Cheapest Auto Insurance in Medford, Oregon (2024)

Mile Auto offers the cheapest car insurance in Medford, starting at $53 per month.

Courtney 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 Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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 July 25, 2024

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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 $94, and the average monthly rate for full coverage is $165. 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, Safeco, and National General 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 CompanyIQ 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 CoverageLiability OnlyBest For
Country Financial8.8$47$22Teen drivers
State Farm9.3$64$43Discounts
Mile Auto7.5$71$57Low-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

Compare personalized, real-time quotes
User Reviews
3.2
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.
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.
$19/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.
$41/mo

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

Read more driver reviews of Country Financial
Katlyn - July 15, 2024
Verified

Way too expensive

The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.

Linda - July 15, 2024
Verified

Great Customer Service

I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.

Brian - July 15, 2024
Verified

Great until complications arose...

Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!

Best insurer for discounts: State Farm

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User Reviews
3.2
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.
$55/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.
$120/mo

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

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
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.
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.
$53/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.
$66/mo

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

Read more driver reviews of Mile Auto
Deborah - July 8, 2024
Verified

Sometimes Better Than Others

They're good, it just takes a while for them to do anything.

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 $53 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 $94 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$53
Safeco$77
National General$92
Liberty Mutual$95
GAINSCO$97
Midvale Home & Auto$101
Direct Auto$108
Dairyland$115
Bristol West$128
The General$139
Root$148
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 $165 per month, and you can find a list of leading insurers below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$66
Safeco$112
Liberty Mutual$162
Midvale Home & Auto$165
GAINSCO$177
National General$184
Direct Auto$212
Root$237
The General$250
Bristol West$253
Dairyland$275
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.

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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you’re at fault in an accident, collision coverage will pay to repair or replace your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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: Monday, July 1 at 12:00 PM PDT
Insurance Company Clean Driving Record With Speeding Ticket With At-Fault Accident With DUI
Mile Auto$53$76$80$82
Safeco$77$107$105$132
National General$92$125$130$158
Liberty Mutual$95$142$144$163
GAINSCO$97$145$131$167
Midvale Home & Auto$101$143$150$174
Direct Auto$108$148$154$186
Dairyland$115$158$161$198
Bristol West$128$174$177$220
The General$139$192$198$239
Root$148$214$220$255
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.

AgeAverage 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 $129 per month. The average rate for liability-only coverage is $94 per month, and the average rate for full coverage is $165 per month.

  • Who has the cheapest car insurance in Medford?

    Mile Auto offers the cheapest car insurance available in Medford, at a rate of $53 per month. Medford drivers can also find affordable coverage from Safeco and National General, the second- and third-cheapest insurers in the city, with liability rates as low as $77 and $92, 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Oregon Driver and Motor Vehicle Services. "Minimum Insurance Requirements."
  2. Oregon Department of Transportation. "Crash Data Viewer."
  3. Oregon Division of Financial Regulation. "A Consumer's Guide to Auto Insurance."
  4. Oregon Division of Financial Regulation. "A Consumer's Guide to Auto Insurance."
Courtney 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 Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

Featured in

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