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Cheapest car insurance in Corvallis, Oregon (Nov 2024)
Cheapest car insurance in Corvallis, Oregon (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Corvallis, Oregon.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Corvallis
- Best car insurance companies in Corvallis
- Best cheap car insurance quotes in Corvallis
- Average cost of car insurance in Corvallis
- Car insurance quotes in Corvallis by rating factors
- How do different factors impact your car insurance costs in Corvallis?
- Cheap car insurance quotes in Corvallis after driving violations
- Cheap car insurance quotes in Corvallis by age
- Cheap car insurance quotes in Corvallis based on insurance history
- Cheap car insurance quotes in for drivers with poor credit
- Cheap car insurance quotes in Corvallis for popular cars
- How to lower car insurance costs in Corvallis
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Corvallis
In Corvallis, the average
auto insurance
policy costs about $89 per month for minimum coverage liability insurance, and about $168 per month for full coverage insurance. Corvallis drivers pay -- than the Oregon
average. Every month, thousands of savvy car insurance shoppers in Corvallis, Oregon use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Corvallis customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $84 | Alberta, 64 Zip: 97330 | Honda Civic DX | • State Minimum Liability |
| Safeco | $110 | Carl, 29 Zip: 97333 | Jeep Renegade Latitude | • State Minimum Liability • Comp / Collision |
| Travelers | $119 | Dominic, 24 Zip: 97333 | Toyota RAV4 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 9, 2024Best car insurance companies in Corvallis
Here's the deal: there's no one-size-fits-all "cheapest" car insurance company out there. This is precisely why it's crucial for Corvallis drivers to analyze
car insurance quotes
from multiple companies. This ensures you pay the best price for the coverage you need.If you’re looking for the most budget-friendly car insurance company in Corvallis, you’re in luck! Jerry carried out the most extensive survey in the nation on insurance shopping in this part of the Beaver State.
In Corvallis, State Farm is often recognized for its competitive rates across a variety of driver profiles but customers we surveyed rated it just 4.4/5 for policy cost. Customers rated Infinity, Kemper, and AAA more highly for price—though overall ratings for Nationwide and Clearcover were also excellent at 5/5.
Let’s check out what real Corvallis customers had to say about these companies.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| State Farm | 4.8 | 4.4 | N/A | 4.8 |
| Bristol West | 4.3 | 3.9 | N/A | 4 |
Liberty Mutual | 4.2 | 3.3 | N/A | 4 |
| Progressive | 4 | 3.5 | 3.6 | 4.1 |
| Geico | 3.8 | 3.3 | 3.4 | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Corvallis
Under state law, all Corvallis drivers must carry liability coverage which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
All Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheap minimum liability insurance quotes in Corvallis
If you live in Corvallis and you drive, you are obligated to purchase at least the
state minimum car insurance requirements
for liability coverage before getting behind the wheel.In this state, the minimum required liability coverage levels are:
- $25,000 per person/$50,000 per accident in bodily injury liability coverage
- $20,000 per accident in property damage liability
- $15,000 per person in personal injury protection
- $25,000 per person/$50,000 per accident in uninsured motorist coverage
These coverages can be summed up as 25/50/20.
Alberta (64 years old)
$84
per month
Do you need more than minimum coverage in Corvallis?
In Corvallis, it is common for drivers to seek higher liability coverage than what is mandated by the state's minimum requirement of 30/60/25.
If you cause an at-fault accident, paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
Cheap full coverage car insurance quotes in Corvallis
You can shield yourself from unexpected expenses by purchasing
full coverage car insurance
, which will cover the costs to repair or replace your own vehicle after an accident. - Collision coverage covers the cost of collision-related damage, like fixing or replacing a car.
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance.
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
Jerry helps Corvallis drivers find full coverage policies from the best car insurance companies at affordable prices.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $85 | David, 60 Zip: 97333 | Chevrolet Malibu LT |
• State Minimum Liability • Comp / Collision | Safeco | $163 | Christopher, 25 Zip: 97330 | Toyota Prius |
• State Minimum Liability • Comp / Collision | Safeco | $110 | Carl, 29 Zip: 97333 | Jeep Renegade Latitude |
• State Minimum Liability • Comp / Collision | Travelers | $192 | Elijah, 25 Zip: 97330 | Jeep Patriot Sport |
Last Updated Nov 14, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Cheapest uninsured motorist coverage quotes in Corvallis
Corvallis drivers must carry u
ninsured motorist bodily injury protection
with limits that match the state liability limits—$25,000 per person and $50,000 per accident.Cheapest personal injury protection (PIP) quotes in Corvallis
Drivers in Corvallis must also carry at least $15,000 of
personal injury protection (PIP)
. That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.One more note: Corvallis is located in Oregon, which is unique among at-fault states. You can sue another driver for damages (including pain and suffering) if they were at fault in the accident without any threshold that must be met first.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Corvallis
After analyzing scores of insurance providers in Corvallis, we have discovered that the average price for minimum liability coverage amounts to be $89 per month or $1,065 per year. Additionally, residents of Corvallis can expect to pay an average of $168 per month or $2,020 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Compare car insurance costs in other states
Car insurance quotes in Corvallis by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Corvallis?
How do different factors impact your car insurance costs in Corvallis?
Allowed (with applicable limitations): Education, occupation, employment status, gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Oregon currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Corvallis:
Cheap car insurance quotes in Corvallis after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Corvallis after speeding ticket
Speeding comes in different sizes. In Corvallis, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a speeding ticket will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.
Last Updated Nov 14, 2024Cheapest car insurance in Corvallis after DUI
A
DUI
in Corvallis is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage. Jerry has assisted many Corvallis drivers with finding affordable rates after a DUI.
Hettie (32 years old)
$104
per month
Cheapest car insurance in Corvallis after an at-fault accident
Your car accident history has a significant influence on your car insurance rates in Corvallis.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there's a high chance that your car insurance rates might shoot up.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $99 | Amanda, 35 Zip: 97333 | Toyota Prius | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $103 | Mamie, 35 Zip: 97333 | Toyota Prius | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $192 | Christian, 24 Zip: 97330 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
Last Updated Nov 11, 2024Cheapest car insurance in Corvallis after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Corvallis.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
Last Updated Nov 15, 2024Cheap car insurance quotes in Corvallis by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Corvallis for young drivers
Car insurance can be high for everyone in Corvallis, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.Cora (24 years old)
$124
per month
Cheapest car insurance in Corvallis for senior drivers
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers in Corvallis are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may result in significant medical costs.
Maurice (68 years old)
$52
per month
Cheap car insurance quotes in Corvallis based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Susie (31 years old)
$93
per month
Ollie (50 years old)
$83
per month
Frederick (24 years old)
$97
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $82 | Nelle, 28 Zip: 97330 | Toyota Camry | • State Minimum Liability • Comp / Collision |
660 - 750 | Bristol West | $83 | Lettie, 50 Zip: 97333 | Volkswagen Jetta S | • State Minimum Liability |
660 - 750 | National General | $82 | Trevor, 29 Zip: 97330 | Hyundai Accent GLS | • State Minimum Liability |
550 - 659 | Safeco | $103 | Matilda, 35 Zip: 97333 | Toyota Prius | • State Minimum Liability • Comp / Collision |
< 550 | National General | $74 | Isabel, 58 Zip: 97330 | Ford Escape XLT | • State Minimum Liability |
Last Updated Nov 10, 2024Cheap car insurance quotes in Corvallis for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Corvallis. Every model has a unique cost of repair, set of safety features, and rate of theft.
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $115 | Francisco, 23 Zip: 97333 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024How to lower car insurance costs in Corvallis
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance per month in Oregon?
Car insurance is an average of $70 per month in Oregon for minimum coverage, which adds up to a total of $840 per year. A full coverage insurance policy averages about $149 per month or $1,788 per year.
Why is car insurance so expensive in Oregon?
COVID-19 and an increased frequency of extreme weather are just a few key reasons why car insurance is so expensive in Oregon. News outlets reported that rates went up by 25% in 2023, and flooding across the eastern coast caused billions of dollars of damage.
Is it cheaper to insure a car in Oregon or California?
It’s cheaper to insure a car in Oregon than California if you go with a full coverage policy. The minimum required coverage costs 6% more in Oregon, but full coverage in the Golden State costs a whopping 34% more.
Who is known for the cheapest car insurance?
No one insurance company will offer the cheapest coverage to every driver. The reason why is that every motorist is different, meaning rates will differ too.
However, that doesn’t mean there’s nowhere to start in the city! We discovered that in Corvallis, some of the cheapest minimum coverage rates on average can be found with Nationwide ($30/month), Metlife ($50/month), and Safeco ($54/month).
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.