Cheapest Auto Insurance in Medford, Oregon (2024)
Mile Auto offers the cheapest car insurance in Medford, starting at $50 per month.
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Written byCourtney Washington
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Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated November 20, 2024
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Table of contents
Medford is one of the top small cities in the country, and there’s plenty to love about life here. Fortunately, that list includes affordable car insurance.
State law requires anyone who registers a car in Medford to carry at least the minimum insurance requirements.[1] The average monthly cost for this liability coverage is $90, and the average monthly rate for full coverage is $133. These rates make Medford one of the more affordable cities for insurance in Oregon.
Multiple factors likely contribute to Medford’s lower rates. For example, Medford drivers have a relatively short commute time of just over 17 minutes. Less time on the road can mean a lower risk of getting into an accident. The city of more than 85,000 also has a comparatively low accident rate — Medford had just 2,011 crashes and 21 fatalities in 2021.[2]
While Medford’s average car insurance rates are lower than both the Oregon and national averages, comparing car insurance quotes could help you save even more.
Quick Facts
Mile Auto, National General, and Safeco offer the cheapest car insurance rates in Medford.
More than 12% of 2021 accidents in Medford involved speeding, and nearly 6% involved alcohol, DOT data shows.
In Oregon, car insurers can consider credit history when deciding whether to issue a new policy, but they can’t use credit information to raise premiums when a policy renews.[3]
Cheapest car insurance companies in Medford
The cheapest auto insurance for you depends on your coverage needs and situation. Insurance companies use numerous factors to decide how much to charge each driver for coverage. Each insurer also rates each component differently. All of this means the best way to find the affordable coverage you need is to shop around and compare quotes from several insurers.
As you begin your search, keep these three insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Country Financial | 8.8 | $47 | $22 | Teen drivers |
| State Farm | 9.3 | $64 | $43 | Discounts |
| Mile Auto | 7.5 | $74 | $60 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: Country Financial
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $16/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $38/mo |
3.6
A solid optionBased on 38 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (26)
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
James
October 8, 2024
Verified Review
Insurance Cost
The rates are increasing very quickly.
Dayna
September 17, 2024
Verified Review
Goodbye, Country Financial
I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Country Financial offers driver and family discounts to lessen the burden of insuring young drivers. The company also offers discounts for taking a driver’s safety course, having good grades, being a college graduate, and going to driving school.
The company also offers other products and several opportunities to bundle homeowners or renters insurance and auto coverage to bring pricing down even further.
Pros
Strong financial stability
24/7 claims reporting and customer service online and by phone
Cons
Can be pricey without discounts
Doesn’t carry Better Business Bureau accreditation
Best insurer for discounts: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a nationwide insurance agency that offers low rates. State Farm also offers discounts that can bring pricing down even further, including vehicle safety, passive restraint, anti-theft, multiple auto, bundling, and more. The company also offers life insurance and policies for small businesses.
Pros
Strong financial stability
In-person, online, and phone support in Medford
Cons
Mixed reviews for claims handling
Must purchase the policy either on the phone or in person with an insurance agent
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $61/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a pay-per-mile insurance company, meaning you only pay for the miles you drive. Customers of Mile Auto send in their odometer readings monthly and are billed a base rate plus a per-mile rate for miles driven. College students, Sunday drivers, people who work from home, weekend explorers, and others who drive fewer than 10,000 miles per year could save substantially with this insurer.
Pros
Only pay for the miles you drive
Doesn’t track mileage via an app
Cons
Insurance bill can spike if you take a road trip
Not accredited by the Better Business Bureau
How to get the cheapest car insurance in Medford
The easiest way to find the cheapest car insurance in Medford is to shop around. Insurance companies weigh their criteria differently from one another.
Generally, insurance companies look at a driver’s ZIP code, age, marital status, driving record, credit history, and more during the underwriting process.
Some of these factors are outside your control. Others aren’t, and you can always reduce your insurance expenses with the following tips:
Focus on lowering your speed and driving safely. Speeding tickets, accidents, and DUIs can all affect your insurance premiums dramatically.
Take advantage of as many discounts as you can. Be sure to ask your insurer what discounts are available. There may be some you hadn’t considered.
Consider raising your deductible. The higher your deductible, the lower your monthly premium. However, make sure you don’t raise your deductible so high you can’t afford to pay it should you need to file a claim.
Choose minimum coverage. Opt for the minimum car insurance coverages if you have older vehicles.
Find Cheap Car Insurance in Medford, Oregon
Liability policies start at $50 per month
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Cheapest liability-only car insurance in Medford: Mile Auto
Liability insurance is the minimum amount of coverage you must carry to register and legally drive in Oregon. Liability coverage pays for the other driver’s bodily injuries and vehicle repairs in an accident you cause.
The average rate for liability-only insurance in Medford is $90 per month, and you can see a collection of rates from leading insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $50 |
| National General | $78 |
| Safeco | $78 |
| Root | $82 |
| Direct Auto | $99 |
| Dairyland | $100 |
| Liberty Mutual | $105 |
| Bristol West | $108 |
| The General | $125 |
| GAINSCO | $132 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Medford: Mile Auto
Full-coverage insurance includes liability coverage plus comprehensive and collision insurance. If you’re at fault in an accident, your full-coverage policy will pay for the other party’s vehicle repairs and medical expenses, as well as to fix your car.
You can also add other coverages to your policy, including coverage for a rental car if your car is in the shop after an accident.
The average rate for full-coverage insurance in Medford is $133 per month, and you can find a list of leading insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $61 |
| Safeco | $119 |
| Root | $124 |
| National General | $140 |
| Liberty Mutual | $160 |
| Direct Auto | $183 |
| Bristol West | $210 |
| The General | $236 |
| Dairyland | $240 |
| GAINSCO | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Medford, Oregon
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $43/mo for full coverage in Medford and other Oregon cities.
*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oregon
Oregon is an at-fault state, which means whichever driver caused the accident is responsible for paying the injured party ’s medical and repair expenses. However, personal injury protection is also a requirement, and this lets you receive payment for your medical expenses regardless of fault. The state also requires drivers to carry the minimum limits, outlined in the table below.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection | $15,000 per person |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
While drivers in Oregon aren’t required to carry more than the above minimum coverage types and limits, it may be prudent to increase these coverage amounts.
You may also want to consider adding the following coverages:
Collision coverage
If you’re at fault in an accident, collision coverage will pay to repair or replace your vehicle.
Comprehensive coverage
If your vehicle is damaged by something other than an accident, such as a storm or a fire, comprehensive coverage will pay to repair or replace it.
Cheapest car insurance for drivers with an incident
An incident is an at-fault accident, speeding ticket, DUI, or other serious traffic violation that shows on your record. An incident will usually increase your car insurance rates because insurers see incidents as indicators of future dangerous driving behavior. DUIs are seen as being especially serious and may cause your insurer to drop you altogether.
Drivers with clean driving records get better rates overall, as illustrated in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Mile Auto | $50 | $67 | $70 | $83 |
| National General | $78 | $104 | $107 | $130 |
| Safeco | $78 | $105 | $106 | $120 |
| Root | $82 | $117 | $120 | $122 |
| Direct Auto | $99 | $132 | $139 | $164 |
| Dairyland | $100 | $133 | $136 | $166 |
| Liberty Mutual | $105 | $150 | $153 | $174 |
| Bristol West | $108 | $144 | $148 | $179 |
| The General | $125 | $169 | $175 | $208 |
| GAINSCO | $132 | $188 | $174 | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age can have a dramatic effect on your car insurance rates. Teenagers pay some of the highest insurance premiums because of their lack of driving experience and an increased likelihood of being in an accident.
You can expect to enjoy your lowest insurance rates between the ages of 35 and 70. After age 70, rates start to increase again because reduced faculties make senior drivers more likely to be in an accident. In addition, seniors involved in an accident are more likely to require additional medical care.
This table illustrates the average rates you can expect to pay based on your age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $350 |
| 20s | $251 |
| 30s | $189 |
| 40s | $168 |
| 50s | $145 |
| 60s | $130 |
| 70s | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Medford, OR
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Medford car insurance quotes by credit tier
Oregon allows insurance companies to use a customer’s credit history to decide their rate; however, the state bars insurers from using it to affect rates at renewal.[4]
A licensed driver with excellent or good credit can enjoy lower rates because the company sees them as more financially stable. Companies see drivers with poor credit as less financially stable and more likely to file a claim if they’re in an accident.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Medford car insurance FAQs
Looking for more information to help you get the best car insurance rates in Medford? Consult the answers below.
How much is car insurance in Medford?
The total average rate for car insurance in Medford is $111 per month. The average rate for liability-only coverage is $90 per month, and the average rate for full coverage is $133 per month.
Who has the cheapest car insurance in Medford?
Mile Auto offers the cheapest car insurance available in Medford, at a rate of $50 per month. Medford drivers can also find affordable coverage from National General and Safeco, the second- and third-cheapest insurers in the city, with liability rates as low as $78 and $78, respectively.
However, these may not be the cheapest companies for you. That’s why it’s important to compare quotes from several insurers before choosing the best policy for your needs.
What are the best car insurance companies in Medford?
Country Financial, State Farm, and Mile Auto rank as three of the top insurers in Medford. Country Financial offers low rates for teens, who pay some of the market’s highest premiums. Meanwhile, Mile Auto charges rates based on how much you drive, leading to considerable savings for low-mileage drivers. Finally, State Farm is the nation’s biggest insurer, offers several discounts, and earns high marks for financial stability and customer service.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oregon
Sources
- Oregon Driver and Motor Vehicle Services. "Minimum Insurance Requirements."
- Oregon Department of Transportation. "Crash Data Viewer."
- Oregon Division of Financial Regulation. "A Consumer's Guide to Auto Insurance."
- Oregon Division of Financial Regulation. "A Consumer's Guide to Auto Insurance."
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Courtney Washington
Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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