120+ more*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on October 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on October 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Medford is $78 per month for state-minimum coverage and $138 for full coverage. Medford is the largest city in Southern Oregon’s Rogue Valley, but its rates run below the state average — likely because it’s smaller than metros like Portland.
Still, Medford car insurance costs slightly more than in Grants Pass, whose population is less than half of Medford’s. But rates in Eugene are higher than in Medford, likely due to Eugene’s larger population, longer commute times, and higher vehicle theft rate.
Oregon car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability, along with $20,000 in property damage liability. You must also carry $15,000 in personal injury protection (PIP) and $25,000 per person and $50,000 per accident in uninsured motorist (UM) coverage.[1]
Liability insurance averages $78 per month in Medford, which is cheaper than the state monthly average of $91.
The table below compares cheap liability car insurance in Medford, with State Farm offering the cheapest rates.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $58 |
| Mile Auto | $59 |
| Sun Coast | $60 |
| GEICO | $65 |
| National General | $66 |
| Progressive | $66 |
| Country Financial | $73 |
| The General | $74 |
| Bristol West | $76 |
| Safeco | $76 |
| Allstate | $81 |
| American Family | $83 |
| Dairyland | $83 |
| Root | $85 |
| Direct Auto | $90 |
| Farmers | $114 |
| Liberty Mutual | $118 |
| Travelers | $140 |
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Even if you own your car outright, you may want to consider a full-coverage policy if you live in Medford. Jackson County’s wildfire insurance claims totaled almost $369 million in 2020, with many involving homes, vehicles, and personal property.[2]
Comprehensive coverage, part of a full-coverage policy, typically covers fire damage to your vehicle.
Full coverage averages $138 per month in Medford, which is lower than in many other Oregon cities. Mile Auto has the cheapest full-coverage rates in Medford, averaging $76 per month.
Below are the companies with the cheapest full-coverage quotes in Medford.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $76 |
| State Farm | $78 |
| USAA | $92 |
| GEICO | $101 |
| Safeco | $107 |
| Country Financial | $117 |
| Progressive | $118 |
| National General | $124 |
| Root | $129 |
| American Family | $133 |
| Bristol West | $135 |
| Allstate | $148 |
| Sun Coast | $156 |
| Liberty Mutual | $159 |
| Direct Auto | $168 |
| Dairyland | $178 |
| The General | $180 |
| Farmers | $181 |
| Travelers | $223 |
Grants Pass and The Dalles are among the cheapest cities in Oregon for car insurance, likely due to their smaller populations.
Portland and Gresham, by contrast, have some of the highest rates in the state. Both are densely populated, and the Portland-Vancouver-Hillsboro metro ranks No. 26 in the country for vehicle thefts by volume, according to Insurify data.
Auto insurance in Medford costs less than the state average. Rates in Medford are also cheaper than those in Springfield and Eugene.
Rates are likely lower in Medford because it’s less densely populated than many Oregon cities. It also has a lower vehicle theft rate compared to the state average.
City | Average Monthly Quote |
|---|---|
| Grants Pass | $99 |
| The Dalles | $102 |
| Corvallis | $105 |
| Redmond | $109 |
| Springfield | $112 |
| Eugene | $120 |
| Mcminnville | $136 |
| Salem | $150 |
| Beaverton | $153 |
| Portland | $170 |
| Gresham | $171 |
*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on October 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on October 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Most violations and accidents appear on your Oregon driving record for at least five years.[3] Serious traffic offenses, like driving under the influence of intoxicants (DUII), can remain on your record permanently.
The companies below have the cheapest car insurance in Medford based on driving history:
Cheapest car insurance for Medford drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Medford: State Farm
Cheapest car insurance for Medford drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUII in Medford: State Farm
About 6.8% of Medford drivers have a speeding ticket, and 4.5% have an at-fault accident on their record, according to Insurify data. Oregon is an at-fault state, so the driver who causes a crash is responsible for the damages.
Regardless of fault, your PIP coverage pays your medical bills up to your policy limits. After your PIP is exhausted, your health insurance or the other driver’s insurance kicks in.
Fewer than 1% of Medford drivers have a DUII, which is a Class A misdemeanor in Oregon and requires an SR-22 form for three years.
Insurers may view these incidents as indicators of high-risk driving and raise your rates.
Below are average monthly rates in Medford based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $108 |
| Speeding ticket | $147 |
| At-fault accident | $148 |
| DUII | $133 |
Downtown Medford offers free on-street parking with limits of one, two, and three hours. You can also park free for two hours in Middleford Garage. Enforcement runs Monday through Friday, 7 a.m. to 6 p.m., except on city-observed holidays.
Snow can shut down roads in the winter. For example, the city closed portions of Hillcrest and McAndrews roads in February 2025. The city of Medford recommends keeping water, food, and warm clothes in your vehicle in case you get caught in a winter storm.
During heavy rain, Medford drivers should avoid driving through flooded roads. The city sits in a low-lying valley along Bear Creek, and about 5% of Medford’s land is in a high-risk flood zone.[4]
And since an estimated 15% of Oregon drivers don’t have car insurance, according to the Insurance Research Council, be sure you have adequate uninsured motorist coverage limits in case one of them hits you.
Medford’s average commute time is about 17 minutes, shorter than the state’s 23-minute average. Insurers weigh how much you drive, so shorter commute times could lower car insurance rates in Medford.
Accident risk is another factor insurers consider when setting rates for an area. Police call the intersection of Crater Lake Highway and Poplar Drive the city’s most dangerous intersection.
Traffic could increase on Highway 62 in the summer, since Crater Lake is busiest from July through September.
Medford has also used photo radar since 2004. A speeding ticket could raise your car insurance premium by about 37% in Medford.
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Teens pay more for car insurance in Medford than other age groups, with liability coverage averaging $145 per month. Drivers between the ages of 15 and 20 were involved in almost 19% of Oregon’s fatal and injury crashes in 2022.[5]
Teen drivers in Oregon may find the cheapest rates from State Farm, at an average of $95 per month for liability-only coverage.
Below are quotes for the most affordable car insurance in Medford for teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $95 |
| USAA | $106 |
| Sun Coast | $112 |
| Country Financial | $115 |
| GEICO | $118 |
| Mile Auto | $121 |
| Progressive | $123 |
| Root | $129 |
| National General | $131 |
| The General | $134 |
| Bristol West | $135 |
| Dairyland | $144 |
| Allstate | $151 |
| Safeco | $156 |
| American Family | $157 |
| Direct Auto | $176 |
| Liberty Mutual | $208 |
| Farmers | $228 |
| Travelers | $291 |
About 20% of Medford residents are 65 or older, slightly below Oregon’s average of 21%, according to U.S. census data. Under Oregon law, drivers 55 and older may qualify for an insurance discount after completing an approved collision prevention course.
In Medford, State Farm has the cheapest rates for senior drivers, averaging $39 per month for liability coverage.
The table below compares cheap Medford car insurance for drivers in their 60s.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $39 |
| Mile Auto | $46 |
| USAA | $47 |
| GEICO | $52 |
| National General | $52 |
| Sun Coast | $52 |
| Progressive | $57 |
| Country Financial | $58 |
| The General | $63 |
| Bristol West | $64 |
| Safeco | $66 |
| American Family | $66 |
| Allstate | $70 |
| Dairyland | $70 |
| Direct Auto | $74 |
| Root | $78 |
| Farmers | $91 |
| Liberty Mutual | $98 |
| Travelers | $112 |
In addition to standard liability insurance, Oregon drivers must carry personal injury protection (PIP) and UM coverage. Answers to frequently asked questions below can help you choose the best car insurance in Medford.
State Farm offers the lowest rates in Oregon for liability-only coverage, averaging $56 per month. Mile Auto has the cheapest prices for full coverage, averaging $86 per month.
Medford car insurance averages $78 per month for liability coverage and $138 for full coverage, Insurify data shows. Your rate may vary based on your driving history, coverage limits, deductibles, and add-ons, such as roadside assistance or medical payments coverage.
You must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $20,000 for property damage you cause in a crash. Oregon also requires $15,000 in PIP and UM coverage with bodily injury limits of $25,000 per person and $50,000 per accident.
Yes. Oregon law requires insurers to provide a discount for drivers 55 and older and motorcycle riders who complete approved courses. Insurers also often offer discounts for maintaining a clean driving record, earning good grades, and bundling with homeowners insurance or renters insurance.
Yes. The Chamber of Medford & Jackson County lists local agencies that offer personal insurance, such as car and life insurance, as well as commercial insurance. Before choosing an agent, you can verify their license through the Oregon Division of Financial Regulation.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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