Cheap Auto Insurance Quotes in McMinnville, OR (2021)

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A wine country favorite, McMinnville is increasingly becoming known as a year-round vacation destination thanks in part to the huge marketing efforts of this small town. Over the past few years, the town has been featured on the pages of the New York Times, Forbes.com, and Vogue.

But you don’t have to go that big to get cheap car insurance. All you need is an internet connection and five minutes. Even McMinnville drivers know that no matter how good they have it, insurance coverage is one thing they shouldn’t go without.

Car Insurance in McMinnville, OR

The average cost of Oregon car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in McMinnville, OR to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$42
$98
$115
$129
$152
ProgressiveState FarmGEICOTravelersNationwide
Monthly $

Cheapest Car Insurance in McMinnville, OR

Here are the cheapest carriers in McMinnville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$144
$142
$155
$119
$169
$137
OregonPortlandSalemEugeneGreshamMcMinnville
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

McMinnville, OR Driving Facts

oregon

Minimum Car Insurance Requirements in OR

All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.

  • $20,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance. 

  • $15,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.

McMinnville Car Insurance Rates by Driver Age

Teenagers should be able to squeak out a car insurance payment at $287 and still have spending money left over. McMinnville residents see the rates go down as they add more years of experience behind the wheel. So those in their 30s snag a $100 price cut over what teens and twentysomethings shell out. And everyone else is below or slightly above the state average of $203. People in their 70s lock in the best deal, with a price less than a third of what teen drivers pay.

Driving History
No Violation$145
Speeding Ticket$292
At-Fault Accident$205
Failure to Stop for Red Light / Stop Sign$119

McMinnville Car Insurance Rates by Driving and Accident History

Oregonians like to drive safely for reasons that help them on and off the road. People enjoy the peace of mind that defensive driving gives, and insurance companies reward cautious motorists with “good driver” and “accident-free” discounts. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations buy bare-bones policies and opt for liability only, skipping comprehensive and collision coverage. An at-fault accident pushes the rate up by $60 per month. Those with mishaps will be glad to know they qualify for the best rates again after three years of careful driving.

McMinnville Car Insurance Rates by Credit Tier

Many McMinnville motorists scratch their heads trying to figure out just how credit plays into driving. In the Beaver State, insurance companies assess credit when setting premiums. Generally, the people with the best credit pay the least. So why do those with poor credit pay less than those with average credit? People with better credit may finance costlier cars and need more coverage to protect their assets. Either way, moving from average to excellent credit will save over $150 per month, or $1,800 per year.

McMinnville, OR DMV Information

Most people drive (or walk around) McMinnville. But if you are visiting or without a ride for the day, Yamhill County Transit provides accessible bus and reserved ride services throughout Yamhill County, including McMinnville. They currently operate local routes in McMinnville and Newberg and four commuter routes to Hillsboro, Tigard, West Salem, and Grand Ronde. Dial-A-Ride and paratransit rides are available in specific areas. Need to get around town on-demand? In terms of getting to the grapes, custom wine tour transportation options are available through several agencies here as well. Though there’s not an official bikeshare program in McMinnville, you can rent bikes for exploring at Newberg Cycle & Skate. Traditional transportation options like taxi cabs can be found here as well as on-demand transportation services Uber and Lyft.

Public Transportation in McMinnville, OR

Oregon’s Driver and Motor Vehicle Services has locations all around the state. At the DMV, Oregon residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pickup, as well as insurance information and services. If you don’t want to wait, avoid the busiest DMV times and days (Mondays and Fridays or during lunch hours). Would you rather do your DMV business in your pajamas or even on the go? Oregon residents can use the DMV online portal to access a whole slew of services these days.

Conclusion: How to get the best and cheapest car insurance in McMinnville, OR

Even Architectural Digest has weighed in on this small town’s acclaim, naming the Granary District as a must-see stop on their “perfect Pacific Northwest road trip.” While planning stops on your perfect road trip is important, having good auto insurance coverage along the way is something no road-tripper can do without.

Don’t spend more time than you have to sorting out car insurance prices and packages over the phone. Car insurance shoppers have incredible options at their fingertips. Use Insurify to shop for personalized insurance options at a price you can afford.

Find local McMinnville agents

PayneWest Insurance - McMinnville 
1411 NW Adams St, McMinnville, OR 97128-3032
Hagan Hamilton Insurance Solutions 
448 S Baker, McMinnville, OR 97128-4906
Hagan Hamilton Insurance Solutions- Sheridan 
PO Box 847, McMinnville, OR 97128
McMinnville Insurance
207 NE 19th St #100, McMinnville, OR 97128
Yamhill Community Care
819 NE 3rd St, McMinnville, OR 97128
The Mac Agency: Allstate Insurance
1900 NE Highway 99W Ste A1, McMinnville, OR 97128
COUNTRY Financial
2490 OR-99W, McMinnville, OR 97128
Great Northwest Insurance Brokers
701 NE 3rd St, McMinnville, OR 97128
Mark Marshall - State Farm Insurance Agent
1045 OR-99W, McMinnville, OR 97128
Farmers Insurance - Chris Barlow
1018 NE 3rd St Ste C, McMinnville, OR 97128

Insurify Insights: How McMinnville Drivers Measure Up

volkswagen
Volkswagen Jetta
Most Popular Car in
McMinnville, OR
suspended licenses
#14
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how McMinnville drivers measure up to their fellow Oregon motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents McMinnville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. McMinnville drivers rank 3 in the number of car accidents per driver across all cities in Oregon.

  • Rank within state: #3
  • Percent of drivers in McMinnville with an accident: 13.36%
  • Drivers in McMinnville, OR with an accident in their driving history paid on average 40.54% more than drivers with a clean record

Speeding McMinnville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oregon, McMinnville drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in McMinnville with a speeding ticket: 12.67%
  • Drivers in McMinnville, OR with a speeding ticket in their driving history paid on average 47.3% more than drivers with a clean record

DUI/DWIs McMinnville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. McMinnville drivers rank 1 in the number of DUI’s per driver across all cities in Oregon.

  • Rank within state: #1
  • Percent of drivers in McMinnville with a DUI: 3.77%
  • Drivers in McMinnville, OR with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle McMinnville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in McMinnville is the Volkswagen Jetta.

Hybrid/Electric Vehicle Ownership McMinnville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. McMinnville drivers rank 11 in hybrid and electric vehicle ownership across all cities in Oregon.

  • Rank within state: #11
  • Percent of drivers in McMinnville with a hybrid/electric vehicle: 0.9%

FAQs - McMinnville, OR Car Insurance

What is comprehensive insurance?

If your car is stolen or damaged in an incident that is not a collision, comprehensive insurance can help pay to fix or replace it. Did someone key your car? Comprehensive insurance. Hit and run? Comprehensive can cover that, too. Comprehensive also covers damages from events like fires and floods (events also referred to as “acts of God”). Riots and run-ins with animals are also covered under comprehensive insurance.

I can’t get auto insurance in Oregon. What do I do?

Most companies don’t turn down new business—except when it comes to insurance companies. If you have had several accidents, speeding tickets, or a DUI, you may just be too high of a risk to insure. While it’s legal for insurance companies to deny you coverage based on your high-risk status because of these events, you still need insurance to drive. Oregon’s assigned risk plan, AIPSO, is a program that ensures that high-risk drivers have access to the liability insurance they need to drive legally. If you can’t get coverage, start at AIPSO’s Oregon web page, click Find-a-Producer, and follow the prompts.

Is underinsured motorist coverage required in Oregon?

Uninsured and underinsured motorist coverage are both required forms of insurance in Oregon. While most people know better than to drive without insurance (or without enough of it), it doesn’t mean that everyone does. This type of insurance coverage protects you if you incur damages by an uninsured or underinsured driver. You’ll usually see this type of coverage written as uninsured motorist bodily injury (UMBI). This coverage pays up to $25,000 per injured person in your car, up to a total of $50,000 per accident.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.