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 Ontario after a DUI is State Farm
  • The annual number of car thefts in Ontario is 59.
  • The cheapest car insurance company in Ontario for teen drivers is USAA

Average car insurance rates in Ontario, Oregon are $251 a month. But with a little research you can get a great deal from the top car insurance companies in Ontario, OR. Before you buy Ontario, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

It may even be helpful to compare Ontario car insurance rates with Medford car insurance rates, Gresham car insurance rates, or Eugene car insurance rates to make sure you’re getting the best Ontario, OR car insurance quotes available.

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

Ontario, OR Minimum Car Insurance Coverage

Ontario, 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 Ontario, 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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Ontario, OR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ontario, Oregon

Insurance Company Low Medium High
Allstate $4,152 $4,259 $4,391
American Family $3,055 $3,230 $2,890
Farmers $3,228 $3,390 $3,680
GEICO $2,783 $2,983 $3,148
Liberty Mutual $3,554 $3,749 $3,972
Nationwide $2,530 $2,709 $2,680
Progressive $2,864 $2,947 $3,069
State Farm $2,124 $2,240 $2,352
Travelers $2,296 $2,426 $2,594
USAA $2,214 $2,309 $2,400

Ontario, OR Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ontario, 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 $1,920 $1,870 $1,696 $1,803 $7,838 $7,994 $2,144 $2,195
GEICO $2,225 $2,145 $2,037 $2,021 $5,675 $5,214 $2,373 $2,080
Liberty Mutual $2,478 $2,616 $2,151 $2,383 $7,500 $8,085 $2,407 $2,447
Nationwide $1,882 $1,883 $1,678 $1,761 $4,186 $5,250 $2,178 $2,301
Progressive $1,594 $1,451 $1,384 $1,425 $6,716 $7,400 $1,902 $1,808
State Farm $1,353 $1,353 $1,230 $1,230 $4,191 $5,258 $1,532 $1,762
Travelers $1,631 $1,638 $1,463 $1,519 $4,463 $5,373 $1,699 $1,722
USAA $1,458 $1,423 $1,428 $1,392 $4,286 $4,635 $1,873 $1,964

Ontario, OR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ontario, 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 $7,838 $7,994
GEICO $5,675 $5,214
Liberty Mutual $7,500 $8,085
Nationwide $4,186 $5,250
Progressive $6,716 $7,400
State Farm $4,191 $5,258
Travelers $4,463 $5,373
USAA $4,286 $4,635

Ontario, OR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ontario, 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 $1,696 $1,803
GEICO $2,037 $2,021
Liberty Mutual $2,151 $2,383
Nationwide $1,678 $1,761
Progressive $1,384 $1,425
State Farm $1,230 $1,230
Travelers $1,463 $1,519
USAA $1,428 $1,392

Ontario, OR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ontario, Oregon

Insurance Company Poor Fair Good
Allstate $5,596 $3,946 $3,260
American Family $3,888 $2,862 $2,424
Farmers $3,975 $3,246 $3,076
GEICO $3,583 $2,971 $2,359
Liberty Mutual $5,511 $3,246 $2,518
Nationwide $3,189 $2,530 $2,201
Progressive $3,329 $2,874 $2,677
State Farm $3,124 $1,995 $1,597
Travelers $3,057 $2,384 $1,875
USAA $3,461 $1,927 $1,534

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Ontario, OR Car Insurance Rates by Driver History

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

Annual Ontario, 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 $2,895 $3,727 $3,646 $3,462
GEICO $1,975 $3,111 $4,060 $2,739
Liberty Mutual $3,336 $3,721 $4,272 $3,705
Nationwide $2,242 $2,399 $3,385 $2,533
Progressive $2,246 $4,049 $2,880 $2,666
State Farm $1,993 $2,583 $2,190 $2,190
Travelers $1,980 $2,528 $2,834 $2,413
USAA $1,689 $2,339 $3,230 $1,971

Ontario, OR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ontario, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,777
American Family $4,101
Farmers $3,646
GEICO $4,060
Liberty Mutual $4,272
Nationwide $3,385
Progressive $2,880
State Farm $2,190
Travelers $2,834
USAA $3,230

Ontario, OR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ontario, 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 $3,433 $3,433
GEICO $2,921 $3,022
Liberty Mutual $3,758 $3,758
Nationwide $2,640 $2,640
Progressive $2,960 $2,960
State Farm $2,183 $2,295
Travelers $2,342 $2,535
USAA $2,241 $2,374

Ontario, OR Cheapest Car Insurance Rates

How do the top Ontario, Oregon car insurance companies’ average rates stack up against the Ontario average monthly car insurance rates of $251? Take a look and see.

Best Annual Car Insurance Rates by Company in Ontario, 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

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Ontario, OR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Ontario, Oregon

Insurance Company Average Annual Rates
Allstate $4,267
American Family $3,058
Farmers $3,433
GEICO $2,971
Liberty Mutual $3,758
Nationwide $2,640
Progressive $2,960
State Farm $2,239
Travelers $2,439
USAA $2,307

Other Factors Affecting Ontario, OR Car Insurance Rates

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

Ontario, OR Car Theft Rates

The car theft rate in Ontario, OR will affect your car insurance rates. FBI data shows that the annual car theft rate for Ontario, Oregon is 59 stolen cars.

Ontario, OR Commute Time

How does your Ontario, OR commute time compare with the average driver? In Ontario, the average commute is 15.8 minutes.

Ontario, OR Car Insurance Quotes

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