Best Cheap Auto Insurance in Umpqua, OR (2021)

The average Umpqua, OR auto insurance rates are $264 per month. The minimum auto insurance in Umpqua is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Umpqua, Oregon, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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 Umpqua for teen drivers is Allstate
  • The minimum auto insurance required in Umpqua, Oregon is 25/50/20
  • Average auto insurance rates in Umpqua, OR for senior drivers are $1,856 per year

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

Compare auto insurance in Umpqua to other Oregon cities, including Portland auto insurance rates, Hillsboro auto insurance rates, and Springfield auto insurance rates to see how Umpqua, Oregon auto insurance rates stack up.

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

Minimum Auto Insurance in Umpqua, Oregon

Umpqua, 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 Umpqua, Oregon.

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

Auto insurance rates in Umpqua, 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 Umpqua, 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 $2,913 $2,704 $2,654 $2,672 $8,536 $9,502 $3,042 $3,054
American Family $2,134 $2,134 $1,903 $1,903 $5,264 $8,240 $2,134 $2,236
Farmers $1,768 $1,729 $1,568 $1,664 $7,086 $7,229 $1,983 $2,041
GEICO $2,222 $2,143 $2,062 $2,068 $5,684 $5,180 $2,367 $2,047
Liberty Mutual $2,570 $2,701 $2,226 $2,467 $8,024 $8,623 $2,464 $2,487
Nationwide $2,113 $2,109 $1,882 $1,971 $4,807 $6,020 $2,460 $2,595
Progressive $1,951 $1,771 $1,693 $1,741 $8,416 $9,310 $2,339 $2,226
State Farm $1,405 $1,405 $1,283 $1,283 $4,422 $5,545 $1,593 $1,831
Travelers $1,681 $1,675 $1,501 $1,551 $4,517 $5,386 $1,746 $1,759
USAA $1,561 $1,516 $1,540 $1,490 $4,725 $5,080 $2,005 $2,088

Cheap Umpqua, Oregon Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Umpqua, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,536 $9,502
American Family $5,264 $8,240
Farmers $7,086 $7,229
GEICO $5,684 $5,180
Liberty Mutual $8,024 $8,623
Nationwide $4,807 $6,020
Progressive $8,416 $9,310
State Farm $4,422 $5,545
Travelers $4,517 $5,386
USAA $4,725 $5,080

Cheap Umpqua, Oregon Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Umpqua, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,654 $2,672
American Family $1,903 $1,903
Farmers $1,568 $1,664
GEICO $2,062 $2,068
Liberty Mutual $2,226 $2,467
Nationwide $1,882 $1,971
Progressive $1,693 $1,741
State Farm $1,283 $1,283
Travelers $1,501 $1,551
USAA $1,540 $1,490

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

Annual Umpqua, Oregon Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,550 $4,768 $4,912 $4,309
American Family $2,254 $3,476 $4,356 $2,888
Farmers $2,643 $3,399 $3,324 $3,169
GEICO $1,966 $3,120 $4,084 $2,716
Liberty Mutual $3,498 $3,912 $4,485 $3,886
Nationwide $2,539 $2,719 $3,848 $2,872
Progressive $2,778 $5,060 $3,577 $3,308
State Farm $2,083 $2,714 $2,293 $2,293
Travelers $2,008 $2,568 $2,881 $2,452
USAA $1,819 $2,536 $3,521 $2,127

Cheap Umpqua, Oregon Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Umpqua, Oregon

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,912
American Family $4,356
Farmers $3,324
GEICO $4,084
Liberty Mutual $4,485
Nationwide $3,848
Progressive $3,577
State Farm $2,293
Travelers $2,881
USAA $3,521

Cheap Umpqua, Oregon Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Umpqua, Oregon

Insurance Company Poor Fair Good
Allstate $5,752 $4,054 $3,348
American Family $4,117 $3,040 $2,573
Farmers $3,633 $2,961 $2,806
GEICO $3,583 $2,972 $2,360
Liberty Mutual $5,801 $3,406 $2,629
Nationwide $3,620 $2,872 $2,492
Progressive $4,136 $3,575 $3,331
State Farm $3,274 $2,090 $1,673
Travelers $3,128 $2,414 $1,889
USAA $3,743 $2,092 $1,667

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Umpqua, Oregon Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Umpqua, Oregon

ZIP Code Average Annual Rates
97486 $2,977

Cheap Umpqua, Oregon Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Umpqua, Oregon

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,385 $4,385
American Family $3,194 $3,293
Farmers $3,133 $3,133
GEICO $2,921 $3,022
Liberty Mutual $3,945 $3,945
Nationwide $2,995 $2,995
Progressive $3,681 $3,681
State Farm $2,286 $2,405
Travelers $2,379 $2,575
USAA $2,429 $2,572

Cheap Umpqua, Oregon Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Umpqua, Oregon

Insurance Company Low Medium High
Allstate $4,230 $4,375 $4,549
American Family $3,228 $3,428 $3,074
Farmers $2,950 $3,096 $3,355
GEICO $2,732 $2,985 $3,198
Liberty Mutual $3,731 $3,937 $4,168
Nationwide $2,871 $3,074 $3,039
Progressive $3,557 $3,665 $3,820
State Farm $2,220 $2,348 $2,470
Travelers $2,338 $2,465 $2,628
USAA $2,393 $2,503 $2,606

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 Umpqua, Oregon

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

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

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

Average Annual Auto Insurance Rates by Company in Umpqua, Oregon

Insurance Company Average Annual Rates
Allstate $4,385
American Family $3,243
Farmers $3,133
GEICO $2,972
Liberty Mutual $3,945
Nationwide $2,995
Progressive $3,681
State Farm $2,346
Travelers $2,477
USAA $2,501

Compare Umpqua, Oregon Auto Insurance Quotes

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