Cheap Auto Insurance Quotes in Medford, OR (2021)

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Car Insurance in Medford, OR

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

Quotes by Top Carriers
Quotes ($/mo)
$42
$83
$97
$107
$129
ProgressiveState FarmAllstateTravelersNationwide
Monthly $

Cheapest Car Insurance in Medford, OR

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

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$142
$155
$119
$169
$127
OregonPortlandSalemEugeneGreshamMedford
Monthly $

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Medford, OR Driving Facts

oregon

Minimum Car Insurance Requirements in OR

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

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

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

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

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

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

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

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

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

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

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

Insurify Insights: How Medford Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Medford, OR
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

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

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

Accidents Medford

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Medford drivers rank 14 in the number of car accidents per driver across all cities in Oregon.

  • Rank within state: #14
  • Percent of drivers in Medford with an accident: 10.35%
  • Drivers in Medford, OR with an accident in their driving history paid on average 31.5% more than drivers with a clean record

Speeding Medford

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oregon, Medford drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Medford with a speeding ticket: 12.13%
  • Drivers in Medford, OR with a speeding ticket in their driving history paid on average 39.37% more than drivers with a clean record

DUI/DWIs Medford

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Medford drivers rank 9 in the number of DUI’s per driver across all cities in Oregon.

  • Rank within state: #9
  • Percent of drivers in Medford with a DUI: 2.32%
  • Drivers in Medford, OR with a DUI in their driving history paid on average 18.11% more than drivers with a clean record

Most Popular Vehicle Medford

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Medford is the Honda Accord.

Rude Medford

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oregon, Medford drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Medford with a reckless driving violation: 4.22%
  • Drivers in Medford, OR with a reckless driving violation in their driving history paid on average 25.98% more than drivers with a clean record.

Safest Drivers Medford

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Medford drivers rank 6 in clean driving records across all cities in Oregon.

  • Rank within state: #6
  • Percent of drivers in Medford with clean record: 77.11%

Failure to Yield the Right of Way Medford

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Medford drivers rank 6 in failure to yield violations per driver across all cities in Oregon.

  • Rank within state: #6
  • Percent of drivers in Medford with a failure to yield violation: 0.41%
  • Drivers in Medford, OR with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Medford

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oregon, Medford drivers rank 5 in the number of reckless driving offenses per driver.

  • Rank within state: #5
  • Percent of drivers in Medford with a reckless driving offense: 0.14%

Hybrid/Electric Vehicle Ownership Medford

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Medford drivers rank 7 in hybrid and electric vehicle ownership across all cities in Oregon.

  • Rank within state: #7
  • Percent of drivers in Medford with a hybrid/electric vehicle: 1.16%

Insurify Rate Comparison Methodology

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