Cheapest Auto Insurance in Grants Pass, Oregon (2024)

In Grants Pass, Oregon, the average monthly cost of car insurance is $115. This is under the state average of $136. The city’s relatively small size (home to around 39,000 people) and bicycle-friendly environment play a role in keeping the average rate for car insurance low in the area.

Cheapest car insurance companies in Grants Pass

The best auto insurance company for Grants Pass residents depends on your driving record, as well as the coverage you need. Check out some of the insurers offering coverage in Grants Pass that provide the most affordable coverage for local residents. The rates shown in the table below are statewide rates for Oregon.

Best insurer for safe drivers: Travelers

Best insurer for full-coverage insurance: Mile Auto

Best insurer for high-risk drivers: GEICO

How to get the cheapest car insurance in Grants Pass

The cheapest auto insurance company for one Grants Pass driver may not always offer the lowest price for another. Auto insurance premiums vary based on factors including driving history, age, business, marital status, and vehicle type.

Here are some steps every driver should take to try to get the most affordable car insurance rates:^[1]

• Compare insurance quotes. Get quotes from several different insurers to see which offers the best premiums for the desired coverage. An insurance agent can help — look for an independent insurance agency with a solid reputation for customer service. Or you can get quotes online if you have some basic knowledge about your vehicle and your driving record.

• Choose a higher deductible. If you agree to pay more out of pocket if a covered incident happens, your auto insurance premiums will be lower.

• Take advantage of discounts. Most insurance companies reward you for things like safe driving or working for a certain employer.

• Bundle coverage. Buying multiple types of policies from the same company — such as home insurance or renters insurance, life insurance, and other insurance products — can help you get discounted coverage and save money.

• Improve your credit. In most states, insurers are allowed to consider credit history as a factor when setting rates. Paying bills on time and repaying debt could help you lower your costs.

Find Cheap Car Insurance in Grants Pass, Oregon

Liability-only rates start at $46 per month

Código postalView My Quotes

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

Cheapest liability-only car insurance in Grants Pass: Mile Auto

Liability-only car insurance only pays a claim if you damage another person’s property or injure them in an accident. It could pay for any resulting legal costs as well as for their damages. But it wouldn’t pay for any losses to your own vehicle or for harm you experienced due to an uninsured or underinsured driver.^[2]

The cheapest liability-only insurer in Grants Pass is Mile Auto, with an average monthly rate of $46 for minimum coverage. 

You can also check out other affordable insurers below if you’re interested in liability-only insurance coverage.

Cheapest full-coverage car insurance in Grants Pass: Mile Auto

Full-coverage auto insurance provides broader protection. It includes liability coverage but also comprehensive coverage that pays for theft, vandalism, or other non-crash losses. And if you get into a crash that you cause, your full-coverage policy will include collision coverage to repair or replace your damaged vehicle.

Mile Auto sells the cheapest full-coverage auto insurance in Grants Pass, with an average monthly premium of $57. The table below also shows other affordable insurance companies for drivers interested in full coverage.

Car insurance requirements in Oregon

Like most states, Oregon imposes certain mandates regarding car insurance. If you want to drive legally on the state’s roads, you must buy at least as much coverage as the state requires within the community.

Here are the minimum car insurance requirements in Oregon:^[3]

For many drivers, it makes sense to buy additional coverage beyond what’s required. Some other kinds of protection you may want to add to your policy include:

• 

  Comprehensive coverage

  Comprehensive coverage pays for losses resulting from non-crash causes, such as theft, bad weather, or vandalism.

• 

  Collision coverage

  Collision coverage pays for your losses in any collision not caused by another motorist, including single-vehicle crashes or collisions you’re at fault for.

• 

  Gap coverage

  Gap insurance pays the difference between what your car is worth at the time it’s damaged beyond repair and the remaining amount you still owe on your auto loan if you’re “upside down” on your car loan.

• 

  Rental car reimbursement coverage

  If you can’t drive your car due to a covered loss, this add-on pays for you to rent a vehicle to get around while your car is being repaired.

Cheapest car insurance for drivers with an incident

Certain incidents on the road make insurers fear your chances of a crash are greater. This can include things like speeding tickets, driving under the influence (DUI), or at-fault accidents.^[4] These incidents can cause your premiums to increase, as insurers feel there’s a great chance they’ll need to pay out a claim for you due to a higher accident risk.

Premium increases can be substantial after an incident, with most Oregon insurers charging at least $30 more per month for coverage for drivers with an at-fault accident. But some insurers impose bigger premium penalties than others.

The table below shows some of the most affordable insurance in Grants Pass following an incident.

Average cost of car insurance by age

Age affects collision risk, with both younger and older drivers facing the biggest danger of a crash.

Because there’s a correlation between age and risk, insurers charge different premiums for people in different age groups. Premiums typically start high for teens due to their lack of driving experience and immaturity. Costs then decline at around age 35 before beginning to climb again at 70. ^{[5] [6]}

The table below shows average monthly car insurance costs by age so you can see what you may pay depending on your life stage.

Shop for Car Insurance in Grants Pass, OR

Check quotes from 100+ top insurance companies

Código postalGet My Quotes

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

Grants Pass car insurance quotes by credit tier

Insurers aren’t allowed to cancel auto insurance policies based on credit risk factors in Oregon, but they can take your credit history into account when they set your premium initially.^[7] 

The chart below shows how much drivers can expect to pay with excellent or good credit scores versus poor credit scores.

Grants Pass car insurance FAQs