4,076 $4,684 $4,052
Nationwide $2,544 $2,724 $3,855 $2,878
Progressive $2,767 $5,039 $3,569 $3,301
State Farm $2,165 $2,829 $2,386 $2,386
Travelers $2,101 $2,683 $3,005 $2,563
USAA $1,731 $2,416 $3,345 $2,024

Cheap Prospect, Oregon Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Prospect, Oregon

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,674
American Family $4,356
Farmers $3,586
GEICO $4,376
Liberty Mutual $4,684
Nationwide $3,855
Progressive $3,569
State Farm $2,386
Travelers $3,005
USAA $3,345

Cheap Prospect, Oregon Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Prospect, Oregon

Insurance Company Poor Fair Good
Allstate $6,645 $4,671 $3,851
American Family $4,117 $3,040 $2,573
Farmers $3,906 $3,197 $3,030
GEICO $3,836 $3,180 $2,524
Liberty Mutual $6,033 $3,558 $2,748
Nationwide $3,632 $2,874 $2,495
Progressive $4,132 $3,561 $3,313
State Farm $3,409 $2,175 $1,741
Travelers $3,245 $2,531 $1,988
USAA $3,573 $1,985 $1,580

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Cheap Prospect, Oregon Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Prospect, Oregon

ZIP Code Average Annual Rates
97536 $3,101

Cheap Prospect, Oregon Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Prospect, Oregon

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,056 $5,056
American Family $3,194 $3,293
Farmers $3,378 $3,378
GEICO $3,127 $3,232
Liberty Mutual $4,113 $4,113
Nationwide $3,000 $3,000
Progressive $3,669 $3,669
State Farm $2,379 $2,505
Travelers $2,485 $2,691
USAA $2,311 $2,447

Cheap Prospect, Oregon Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Prospect, Oregon

Insurance Company Low Medium High
Allstate $4,862 $5,045 $5,261
American Family $3,228 $3,428 $3,074
Farmers $3,188 $3,338 $3,607
GEICO $2,956 $3,193 $3,390
Liberty Mutual $3,874 $4,102 $4,364
Nationwide $2,875 $3,079 $3,047
Progressive $3,546 $3,653 $3,808
State Farm $2,305 $2,445 $2,576
Travelers $2,441 $2,575 $2,747
USAA $2,276 $2,381 $2,481

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Best By Category: Cheapest Auto Insurance in Prospect, Oregon

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

Best Annual Auto Insurance Rates by Company in Prospect, 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 Prospect, Oregon Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Prospect, Oregon

Insurance Company Average Annual Rates
Allstate $5,056
American Family $3,243
Farmers $3,378
GEICO $3,180
Liberty Mutual $4,113
Nationwide $3,000
Progressive $3,669
State Farm $2,442
Travelers $2,588
USAA $2,379

What affects auto insurance rates in Prospect, Oregon?

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

Prospect Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Prospect, Oregon auto theft statistics, there have been 0 auto thefts in the city.

Prospect Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Prospect, Oregon commute length is 17.5 minutes according to City-Data.

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Compare Prospect, Oregon Auto Insurance Quotes

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