Cheapest Auto Insurance in Medford, Oregon (2026)
State Farm offers the cheapest car insurance in Medford, starting at $60 per month.
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Written byCourtney Washington
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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.
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Chris SchaferDeputy Managing Editor, News and Marketing Content
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7+ years in business and financial services content
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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 $77, and the average monthly rate for full coverage is $120. 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
State Farm, Mile Auto, and Sun Coast 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 | 9.1 | $47 | $22 | Teen drivers |
| State Farm | 9.3 | $64 | $43 | Discounts |
| Mile Auto | 8.8 | $87 | $73 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time Medford car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Medford 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 55,000 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 | 4.0 |
|---|---|
| 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. | 9.1 /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. | $89/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. | $114/mo |
4.0
Best choice in Medford, ORBased on 65 verified driver reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviews - See all 35 Country Financial reviews
Luke
Verified Review
Country Financial
Reviewed in Colorado on February 23, 2026
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Tracy
Verified Review
Insurance Experience
Reviewed in Nevada on October 28, 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Teresa
Verified Review
Getting too pricey
Reviewed in Illinois on October 25, 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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 | 4.1 |
|---|---|
| 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. | $60/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. | $77/mo |
4.1
Best choice in Medford, ORBased on 15,424 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Customer service
Competitive rates
Discounts for safe drivers
Showing 35 Oregon reviews for Medford drivers - See all 7,109 State Farm reviews
Beverly
Verified Review
Very rough for a widow of almost 86.
Reviewed in Oregon on February 9, 2026
Claims are fast, and the local agent Aaron is very helpful. However, the prices are way too high for a widow on social security only, which is why I have to look for cheaper insurance. How can I afford $928.00 for 6 months? I can't, but I'm sorry when I only make $1,728.00 a month.
Nadine
Verified Review
Quick and easy although until I verify a few things
Reviewed in Oregon on February 8, 2026
I always refer friends to State Farm; they've always had my back.
Deborah
Verified Review
Frustrated with Policy Cancellation
Reviewed in Oregon on January 27, 2026
They are canceling my policy, so I'd give them a zero! I've had a great record for 50 years. No tickets, no accidents, always paid on time, good credit score, CDL for 30 years. I had an accident where I was an innocent bystander. It totaled my car of 18 years. It hurt! Then I got a different car, and it got keyed. So I turned it in. Had no idea it was strike three, you're out. I'm hurt, I'm angry. I paid $93 a month for full coverage, including renters. Now I'm looking at $400 a month or just liability. No renters! I won't ever refer anyone to them. I've taken two sons and my granddaughter. I hope they go elsewhere. Everyone says State Farm is notorious for this.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 4.5 |
|---|---|
| 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. | $61/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. | $73/mo |
4.5
Best choice in Medford, ORBased on 188 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Medford for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 65 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
…
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.
2.18A.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 $60 per month
Excellent
4.7 out of 5 based on 12,168 reviews
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Cheapest liability-only car insurance in Medford: State Farm
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 $77 per month, and you can see a collection of rates from leading insurers in the table below.
The below rates in Medford, OR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $60 |
| Mile Auto | $61 |
| Sun Coast | $63 |
| USAA | $71 |
| National General | $74 |
| GEICO | $75 |
| Bristol West | $81 |
| Safeco | $84 |
| The General | $87 |
| Dairyland | $89 |
| COUNTRY Financial | $89 |
| Direct Auto | $99 |
| American Family | $102 |
| Root | $103 |
| Nationwide | $105 |
| Allstate | $117 |
| Farmers | $139 |
| Liberty Mutual | $140 |
| GAINSCO | $140 |
| Travelers | $170 |
Disclaimer: Table data sourced from real-time Medford car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Medford 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 $120 per month, and you can find a list of leading insurers below.
The below rates in Medford, OR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $73 |
| State Farm | $77 |
| USAA | $90 |
| GEICO | $97 |
| COUNTRY Financial | $114 |
| Safeco | $119 |
| American Family | $130 |
| Nationwide | $135 |
| National General | $135 |
| Root | $149 |
| Allstate | $150 |
| The General | $152 |
| Bristol West | $152 |
| Sun Coast | $154 |
| Direct Auto | $158 |
| Liberty Mutual | $169 |
| Farmers | $178 |
| Dairyland | $205 |
| Travelers | $219 |
| GAINSCO | $261 |
Disclaimer: Table data sourced from real-time Medford car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Medford may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Medford, Oregon
Drivers in and around Medford, Oregon have found policies from State Farm, Mile Auto, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Medford, Oregon within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 26, 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 26, 2026. 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 in Medford, OR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $60 | $80 | $81 | $82 |
| Mile Auto | $61 | $78 | $84 | $84 |
| Sun Coast | $63 | $86 | $87 | $80 |
| USAA | $71 | $96 | $97 | $97 |
| National General | $74 | $96 | $101 | $101 |
| GEICO | $75 | $102 | $100 | $102 |
| Bristol West | $81 | $107 | $109 | $111 |
| Safeco | $84 | $116 | $120 | $124 |
| The General | $87 | $121 | $122 | $119 |
| Dairyland | $89 | $116 | $120 | $122 |
| COUNTRY Financial | $89 | $127 | $125 | $118 |
| Direct Auto | $99 | $130 | $138 | $136 |
| American Family | $102 | $138 | $140 | $140 |
| Root | $103 | $143 | $141 | $143 |
| Nationwide | $105 | $142 | $144 | $144 |
| Allstate | $117 | $159 | $160 | $160 |
| Farmers | $139 | $186 | $189 | $191 |
| Liberty Mutual | $140 | $186 | $191 | $192 |
| GAINSCO | $140 | $175 | $183 | $192 |
| Travelers | $170 | $230 | $234 | $233 |
Disclaimer: Table data sourced from real-time Medford car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Medford 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 is based on real-time Medford quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $99 per month. The average rate for liability-only coverage is $77 per month, and the average rate for full coverage is $120 per month.
Who has the cheapest car insurance in Medford?
State Farm offers the cheapest car insurance available in Medford, at a rate of $60 per month. Medford drivers can also find affordable coverage from Mile Auto and Sun Coast, the second- and third-cheapest insurers in the city, with liability rates as low as $61 and $63, 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 190 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:
- 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.
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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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Written byCourtney Washington
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.
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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