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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • 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.

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.

Minimum Required Car Insurance Coverage in Elgin, 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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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.

Annual Car Insurance Rates by Coverage Level in Elgin, Oregon

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elgin, 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 $2,833 $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.

Annual Car Insurance Rates for Teen Drivers in Elgin, Oregon

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.

Annual Car Insurance Rates for Senior Drivers in Elgin, Oregon

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.

Annual Car Insurance Rates by Credit Score in Elgin, Oregon

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.

Annual Elgin, Oregon Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Elgin, Oregon

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.

Annual Car Insurance Rates by Commute Length in Elgin, Oregon

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.

Best Annual Car Insurance Rates by Company in Elgin, Oregon

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.

Average Annual Car Insurance Rates by Company in Elgin, Oregon

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.