Cheapest car insurance companies in Cottage Grove
After an in-depth analysis, Insurance.com found that Oregon Mutual and Travelers are the cheapest car insurance companies in Cottage Grove for 2023.
Oregon Mutual has the cheapest car insurance rates in Cottage Grove at an average cost of $965 per year.
In Cottage Grove, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Oregon Mutual | $965 |
| Travelers | $1,105 |
| USAA | $1,261 |
| State Farm | $1,307 |
| Nationwide | $1,317 |
| Country Financial | $1,379 |
| Progressive | $1,582 |
| Geico | $1,599 |
| Farmers | $1,966 |
| Allstate | $2,661 |
Cheapest car insurance cost in Cottage Grove by Age Group
The cheapest auto insurance company in Cottage Grove for teen drivers is Country Financial. For full coverage, its average annual rate for Cottage Grove drivers is $2,607. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
Among the carriers analyzed, Country Financial is the cheapest car insurance option for young drivers in Cottage Grove, at $1,713 a year for a full coverage policy.
Drivers in Cottage Grove stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Oregon Mutual has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $978 a year.
With an average annual premium of $1,135, Travelers offers Cottage Grove's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Country Financial | $2,607 | $1,713 | $1,406 | $1,338 |
| Travelers | $3,610 | $1,774 | $1,123 | $1,135 |
| State Farm | $3,641 | $2,085 | $1,307 | $1,277 |
| USAA | $3,971 | $2,063 | $1,274 | $1,301 |
| Geico | $4,664 | $2,337 | $1,567 | $1,311 |
| Oregon Mutual | $4,910 | $1,739 | $978 | $1,215 |
| Nationwide | $5,133 | $2,269 | $1,302 | $1,216 |
| Progressive | $7,900 | $2,622 | $1,585 | $1,641 |
| Farmers | $9,043 | $2,482 | $1,857 | $2,022 |
| Allstate | $10,030 | $4,287 | $2,638 | $2,729 |
Cheapest car insurance companies in Cottage Grove by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Cottage Grove. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
To find the cheapest car insurance company in Cottage Grove, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
In Cottage Grove, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide has the cheapest rates for Cottage Grove drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,269, Nationwide offers substantial savings among the insurers analyzed.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,269 |
| Geico | $1,495 |
| Travelers | $1,670 |
| State Farm | $2,042 |
| USAA | $2,214 |
| Progressive | $2,222 |
| Farmers | $2,373 |
| Allstate | $2,595 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Cottage Grove. It offers full coverage car insurance for drivers aged 30 at about $911 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $911 |
| USAA | $1,328 |
| Nationwide | $1,414 |
| Travelers | $1,458 |
| Progressive | $1,742 |
| Allstate | $1,905 |
| Geico | $1,926 |
| Farmers | $1,929 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Cottage Grove with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,062 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,062 |
| Travelers | $1,485 |
| Nationwide | $1,617 |
| USAA | $1,848 |
| Geico | $2,193 |
| Farmers | $2,234 |
| Progressive | $2,263 |
| Allstate | $2,718 |
Cheapest auto insurance after a DUI: State Farm
In Cottage Grove, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $911 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $911 |
| USAA | $1,833 |
| Travelers | $1,838 |
| Progressive | $1,988 |
| Nationwide | $2,265 |
| Farmers | $2,337 |
| Allstate | $2,490 |
| Geico | $2,516 |
Average car insurance cost in Cottage Grove
Full coverage car insurance in Cottage Grove for a coverage limit of 100/300/100 is $1,514 per year or $126 per month, while the state minimum coverage costs an average of $580 a year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,514 | $580 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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