Cheapest car insurance in Mcminnville, Oregon (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Mcminnville

In Mcminnville, the average
auto insurance
policy costs about $169 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Mcminnville drivers pay 31% less than the
Every month, thousands of savvy car insurance shoppers in Mcminnville, 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 Mcminnville customers.

Best car insurance companies in Mcminnville

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 Mcminnville 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 Mcminnville, 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 Mcminnville, 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 Mcminnville customers had to say about these companies.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Bristol West
Liberty Mutual

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 Mcminnville

Under state law, all Mcminnville 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 Mcminnville

If you live in Mcminnville 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:
  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $20,000 per accident.   
These coverages can be summed up as 25/50/20.  

Do you need more than minimum coverage in Mcminnville?

In Mcminnville, 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 Mcminnville

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. 
Full coverage includes
collision coverage
  • 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 Mcminnville drivers find full coverage policies from the best car insurance companies at affordable prices.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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 Mcminnville

Mcminnville 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 Mcminnville

Drivers in Mcminnville 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: Mcminnville 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.

Average cost of car insurance in Mcminnville

After analyzing scores of insurance providers in Mcminnville, we have discovered that the average price for minimum liability coverage amounts to be $169 per month or $2,031 per year. Additionally, residents of Mcminnville can expect to pay an average of $150 per month or $1,802 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.

Car insurance quotes in Mcminnville by rating factors 

Insurance companies in Mcminnville use many rating factors when
deciding your auto insurance premium
  • 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 Mcminnville?

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 abut the car insurance rating factors in Mcminnville:

Cheap car insurance quotes in Mcminnville 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 Mcminnville after an at-fault accident

Your car accident history has a significant influence on your car insurance rates in Mcminnville.
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.

Cheapest car insurance in Mcminnville 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 Mcminnville.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.

Cheap car insurance quotes in Mcminnville 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.

Cheap car insurance quotes in Mcminnville 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:

How to lower car insurance costs in Mcminnville

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. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • 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.

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.


People living in Mcminnville pay on average $169 per month – or $2,031 per year – on state-minimum liability coverage. Full coverage in Mcminnville costs on average $150 per month of $1,802 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Mcminnville drivers Jerry has worked with, car insurance in Mcminnville costs an average of $169 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!   
The state-minimum car insurance in Mcminnville, Oregon is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property. These coverages are commonly referred to as 25/50/20 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. ,
, and
receive good ratings from Mcminnville drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.


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

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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.