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Cheapest car insurance in Cottage Grove, Oregon (Apr 2024)
Cheapest car insurance in Cottage Grove, Oregon (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cottage Grove, Oregon.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
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 Cottage Grove
- Best auto insurance companies in Cottage Grove
- Best cheap car insurance quotes in Cottage Grove
- Average cost of car insurance in Cottage Grove
- Auto insurance quotes in Cottage Grove by rating factors
- How do different factors impact your car insurance costs in Cottage Grove?
- Cheap car insurance quotes in Cottage Grove after driving violations
- Cheap car insurance quotes in Cottage Grove by age
- Cheap car insurance quotes in Cottage Grove based on insurance history
- Cheap car insurance quotes in Cottage Grove for popular cars
- How to lower car insurance costs in Cottage Grove
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Cottage Grove
To find the cheapest rate, Cottage Grove drivers can recruit the
Jerry Insurance Agency
to help research rates—for free. Tons of Oregon drivers have trusted Jerry to help them easily compare prices and get the cheapest rate for their situation. Here’s the data: Cottage Grove drivers pay about $48 per month for basic
car insurance
, or about $98 per month for full coverage. That’s cheaper than the Oregon state average, which is $70/month for minimum coverage and $150/month for a full coverage insurance policy.Jerry recently uncovered some affordable car insurance options for Cottage Grove drivers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Travelers | $112 | Troy, 51 Zip: 97424 | BMW 328 i Sulev | • 100,000/300,000 Liability • Comp / Collision |
| National General | $78 | Derek, 32 Zip: 97424 | Pontiac Vibe | • State Minimum Liability |
| Kemper | $161 | Evan, 27 Zip: 97424 | KIA Forte GT Line | • State Minimum Liability • Comp / Collision |
| Dairyland | $194 | Trevor, 31 Zip: 97424 | Chrysler 300 Touring | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024Best auto insurance companies in Cottage Grove
The Beaver State is full of unique drivers—and your rate is as unique as you. Your
insurance quotes
are based on your individual driver profile.Jerry recently conducted an extensive insurance survey to make it easier for Oregonians to compare affordable car insurance companies.
In Cottage Grove, State Farm earned top marks for its competitive rates across a variety of driver profiles—however, customers rated it 4.4/5 for policy cost.
Infinity
, Kemper
, and AAA
ranked higher for price, but Nationwide
and Clearcover earned 5/5 overall ratings.While there’s no single “best” insurance company for every Cottage Grove resident, you can consider which factors matter most to you. Cost is a key factor, but what about claims handling and customer service?
Here’s the data.
| 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 Cottage Grove
You’re subject to the state minimum requirements for liability requirements, but there’s good news! This is the absolute cheapest way to get auto insurance coverage in Cottage Grove.
Of course, bare minimum policies may not provide sufficient coverage if you get into a serious accident. Without full coverage, you could be on the hook for someone else’s damages if you cause the accident—or wind up with no way to pay for repairs to or replacement of your own vehicle.
Cheap minimum liability insurance quotes in Cottage Grove
Cottage Grove drivers must meet
Oregon’s minimum coverage requirements
, which include bodily injury liability, property damage liability, uninsured motorist bodily injury coverage, and personal injury protection (PIP). Minimum liability coverage in Oregon is summed up as 25/50/20:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 for property damage liability
You must also carry UM (uninsured motorist protection) and PIP at these levels:
- $15,000 personal injury protection per person
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
Auto insurance companies will offer you this coverage automatically since it’s required in Oregon.
Check out how Cottage Grove drivers are using Jerry to find budget-friendly auto insurance rates for minimum liability coverage.
Chase (49 years old)
$61
per month
Derek (32 years old)
$78
per month
Evan (27 years old)
$161
per month
Do you need more than minimum coverage in Cottage Grove?
It’s common for Cottage Grove drivers to take out a policy with higher levels than the bare minimum. It’s a smart decision, if you consider the cost of medical bills and car repairs.
Imagine you cause an at-fault accident that results in a lengthy hospital stay and a totalled vehicle. With a bare minimum policy, you get a little help but you’re still on the hook for anything that costs more than the policy limit of $50,000 for bodily injury and $20,000 for property damage.
Experts recommend opting for a higher liability coverage such as 50/100/50 or 100/300/100. This won’t add too much cost to your monthly premium but you’ll enjoy far more protection in the event of a serious accident—even if you decide not to opt for any full coverage on your own vehicle.
Cheap full coverage car insurance quotes in Cottage Grove
Full coverage car insurance
in Cottage Grove includes both comprehensive and collision coverage. The average monthly cost in your town is $90 per month.Remember, these apply to your own vehicle and shield you from unexpected costs to repair or replace after a covered accident:
- Collision coveragetakes care of the costs associated with collision-related damage like fixing or replacing a car after colliding with an animal or another vehicle.
- Comprehensive coveragetakes care of repair and replacement for non-collision damage like vandalism, natural disaster damage, or theft.
You can be compelled to carry full coverage by a lender or bank. Read your agreements carefully if you’ve financed or taken out a loan to purchase your vehicle. Once the loan is paid off, you have the option to cancel full coverage.
If you’re in Cottage Grove and you’re seeking affordable full coverage, join your neighbors in using Jerry to compare quotes and find low rates.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $108 | George, 51 Zip: 97424 | BMW 328 i Sulev |
• State Minimum Liability • Comp / Collision | Safeco | $169 | Hunter, 23 Zip: 97424 | Ford Mustang |
• State Minimum Liability • Comp / Collision | National General | $135 | Helen, 32 Zip: 97424 | Nissan Sentra S |
Last Updated Apr 20, 2024Jerry is a
leading insurance agency
with end-to-end service, a free app, and licensed insurance agents to help you find the best rates for your insurance needs.Cheapest uninsured motorist coverage quotes in Cottage Grove
Your UM coverage limits must match Oregon’s state liability limits: $25,000 per person and $50,000 per accident.
Uninsured motorist bodily injury protection
is required for all Cottage Grove drivers.Cheapest personal injury protection (PIP) quotes in Cottage Grove
Personal injury protection (PIP)
can pay out to cover medical expenses, lost wages, or even funeral expenses for each person involved in the accident.To comply with state law, Cottage Grove drivers must carry a minimum of $15,000 of PIP.
Note that Oregon 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 Cottage Grove
A minimum liability coverage policy costs about $47 per month or $570 per year. If you need a full coverage policy, expect to pay approximately $90 per month or $1,080 per year.
This was calculated as an average using numbers from multiple providers in Cottage Grove. It’s helpful to know the average rate to estimate your own costs, but remember that your individual premium will depend on your driver profile, claims record, and vehicle type.
Compare car insurance costs in other states
Auto insurance quotes in Cottage Grove by rating factors
- Your location: Areas with increased crime rates or higher population density tend to pay higher premiums compared to rural places.
- Your driving record and claims history: Oregonians with a clean record tend to get better rates. Violations and a lengthy claims history can lead to higher costs.
- Your demographics: Your age, gender, marital status, and profession can play a role in elevating or lowering your insurance rates.
- Your make/model: If replacement parts are pricier for your vehicle, you’ll pay more for coverage. This tends to be true for luxury, sport, hybrid, and high-performance vehicles.
- Your mileage: High annual mileage can contribute to increased insurance costs due to higher chances of accidents and more wear and tear.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even with the exact same coverage. In Oregon, companies can’t raise your rate due to credit score but they can take it into account when setting the initial rate for a new customer.
How do different factors impact your car insurance costs in Cottage Grove?
How do different factors impact your car insurance costs in Cottage Grove?
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 Cottage Grove:
Cheap car insurance quotes in Cottage Grove after driving violations
Your driving habits are a major factor when it comes to setting your rates. This means that violations—especially a history of violations—can trigger a rate increase.
Here are some common violations that could lead to higher rates for Cottage Grove drivers:
Note that, once you’re labeled a high risk driver, it can take some time to prove yourself a safe driver again. Rate hikes for violations tend to last for more than a single policy period.
Cheapest car insurance in Cottage Grove after speeding ticket
In Cottage Grove, getting a speeding ticket may result in an approximate 14% increase in your car insurance rate. However, your exact penalty depends on how far over the speed limit you were traveling. In Cottage Grove, the brackets for speeding are 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the limit.
Check out some sample rates from real drivers with speeding tickets who used Jerry to save on car insurance.
Last Updated Apr 18, 2024Cheapest car insurance in Cottage Grove after DUI
DUIs
are serious in Oregon. Your rates are bound to increase, and you might even be denied coverage by some companies. You should still
shop around for rates
, even though your DUI categorizes you as a high-risk driver
. Jerry gives free quotes to help Cottage Grove drivers figure out their coverage options after a DUI.
Cheapest car insurance in Cottage Grove after an at-fault accident
Before offering you an auto insurance policy, companies will calculate the level of risk you present—and at-fault accidents are a key indicator of that.
Recent at-fault accidents will affect your rates more strongly, but comparing premiums at different companies can ensure that you don’t overpay for coverage in Cottage Grove.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $198 | Agnes, 27 Zip: 97424 | KIA Forte GT Line | • State Minimum Liability • Comp / Collision |
Not At Fault | National General | $135 | Leon, 32 Zip: 97424 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $198 | Phoebe, 27 Zip: 97424 | KIA Forte GT Line | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024Cheapest car insurance in Cottage Grove after other driving violations
Any risky behavior on the road carries consequences not only for other drivers but for your insurance premiums as well.
Speeding tickets, DUIs, reckless driving, and having a
suspended license
on your driving record can all result in increased rates from any car insurance provider. Check out what real Cottage Grove drivers with violations on record are paying for coverage, depending on their violation. Using Jerry to compare rates is the key to saving on car insurance with infractions on your record.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $61 | Luis, 49 Zip: 97424 | Honda CR-V EX | • State Minimum Liability |
Failure to Obey Signal | Progressive | $61 | Antonio, 49 Zip: 97424 | Honda CR-V EX | • State Minimum Liability |
Last Updated Apr 22, 2024Cheap car insurance quotes in Cottage Grove by age
Your age has a big influence on your rates because it’s correlated with risk. Young and older drivers in Cottage Grove face the highest insurance rates compared to other age groups.
Newer drivers have less experience behind the wheel, so they’re charged more to account for the higher risk. This increase tends to disappear around age 25.
Seniors present the risk of higher recovery costs after an accident, so they may face higher rates after their 75th birthday.
Cheapest car insurance in Cottage Grove for young drivers
Teen drivers
—even those with pristine driving records—tend to pay the most for car insurance in Cottage Grove. That’s because they’re inexperienced and they’re more likely to file a claim than the average driver.To keep costs low, consider keeping the teen on a parent’s policy.
Experts recommend full coverage policies for young drivers, especially if they’re driving a newer vehicle. Jerry can help you tailor a policy specifically to suit a young driver’s needs (and budget).
Louisa (23 years old)
$188
per month
Marguerite (21 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Cottage Grove, OR (Zip Code: 97424)
$191
per month
Cheapest car insurance in Cottage Grove for senior drivers
Even in smaller towns like Cottage Grove, seniors are vulnerable:
- Higher risk of accident
- Higher cost to recover after an accident
Higher car insurance rates
are common for older drivers in Oregon and beyond. However, they can still unlock savings by shopping around to compare rates. Here are some sample driver profiles with policy costs in Cottage Grove.
Cheap car insurance quotes in Cottage Grove based on insurance history
Continuity of coverage is a little known factor that has a big influence on your rates. Companies like to see that you’ve been consistently covered, as it signifies that you’re a responsible and low-risk driver.
If you have any
lapses
in coverage, you may notice higher rates than someone who has had continuous coverage—even if you live in the same town and you fit the same demographic.Jerry can help you compare rates no matter your insured status so you always get the best rate for your situation.
Aiden (51 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Cottage Grove, OR (Zip Code: 97424)
$108
per month
Edwin (51 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Cottage Grove, OR (Zip Code: 97424)
$112
per month
Ada (32 years old)
$78
per month
Alex (32 years old)
$135
per month
Over 4,000,000 customers and counting
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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 Cottage Grove for popular cars
Your make and model matter more than you may think when it comes to insurance rates. Cars with better safety features, lower theft rates, and cheaper repairs costs usually cost less to insure.
Last Updated Apr 23, 2024How to lower car insurance costs in Cottage Grove
1. Compare quotes from different insurers
Every six months, you can shop around for rates to see if there’s a better rate with another company.
Every insurance company has a unique formula for calculating rates—and they’re pretty complex algorithms! The only way to know if you could be getting a better rate elsewhere is to pull custom quotes from multiple providers.
Shopping around is super straightforward with Jerry. Cottage Grove drivers can enter their demographic data and quickly view quotes from top companies. The whole process—from finding quotes to finalizing your policy— takes one to two hours, and the app is free to use.
2. Choose a higher deductible for comprehensive and collision coverage
If you have full coverage car insurance, ask about raising your deductible. This is usually a foolproof strategy for lowering your monthly premium while retaining full coverage. Just make sure you can actually afford the higher amount!
3. Qualify for car insurance discounts
Cottage Grove drivers are eligible for a wide
range of discounts
, regardless of which company they select. However, the amount of the discount can vary widely from one company to the next.Ask about these common discounts for Cottage Grove drivers:
- Bundling discounts: Combine your home insurance with your auto insurance (or auto and renters insurance) within the same company, and you could receive a discount on both policies.
- Good driver discounts: A clean driving record can earn you a nice discount on your rate. In some companies, this means you haven’t filed a claim for at least two years.
- Telematics discounts: Telematics is a way to monitor your driving habits and some companies offer their own programs. Safe driving can unlock discounts, and you may even get a rate cut just for enrolling.
- Good student discounts: If you're a full-time student in high school or college with a B average or better, you likely qualify for a discount from your insurance company. All you need is proof of enrollment and proof of grade point average.
It never hurts to ask about other discounts that might be available to you. Some aren’t listed publicly.
FAQ
How much is car insurance in Cottage Grove?
The average monthly payment (for state-minimum coverage) in Cottage Grove is $48, which works out to $570 per year. Full coverage car insurance policies cost approximately $90 per month, or $1,080 per year in Cottage Grove.
What is the cheapest car insurance in Cottage Grove?
The average monthly cost in Cottage Grove is $48 for minimum coverage, or $90 per month for full coverage. There’s no single “cheapest” company in Cottage Grove because every driver is different.
What is the minimum car insurance in Cottage Grove, Oregon?
The minimum car insurance coverage required in Cottage Grove, Oregon, includes liability (bodily and property damage), personal injury protection (PIP), and uninsured motorist coverage.
You must carry at least 25/50/20: $25,000 in bodily injury liability per person, $50,000 in bodily injury per accident, and $20,000 for property damage liability. You must also carry $25,000 per person and $50,000 per accident of uninsured motorist protection and at least $15,000 of PIP.
What is the best car insurance in Cottage Grove?
Comparing real quotes is the only way to find the “best” car insurance for Cottage Grove drivers, but we can tell you the results of our survey of Oregonians and car insurance.
USAA, Nationwide, and Progressive received good ratings across the board. Infinity and Kemper ranked high for cost satisfaction, whereas Allstate, PEMCO, and State Farm nabbed the top spots for customer service.
Methodology
The Insurance Research Team analyzes insurance products and services, conducting extensive research by examining over 25 million car insurance quotes and surveying 15,000 customers across 85 carriers in the past 18 months.
The survey covered areas like insurance cost, customer service, buying and renewal experiences, and claims processes. Driver characteristics for calculating average rates include being a single driver, single car, clean record, and currently insured. Personal information in quotes and policies is hidden, and not all customers find savings.
The team comprises licensed insurance agents, industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
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.
