Affordable Car Insurance Rates in Elgin, OR (2021)
Car insurance rates in Elgin, OR are $254/month on average. By law, Oregon drivers need to carry at least 25/50/20 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Elgin car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- The cheapest car insurance company in Elgin for teen drivers is State Farm
- Average car insurance rates in Elgin, OR are $254/month
- Average car insurance rates in Elgin, OR for senior drivers are $1,789/year
Average car insurance rates in Elgin, Oregon are $254 a month. But with a little research you can get a great deal from the top car insurance companies in Elgin, OR. Before you buy Elgin, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.
It may even be helpful to compare Elgin car insurance rates with Bend car insurance rates, Medford car insurance rates, or Springfield car insurance rates to make sure you’re getting the best Elgin, OR car insurance quotes available.
Need affordable Elgin, OR car insurance? Enter your ZIP code to compare Elgin car insurance quotes from multiple car insurance companies near you.
Table of Contents
Elgin, OR Minimum Car Insurance Coverage
Elgin, Oregon law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.
| 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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Elgin, OR Car Insurance Rates by Coverage Level
Some Elgin drivers can get by with the Oregon minimum coverage of 25/50/20. Other drivers may need more. See how much your Elgin, Oregon car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,152 | $4,259 | $4,391 |
| American Family | $3,055 | $3,230 | $2,890 |
| Farmers | $3,284 | $3,431 | $3,694 |
| GEICO | $2,783 | $2,983 | $3,148 |
| Liberty Mutual | $3,491 | $3,681 | $3,897 |
| Nationwide | $2,530 | $2,709 | $2,680 |
| Progressive | $3,285 | $3,378 | $3,513 |
| State Farm | $2,040 | $2,147 | $2,251 |
| Travelers | $2,206 | $2,298 | $2,418 |
| USAA | $2,405 | $2,503 | $2,595 |
Elgin, OR Car Insurance Rates by Age, Gender, and Marital Status
Elgin, Oregon car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Elgin, OR car insurance, get quotes from multiple car insurance companies in the Elgin area and see how these criteria affect your rates.
| 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 | $2,833 | $2,650 | $2,566 | $2,593 | $8,216 | $9,219 | $3,010 | $3,052 |
| American Family | $2,021 | $2,021 | $1,801 | $1,801 | $4,951 | $7,723 | $2,021 | $2,123 |
| Farmers | $1,956 | $1,907 | $1,733 | $1,838 | $7,859 | $8,010 | $2,196 | $2,260 |
| GEICO | $2,225 | $2,145 | $2,037 | $2,021 | $5,675 | $5,214 | $2,373 | $2,080 |
| Liberty Mutual | $2,445 | $2,579 | $2,122 | $2,350 | $7,343 | $7,906 | $2,370 | $2,405 |
| Nationwide | $1,882 | $1,883 | $1,678 | $1,761 | $4,186 | $5,250 | $2,178 | $2,301 |
| Progressive | $1,838 | $1,679 | $1,585 | $1,635 | $7,641 | $8,445 | $2,205 | $2,106 |
| State Farm | $1,306 | $1,306 | $1,184 | $1,184 | $3,997 | $5,015 | $1,478 | $1,700 |
| Travelers | $1,585 | $1,597 | $1,400 | $1,456 | $4,156 | $4,915 | $1,662 | $1,691 |
| USAA | $1,576 | $1,540 | $1,538 | $1,503 | $4,647 | $5,037 | $2,030 | $2,135 |
Elgin, OR Car Insurance Rates for Teens
How much is Elgin, Oregon car insurance for teens? Compare rates from top Elgin car insurance companies below to help find the cheapest teen car insurance in Elgin, OR.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,216 | $9,219 |
| American Family | $4,951 | $7,723 |
| Farmers | $7,859 | $8,010 |
| GEICO | $5,675 | $5,214 |
| Liberty Mutual | $7,343 | $7,906 |
| Nationwide | $4,186 | $5,250 |
| Progressive | $7,641 | $8,445 |
| State Farm | $3,997 | $5,015 |
| Travelers | $4,156 | $4,915 |
| USAA | $4,647 | $5,037 |
Elgin, OR Car Insurance Rates for Seniors
Before seniors buy Elgin, Oregon car insurance, they should make sure to shop around. Some Elgin, OR car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,566 | $2,593 |
| American Family | $1,801 | $1,801 |
| Farmers | $1,733 | $1,838 |
| GEICO | $2,037 | $2,021 |
| Liberty Mutual | $2,122 | $2,350 |
| Nationwide | $1,678 | $1,761 |
| Progressive | $1,585 | $1,635 |
| State Farm | $1,184 | $1,184 |
| Travelers | $1,400 | $1,456 |
| USAA | $1,538 | $1,503 |
Elgin, OR Car Insurance Rates by Credit History
How does your credit history affect Elgin, OR car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,596 | $3,946 | $3,260 |
| American Family | $3,888 | $2,862 | $2,424 |
| Farmers | $4,018 | $3,282 | $3,110 |
| GEICO | $3,583 | $2,971 | $2,359 |
| Liberty Mutual | $5,412 | $3,186 | $2,471 |
| Nationwide | $3,189 | $2,530 | $2,201 |
| Progressive | $3,827 | $3,290 | $3,059 |
| State Farm | $2,994 | $1,913 | $1,531 |
| Travelers | $2,904 | $2,248 | $1,771 |
| USAA | $3,751 | $2,089 | $1,663 |
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Elgin, OR Car Insurance Rates by Driver History
How does a single speeding ticket affect your Elgin, Oregon car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Elgin.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,470 | $4,623 | $4,777 | $4,199 |
| American Family | $2,122 | $3,288 | $4,101 | $2,720 |
| Farmers | $2,924 | $3,765 | $3,681 | $3,509 |
| GEICO | $1,975 | $3,111 | $4,060 | $2,739 |
| Liberty Mutual | $3,277 | $3,654 | $4,191 | $3,638 |
| Nationwide | $2,242 | $2,399 | $3,385 | $2,533 |
| Progressive | $2,565 | $4,644 | $3,302 | $3,057 |
| State Farm | $1,914 | $2,471 | $2,100 | $2,100 |
| Travelers | $1,881 | $2,395 | $2,659 | $2,294 |
| USAA | $1,828 | $2,530 | $3,511 | $2,135 |
Elgin, OR Car Insurance Rates With a DUI
Even a single DUI can increase your Elgin, OR car insurance rates. Compare rates below to see which Elgin car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,777 |
| American Family | $4,101 |
| Farmers | $3,681 |
| GEICO | $4,060 |
| Liberty Mutual | $4,191 |
| Nationwide | $3,385 |
| Progressive | $3,302 |
| State Farm | $2,100 |
| Travelers | $2,659 |
| USAA | $3,511 |
Elgin, OR Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Elgin, OR car insurance rates may be. Let’s take a look at average car insurance rates from top Elgin companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,267 | $4,267 |
| American Family | $3,011 | $3,105 |
| Farmers | $3,470 | $3,470 |
| GEICO | $2,921 | $3,022 |
| Liberty Mutual | $3,690 | $3,690 |
| Nationwide | $2,640 | $2,640 |
| Progressive | $3,392 | $3,392 |
| State Farm | $2,093 | $2,199 |
| Travelers | $2,217 | $2,398 |
| USAA | $2,429 | $2,573 |
Elgin, OR Cheapest Car Insurance Rates
How do the top Elgin, Oregon car insurance companies’ average rates stack up against the Elgin average monthly car insurance rates of $254? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Elgin, OR Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Elgin, Oregon car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,267 |
| American Family | $3,058 |
| Farmers | $3,470 |
| GEICO | $2,971 |
| Liberty Mutual | $3,690 |
| Nationwide | $2,640 |
| Progressive | $3,392 |
| State Farm | $2,146 |
| Travelers | $2,308 |
| USAA | $2,501 |
Other Factors Affecting Elgin, OR Car Insurance Rates
Before you buy Elgin, Oregon car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Elgin, OR Commute Time
How does your Elgin, OR commute time compare with the average driver? In Elgin, the average commute is 22.7 minutes.
Elgin, OR Traffic
Spending time in Elgin traffic can lead to higher car insurance rates. According to INRIX data, Elgin, OR ranks as the 862nd-most congested with traffic in the world.
Elgin, OR Car Insurance Quotes
Compare Elgin, OR car insurance quotes from multiple companies by entering your ZIP code now.