A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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

  • Average car insurance rates in Springfield, OR are $263/month
  • The cheapest car insurance company in Springfield for teen drivers is USAA
  • Average car insurance rates in Springfield, OR for senior drivers are $1,844/year

Average car insurance rates in Springfield, Oregon are $263 a month. But with a little research you can get a great deal from the top car insurance companies in Springfield, OR. Before you buy Springfield, Oregon car insurance, make sure your coverage meets or exceeds the Oregon minimum of 25/50/20.

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

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

Springfield, OR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Springfield, Oregon

Insurance Company Low Medium High
Allstate $3,895 $4,054 $4,242
American Family $3,145 $3,348 $3,007
Farmers $3,136 $3,303 $3,602
GEICO $2,674 $2,938 $3,155
Liberty Mutual $3,792 $4,038 $4,314
Nationwide $3,092 $3,334 $3,309
Progressive $3,141 $3,240 $3,383
State Farm $2,336 $2,484 $2,622
Travelers $2,363 $2,495 $2,664
USAA $2,468 $2,585 $2,693

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Springfield, 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 $2,663 $2,479 $2,443 $2,468 $7,996 $8,905 $2,776 $2,779
American Family $2,082 $2,082 $1,857 $1,857 $5,136 $8,056 $2,082 $2,180
Farmers $1,858 $1,813 $1,642 $1,748 $7,679 $7,839 $2,076 $2,122
GEICO $2,187 $2,106 $2,042 $2,054 $5,605 $5,065 $2,331 $1,986
Liberty Mutual $2,567 $2,707 $2,227 $2,477 $8,387 $9,062 $2,469 $2,488
Nationwide $2,265 $2,255 $2,019 $2,109 $5,273 $6,592 $2,652 $2,794
Progressive $1,731 $1,565 $1,507 $1,552 $7,464 $8,212 $2,061 $1,945
State Farm $1,472 $1,472 $1,351 $1,351 $4,708 $5,910 $1,671 $1,913
Travelers $1,654 $1,661 $1,494 $1,549 $4,634 $5,602 $1,722 $1,745
USAA $1,605 $1,555 $1,595 $1,535 $4,908 $5,257 $2,063 $2,137

Springfield, OR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Springfield, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,996 $8,905
American Family $5,136 $8,056
Farmers $7,679 $7,839
GEICO $5,605 $5,065
Liberty Mutual $8,387 $9,062
Nationwide $5,273 $6,592
Progressive $7,464 $8,212
State Farm $4,708 $5,910
Travelers $4,634 $5,602
USAA $4,908 $5,257

Springfield, OR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Springfield, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,443 $2,468
American Family $1,857 $1,857
Farmers $1,642 $1,748
GEICO $2,042 $2,054
Liberty Mutual $2,227 $2,477
Nationwide $2,019 $2,109
Progressive $1,507 $1,552
State Farm $1,351 $1,351
Travelers $1,494 $1,549
USAA $1,595 $1,535

Springfield, OR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Springfield, Oregon

Insurance Company Poor Fair Good
Allstate $5,325 $3,759 $3,107
American Family $4,018 $2,970 $2,512
Farmers $3,871 $3,168 $3,002
GEICO $3,524 $2,922 $2,321
Liberty Mutual $5,917 $3,511 $2,716
Nationwide $3,919 $3,114 $2,702
Progressive $3,653 $3,163 $2,949
State Farm $3,464 $2,210 $1,769
Travelers $3,135 $2,458 $1,931
USAA $3,867 $2,159 $1,720

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Springfield, OR Car Insurance Rates by Driver History

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

Annual Springfield, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,275 $4,411 $4,571 $3,998
American Family $2,199 $3,398 $4,251 $2,818
Farmers $2,823 $3,637 $3,558 $3,370
GEICO $1,924 $3,079 $4,040 $2,645
Liberty Mutual $3,587 $4,016 $4,605 $3,984
Nationwide $2,753 $2,948 $4,166 $3,113
Progressive $2,462 $4,470 $3,163 $2,925
State Farm $2,197 $2,878 $2,424 $2,424
Travelers $2,035 $2,605 $2,911 $2,479
USAA $1,871 $2,615 $3,649 $2,192

Springfield, OR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Springfield, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,571
American Family $4,251
Farmers $3,558
GEICO $4,040
Liberty Mutual $4,605
Nationwide $4,166
Progressive $3,163
State Farm $2,424
Travelers $2,911
USAA $3,649

Springfield, OR Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Springfield, Oregon

ZIP Code Average Annual Rates
97477 $3,014
97478 $2,993

Springfield, OR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Springfield, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,064 $4,064
American Family $3,118 $3,215
Farmers $3,347 $3,347
GEICO $2,877 $2,967
Liberty Mutual $4,048 $4,048
Nationwide $3,245 $3,245
Progressive $3,255 $3,255
State Farm $2,416 $2,545
Travelers $2,408 $2,607
USAA $2,508 $2,656

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Springfield, OR Cheapest Car Insurance Rates

How do the top Springfield, Oregon car insurance companies’ average rates stack up against the Springfield average monthly car insurance rates of $263? Take a look and see.

Best Annual Car Insurance Rates by Company in Springfield, Oregon

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

Springfield, OR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Springfield, Oregon

Insurance Company Average Annual Rates
Allstate $4,064
American Family $3,167
Farmers $3,347
GEICO $2,922
Liberty Mutual $4,048
Nationwide $3,245
Progressive $3,255
State Farm $2,481
Travelers $2,508
USAA $2,582

Other Factors Affecting Springfield, OR Car Insurance Rates

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

Springfield, OR Car Theft Rates

The car theft rate in Springfield, OR will affect your car insurance rates. FBI data shows that the annual car theft rate for Springfield, Oregon is 155 stolen cars.

Springfield, OR Commute Time

How does your Springfield, OR commute time compare with the average driver? In Springfield, the average commute is 21.0 minutes.

Springfield, OR Traffic

Spending time in Springfield traffic can lead to higher car insurance rates. According to INRIX data, Springfield, OR ranks as the 830th-most congested with traffic in the world.

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Springfield, OR Car Insurance Quotes

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