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 Happy Valley for teen drivers is USAA
  • Average car insurance rates in Happy Valley, OR for senior drivers are $2,539/year
  • The cheapest car insurance company in Happy Valley after a DUI is State Farm

Average car insurance rates in Happy Valley, Oregon are $369 a month. But with a little research you can get a great deal from the top car insurance companies in Happy Valley, OR. Before you buy Happy Valley, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

It may even be helpful to compare Happy Valley car insurance rates with Medford car insurance rates, Beaverton car insurance rates, or Corvallis car insurance rates to make sure you’re getting the best Happy Valley, OR car insurance quotes available.

Need affordable Happy Valley, OR car insurance? Enter your ZIP code to compare Happy Valley car insurance quotes from multiple car insurance companies near you.

Happy Valley, OR Minimum Car Insurance Coverage

Happy Valley, 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 Happy Valley, 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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Happy Valley, OR Car Insurance Rates by Coverage Level

Some Happy Valley drivers can get by with the Oregon minimum coverage of 25/50/20. Other drivers may need more. See how much your Happy Valley, Oregon car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Happy Valley, Oregon

Insurance Company Low Medium High
Allstate $5,256 $5,491 $5,763
American Family $4,417 $4,716 $4,227
Farmers $4,647 $4,951 $5,496
GEICO $3,415 $3,795 $4,104
Liberty Mutual $5,307 $5,687 $6,116
Nationwide $4,046 $4,406 $4,400
Progressive $4,735 $4,920 $5,190
State Farm $3,492 $3,721 $3,924
Travelers $3,575 $3,864 $4,236
USAA $2,859 $3,001 $3,131

Happy Valley, OR Car Insurance Rates by Age, Gender, and Marital Status

Happy Valley, Oregon car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Happy Valley, OR car insurance, get quotes from multiple car insurance companies in the Happy Valley area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Happy Valley, 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 $3,575 $3,301 $3,273 $3,299 $10,997 $12,203 $3,696 $3,685
American Family $2,904 $2,904 $2,586 $2,586 $7,256 $11,450 $2,904 $3,034
Farmers $2,679 $2,642 $2,357 $2,517 $11,811 $12,193 $2,995 $3,054
GEICO $2,786 $2,690 $2,625 $2,666 $7,307 $6,608 $2,967 $2,522
Liberty Mutual $3,632 $3,826 $3,153 $3,515 $11,842 $12,753 $3,454 $3,451
Nationwide $2,978 $2,948 $2,648 $2,762 $7,011 $8,753 $3,497 $3,675
Progressive $2,600 $2,334 $2,264 $2,334 $11,465 $12,606 $3,095 $2,889
State Farm $2,178 $2,178 $2,006 $2,006 $7,100 $8,915 $2,477 $2,837
Travelers $2,434 $2,480 $2,235 $2,341 $7,338 $9,156 $2,544 $2,606
USAA $1,848 $1,786 $1,845 $1,769 $5,741 $6,134 $2,387 $2,465

Happy Valley, OR Car Insurance Rates for Teens

How much is Happy Valley, Oregon car insurance for teens? Compare rates from top Happy Valley car insurance companies below to help find the cheapest teen car insurance in Happy Valley, OR.

Annual Car Insurance Rates for Teen Drivers in Happy Valley, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,997 $12,203
American Family $7,256 $11,450
Farmers $11,811 $12,193
GEICO $7,307 $6,608
Liberty Mutual $11,842 $12,753
Nationwide $7,011 $8,753
Progressive $11,465 $12,606
State Farm $7,100 $8,915
Travelers $7,338 $9,156
USAA $5,741 $6,134

Happy Valley, OR Car Insurance Rates for Seniors

Before seniors buy Happy Valley, Oregon car insurance, they should make sure to shop around. Some Happy Valley, OR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Happy Valley, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,273 $3,299
American Family $2,586 $2,586
Farmers $2,357 $2,517
GEICO $2,625 $2,666
Liberty Mutual $3,153 $3,515
Nationwide $2,648 $2,762
Progressive $2,264 $2,334
State Farm $2,006 $2,006
Travelers $2,235 $2,341
USAA $1,845 $1,769

Happy Valley, OR Car Insurance Rates by Credit History

How does your credit history affect Happy Valley, OR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Happy Valley, Oregon

Insurance Company Poor Fair Good
Allstate $7,241 $5,083 $4,187
American Family $5,653 $4,180 $3,526
Farmers $5,764 $4,787 $4,542
GEICO $4,553 $3,771 $2,989
Liberty Mutual $8,393 $4,929 $3,788
Nationwide $5,187 $4,110 $3,555
Progressive $5,549 $4,812 $4,484
State Farm $5,190 $3,305 $2,641
Travelers $4,807 $3,837 $3,031
USAA $4,495 $2,503 $1,992

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Happy Valley, OR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Happy Valley, Oregon car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Happy Valley.

Annual Happy Valley, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,401 $5,999 $6,206 $5,408
American Family $3,106 $4,700 $6,021 $3,985
Farmers $4,250 $5,486 $5,361 $5,027
GEICO $2,461 $3,967 $5,268 $3,389
Liberty Mutual $5,047 $5,658 $6,490 $5,618
Nationwide $3,620 $3,883 $5,528 $4,105
Progressive $3,696 $6,869 $4,800 $4,428
State Farm $3,279 $4,318 $3,625 $3,625
Travelers $3,141 $4,025 $4,572 $3,829
USAA $2,164 $3,039 $4,246 $2,539

Happy Valley, OR Car Insurance Rates With a DUI

Even a single DUI can increase your Happy Valley, OR car insurance rates. Compare rates below to see which Happy Valley car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Happy Valley, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,206
American Family $6,021
Farmers $5,361
GEICO $5,268
Liberty Mutual $6,490
Nationwide $5,528
Progressive $4,800
State Farm $3,625
Travelers $4,572
USAA $4,246

Happy Valley, OR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Happy Valley, OR car insurance rates may be. Let’s take a look at average car insurance rates from top Happy Valley companies based on commute time.

Annual Car Insurance Rates by Commute Length in Happy Valley, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,504 $5,504
American Family $4,384 $4,522
Farmers $5,031 $5,031
GEICO $3,712 $3,831
Liberty Mutual $5,703 $5,703
Nationwide $4,284 $4,284
Progressive $4,948 $4,948
State Farm $3,614 $3,810
Travelers $3,734 $4,049
USAA $2,911 $3,083

Happy Valley, OR Cheapest Car Insurance Rates

How do the top Happy Valley, Oregon car insurance companies’ average rates stack up against the Happy Valley average monthly car insurance rates of $369? Take a look and see.

Best Annual Car Insurance Rates by Company in Happy Valley, Oregon

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Happy Valley, OR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Happy Valley, Oregon car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Happy Valley, Oregon

Insurance Company Average Annual Rates
Allstate $5,504
American Family $4,453
Farmers $5,031
GEICO $3,771
Liberty Mutual $5,703
Nationwide $4,284
Progressive $4,948
State Farm $3,712
Travelers $3,892
USAA $2,997

Other Factors Affecting Happy Valley, OR Car Insurance Rates

Before you buy Happy Valley, Oregon car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Happy Valley, OR Commute Time

How does your Happy Valley, OR commute time compare with the average driver? In Happy Valley, the average commute is 29.8 minutes.

Happy Valley, OR Car Insurance Quotes

Compare Happy Valley, OR car insurance quotes from multiple companies by entering your ZIP code now.