Buy Cheap Otis, OR Auto Insurance in 2024
Otis, OR auto insurance rates average $286 a month. Minimum auto insurance requirements in Otis, Oregon are 25/50/20 to comply with Oregon laws. To buy cheap auto insurance in Otis, OR, compare Otis auto insurance quotes from top companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Otis, OR are $286/month
- The most expensive auto insurance company in Otis after a DUI is Allstate
- Average auto insurance rates in Otis, OR for teens drivers are $6,682/year
Finding affordable Otis, Oregon auto insurance can be challenging, but everything you need to know to buy cheap Otis, OR auto insurance with confidence is right here. Auto insurance rates in Otis are affected by local factors as well as personal ones like your driving record.
See how Otis, OR car insurance rates compare to Medford auto insurance rates, Gresham auto insurance rates, and Salem auto insurance rates before you read more about the cost of auto insurance in Otis.
Don’t buy Otis, OR auto insurance until you’ve compared rates. Get free Otis, Oregon auto insurance quotes when you enter your ZIP code above.
Otis, OR Minimum Auto Insurance Requirements
The required auto insurance in Otis, OR is 25/50/20 according to the auto insurance laws in Oregon. The minimum auto insurance in Otis, Oregon is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Find Cheap Otis, OR Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Otis, OR. Take a look at Otis, Oregon auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,478 | $4,555 | $3,756 |
| American Family | $4,569 | $3,370 | $2,856 |
| Farmers | $3,893 | $3,180 | $3,015 |
| Geico | $3,900 | $3,233 | $2,565 |
| Liberty Mutual | $6,540 | $3,881 | $3,003 |
| Nationwide | $3,761 | $2,988 | $2,591 |
| Progressive | $4,020 | $3,481 | $3,246 |
| State Farm | $3,648 | $2,327 | $1,862 |
| Travelers | $3,411 | $2,674 | $2,106 |
| USAA | $3,973 | $2,212 | $1,761 |
Buy Cheap Otis, OR Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Otis, Oregon auto insurance rates? Find out how car insurance rates in Otis, OR are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,205 | $2,991 | $2,913 | $2,952 | $9,700 | $10,861 | $3,390 | $3,426 |
| American Family | $2,362 | $2,362 | $2,105 | $2,105 | $5,847 | $9,162 | $2,362 | $2,481 |
| Farmers | $1,881 | $1,844 | $1,667 | $1,770 | $7,637 | $7,810 | $2,114 | $2,181 |
| Geico | $2,410 | $2,321 | $2,243 | $2,255 | $6,214 | $5,644 | $2,569 | $2,206 |
| Liberty Mutual | $2,854 | $3,014 | $2,478 | $2,758 | $9,206 | $9,955 | $2,755 | $2,779 |
| Nationwide | $2,192 | $2,185 | $1,952 | $2,043 | $5,014 | $6,275 | $2,555 | $2,694 |
| Progressive | $1,899 | $1,720 | $1,651 | $1,699 | $8,218 | $9,056 | $2,269 | $2,146 |
| State Farm | $1,563 | $1,563 | $1,428 | $1,428 | $4,926 | $6,185 | $1,773 | $2,033 |
| Travelers | $1,801 | $1,818 | $1,620 | $1,686 | $5,031 | $6,090 | $1,882 | $1,915 |
| USAA | $1,646 | $1,598 | $1,628 | $1,571 | $5,025 | $5,398 | $2,119 | $2,203 |
Buy Cheap Otis, OR Auto Insurance for Teen Drivers
Auto insurance for teenagers in Otis can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Otis, OR are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,700 | $10,861 |
| American Family | $5,847 | $9,162 |
| Farmers | $7,637 | $7,810 |
| Geico | $6,214 | $5,644 |
| Liberty Mutual | $9,206 | $9,955 |
| Nationwide | $5,014 | $6,275 |
| Progressive | $8,218 | $9,056 |
| State Farm | $4,926 | $6,185 |
| Travelers | $5,031 | $6,090 |
| USAA | $5,025 | $5,398 |
Buy Cheap Otis, OR Auto Insurance for Seniors
You can save on senior auto insurance rates in Otis, Oregon by comparing Otis senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Otis, OR here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,913 | $2,952 |
| American Family | $2,105 | $2,105 |
| Farmers | $1,667 | $1,770 |
| Geico | $2,243 | $2,255 |
| Liberty Mutual | $2,478 | $2,758 |
| Nationwide | $1,952 | $2,043 |
| Progressive | $1,651 | $1,699 |
| State Farm | $1,428 | $1,428 |
| Travelers | $1,620 | $1,686 |
| USAA | $1,628 | $1,571 |
Find Cheap Auto Insurance Rates in Otis, OR by Coverage Level
The amount of coverage you choose is a big factor in the cost of Otis, Oregon auto insurance. Compare Otis, OR auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,751 | $4,920 | $5,119 |
| American Family | $3,592 | $3,803 | $3,400 |
| Farmers | $3,158 | $3,321 | $3,610 |
| Geico | $2,967 | $3,250 | $3,481 |
| Liberty Mutual | $4,192 | $4,463 | $4,769 |
| Nationwide | $2,971 | $3,196 | $3,175 |
| Progressive | $3,458 | $3,566 | $3,724 |
| State Farm | $2,469 | $2,616 | $2,752 |
| Travelers | $2,569 | $2,717 | $2,906 |
| USAA | $2,534 | $2,651 | $2,760 |
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Find Cheap Otis, OR Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Otis. Compare auto insurance rates in Otis, OR by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,930 | $4,930 |
| American Family | $3,543 | $3,653 |
| Farmers | $3,363 | $3,363 |
| Geico | $3,181 | $3,285 |
| Liberty Mutual | $4,475 | $4,475 |
| Nationwide | $3,114 | $3,114 |
| Progressive | $3,582 | $3,582 |
| State Farm | $2,545 | $2,679 |
| Travelers | $2,622 | $2,839 |
| USAA | $2,573 | $2,724 |
Find Cheap Otis, OR Auto Insurance Rates by Driving Record
Auto insurance rates in Otis, Oregon are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Otis, OR, take a look at the average cost for various violations versus rates for a clean driving record in Otis.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,967 | $5,344 | $5,555 | $4,853 |
| American Family | $2,504 | $3,835 | $4,845 | $3,210 |
| Farmers | $2,835 | $3,649 | $3,568 | $3,399 |
| Geico | $2,129 | $3,397 | $4,468 | $2,937 |
| Liberty Mutual | $3,967 | $4,438 | $5,091 | $4,404 |
| Nationwide | $2,641 | $2,828 | $3,999 | $2,987 |
| Progressive | $2,706 | $4,927 | $3,480 | $3,217 |
| State Farm | $2,319 | $3,023 | $2,554 | $2,554 |
| Travelers | $2,216 | $2,832 | $3,172 | $2,702 |
| USAA | $1,923 | $2,687 | $3,732 | $2,251 |
Find Cheap Otis, OR Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Otis, Oregon is higher than for a clean driving record. You can buy auto insurance after a DUI in Otis for less when you shop around and compare rates from multiple Otis, OR auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,555 |
| American Family | $4,845 |
| Farmers | $3,568 |
| Geico | $4,468 |
| Liberty Mutual | $5,091 |
| Nationwide | $3,999 |
| Progressive | $3,480 |
| State Farm | $2,554 |
| Travelers | $3,172 |
| USAA | $3,732 |
Winners by Category: Where to Buy Cheap Auto Insurance in Otis, OR
Compare rates from the cheapest auto insurance companies in Otis, OR for your needs. Take a look at how Otis, Oregon auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Otis, Oregon Auto Insurance Companies
If you’re looking for the cheapest Otis, OR auto insurance companies overall, you can compare them here. Find the best price for Otis, Oregon car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,930 |
| American Family | $3,598 |
| Farmers | $3,363 |
| Geico | $3,233 |
| Liberty Mutual | $4,475 |
| Nationwide | $3,114 |
| Progressive | $3,582 |
| State Farm | $2,612 |
| Travelers | $2,730 |
| USAA | $2,648 |
Compare Auto Insurance Quotes in Otis, OR
You can buy cheap Otis, OR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Otis, Oregon auto insurance quotes from top companies.
Frequently Asked Questions
Why is it important to have auto insurance in Otis, OR?
Auto insurance is essential in Otis, OR, and most other places, because it provides financial protection in case of accidents, theft, or damage to your vehicle. It is also a legal requirement to have at least minimum liability coverage in most states, including Oregon.
Can I find cheap auto insurance in Otis, OR in 2023?
Yes, it is possible to find affordable auto insurance in Otis, OR in 2023. By shopping around and comparing quotes from different insurance companies, you can find a policy that fits your budget while still providing adequate coverage.
What factors affect the cost of auto insurance in Otis, OR?
Several factors influence the cost of auto insurance in Otis, OR, including your driving history, age, gender, the make and model of your vehicle, your credit score, and the coverage options you choose. Insurance companies also consider the local area’s crime rates, accident history, and the average cost of repairs in determining premiums.
What are the pros of buying cheap auto insurance in Otis, OR?
- Cost savings: Cheap auto insurance allows you to save money on premiums, freeing up your budget for other expenses.
- Legal compliance: Having any auto insurance, even if it’s cheap, helps you meet the legal requirement of maintaining coverage in Otis, OR.
- Basic protection: Even with a cheap policy, you still have some coverage for accidents, liability, and property damage, offering a level of financial protection.
What are the cons of buying cheap auto insurance in Otis, OR?
- Limited coverage: Cheap auto insurance policies often have lower coverage limits, meaning you may have to pay more out of pocket in case of an accident or damage to your vehicle.
- Higher deductibles: To keep premiums low, cheap policies may have higher deductibles, which means you’ll have to pay more before your insurance kicks in.
- Limited benefits: Cheap policies may have fewer additional benefits, such as roadside assistance or rental car coverage, compared to more comprehensive and expensive options.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.