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 Klamath Falls for teen drivers is USAA
  • Average car insurance rates in Klamath Falls, OR are $275/month
  • Average car insurance rates in Klamath Falls, OR for senior drivers are $1,926/year

Average car insurance rates in Klamath Falls, Oregon are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Klamath Falls, OR. Before you buy Klamath Falls, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

It may even be helpful to compare Klamath Falls car insurance rates with Salem car insurance rates, Corvallis car insurance rates, or Hillsboro car insurance rates to make sure you’re getting the best Klamath Falls, OR car insurance quotes available.

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

Klamath Falls, OR Minimum Car Insurance Coverage

Klamath Falls, 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 Klamath Falls, 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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Klamath Falls, OR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Klamath Falls, Oregon

Insurance Company Low Medium High
Allstate $4,250 $4,400 $4,579
American Family $3,228 $3,428 $3,074
Farmers $3,205 $3,357 $3,628
GEICO $3,001 $3,248 $3,453
Liberty Mutual $4,081 $4,343 $4,643
Nationwide $2,915 $3,122 $3,087
Progressive $3,484 $3,581 $3,724
State Farm $2,473 $2,614 $2,746
Travelers $2,527 $2,652 $2,810
USAA $2,315 $2,416 $2,511

Klamath Falls, OR Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Klamath Falls, 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 $2,919 $2,726 $2,649 $2,678 $8,552 $9,539 $3,090 $3,124
American Family $2,134 $2,134 $1,903 $1,903 $5,264 $8,240 $2,134 $2,236
Farmers $1,904 $1,857 $1,688 $1,794 $7,725 $7,868 $2,138 $2,197
GEICO $2,410 $2,329 $2,225 $2,225 $6,204 $5,677 $2,569 $2,233
Liberty Mutual $2,796 $2,951 $2,433 $2,702 $8,924 $9,628 $2,694 $2,716
Nationwide $2,141 $2,138 $1,906 $1,997 $4,892 $6,129 $2,495 $2,634
Progressive $1,925 $1,748 $1,664 $1,717 $8,187 $9,032 $2,305 $2,190
State Farm $1,566 $1,566 $1,428 $1,428 $4,918 $6,170 $1,775 $2,040
Travelers $1,792 $1,785 $1,601 $1,655 $4,893 $5,838 $1,862 $1,876
USAA $1,507 $1,465 $1,487 $1,438 $4,562 $4,906 $1,933 $2,013

Klamath Falls, OR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Klamath Falls, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,552 $9,539
American Family $5,264 $8,240
Farmers $7,725 $7,868
GEICO $6,204 $5,677
Liberty Mutual $8,924 $9,628
Nationwide $4,892 $6,129
Progressive $8,187 $9,032
State Farm $4,918 $6,170
Travelers $4,893 $5,838
USAA $4,562 $4,906

Klamath Falls, OR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Klamath Falls, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,649 $2,678
American Family $1,903 $1,903
Farmers $1,688 $1,794
GEICO $2,225 $2,225
Liberty Mutual $2,433 $2,702
Nationwide $1,906 $1,997
Progressive $1,664 $1,717
State Farm $1,428 $1,428
Travelers $1,601 $1,655
USAA $1,487 $1,438

Klamath Falls, OR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Klamath Falls, Oregon

Insurance Company Poor Fair Good
Allstate $5,786 $4,077 $3,367
American Family $4,117 $3,040 $2,573
Farmers $3,930 $3,213 $3,045
GEICO $3,902 $3,234 $2,566
Liberty Mutual $6,382 $3,771 $2,913
Nationwide $3,680 $2,918 $2,527
Progressive $4,050 $3,491 $3,248
State Farm $3,647 $2,326 $1,861
Travelers $3,357 $2,599 $2,032
USAA $3,615 $2,018 $1,608

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Klamath Falls, OR Car Insurance Rates by Driver History

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

Annual Klamath Falls, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,577 $4,783 $4,941 $4,338
American Family $2,254 $3,476 $4,356 $2,888
Farmers $2,860 $3,688 $3,606 $3,432
GEICO $2,137 $3,387 $4,453 $2,957
Liberty Mutual $3,856 $4,317 $4,959 $4,290
Nationwide $2,580 $2,762 $3,905 $2,918
Progressive $2,717 $4,933 $3,499 $3,236
State Farm $2,319 $3,020 $2,553 $2,553
Travelers $2,157 $2,769 $3,089 $2,636
USAA $1,756 $2,444 $3,403 $2,053

Klamath Falls, OR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Klamath Falls, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,941
American Family $4,356
Farmers $3,606
GEICO $4,453
Liberty Mutual $4,959
Nationwide $3,905
Progressive $3,499
State Farm $2,553
Travelers $3,089
USAA $3,403

Klamath Falls, OR Car Insurance Rates by ZIP Code

Just like Klamath Falls car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Klamath Falls, OR car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Klamath Falls, Oregon

ZIP Code Average Annual Rates
97601 $3,090
97603 $3,061

Klamath Falls, OR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Klamath Falls, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,410 $4,410
American Family $3,194 $3,293
Farmers $3,396 $3,396
GEICO $3,180 $3,287
Liberty Mutual $4,355 $4,355
Nationwide $3,041 $3,041
Progressive $3,596 $3,596
State Farm $2,545 $2,677
Travelers $2,557 $2,769
USAA $2,345 $2,483

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Klamath Falls, OR Cheapest Car Insurance Rates

How do the top Klamath Falls, Oregon car insurance companies’ average rates stack up against the Klamath Falls average monthly car insurance rates of $275? Take a look and see.

Best Annual Car Insurance Rates by Company in Klamath Falls, 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

Klamath Falls, OR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Klamath Falls, Oregon

Insurance Company Average Annual Rates
Allstate $4,410
American Family $3,243
Farmers $3,396
GEICO $3,234
Liberty Mutual $4,355
Nationwide $3,041
Progressive $3,596
State Farm $2,611
Travelers $2,663
USAA $2,414

Other Factors Affecting Klamath Falls, OR Car Insurance Rates

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

Klamath Falls, OR Car Theft Rates

The car theft rate in Klamath Falls, OR will affect your car insurance rates. FBI data shows that the annual car theft rate for Klamath Falls, Oregon is 131 stolen cars.

Klamath Falls, OR Commute Time

How does your Klamath Falls, OR commute time compare with the average driver? In Klamath Falls, the average commute is 12.4 minutes.

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Klamath Falls, OR Car Insurance Quotes

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