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Car Insurance
Medford OR
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Car insurance costs are always a hot topic in Medford, with the average Oregonian paying $1,432 for car insurance each year – significantly higher than the national average of $1,012. This cost can be especially burdensome to Oregon drivers as they struggle to make ends meet and provide basic necessities for their families.
So why is car insurance so expensive in Medford Oregon compared to other states? The first thing that comes to mind is Oregon's strict minimum liability requirements, which require drivers to carry a minimum of 25/50/20 coverage. These minimums include $25,000 per person bodily injury coverage, $50,000 total per accident coverage, and $20,000 property damage coverage. In comparison, other states often have lower minimum limits (sometimes even as low as 10/20/5). Oregon's high requirements are likely why car insurance costs so much in the state.
Another reason for Oregon's expensive car insurance rates is its location and climate. Oregon is located along the Pacific Coast and is frequently subjected to harsh weather conditions such as heavy rain, severe winds, and frequent flooding – meaning there’s a higher chance of filing an insurance claim after a natural disaster than in other parts of the country. Additionally, Medford Oregon has been known to experience an above average number of car accidents compared to other states, which can raise premiums on a statewide scale.
The good news? Despite Oregon's costly car insurance rates, Medford Oregonians have access to some of the best car insurance discounts in the country. Oregon state law mandates that all drivers receive an automatic 10% discount on their car insurance, and Oregon residents can score additional savings by bundling policies or increasing their deductibles.
Young drivers in Medford are often faced with higher car insurance rates than their older counterparts. This is because insurers typically consider young people to be riskier customers, due to their inexperience on the roads and lack of driving history. In Oregon, auto insurance premiums for younger drivers tend to be more expensive than those of older drivers, but there are steps you can take to reduce these costs. Oregon requires that all insured vehicles carry a minimum amount of liability coverage, which covers damages caused by an at-fault accident. Shopping around for the best rate is one way to potentially decrease the cost of your premium. Additionally, many Oregon insurers offer discounts for safe driving habits and good grades, so be sure to ask about any available discounts when purchasing a policy. By taking these steps, Oregon drivers can often reduce their auto insurance premiums and save money in the long run.
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| State Farm | Country Financial | American Family | Progressive | Geico |
| NAIC Market Share | 16.14% | 0.48% | 2.28% | 13.45% | 13.45% |
| S&P Global Ratings | AA | A+ | A | A | AA+ |
| Average Full Coverage Yearly Premium | $1,397 | $1,442 | $2,262 | $1,819 | $2,096 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
|
| State Farm | Country Financial | American Family | Progressive | Geico |
| NAIC Market Share | 16.14% | 0.48% | 2.28% | 13.45% | 13.45% |
| S&P Global Ratings | AA | A+ | A | A | AA+ |
| Average Full Coverage Yearly Premium | $1,397 | $1,442 | $2,262 | $1,819 | $2,096 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
|
| State Farm | Country Financial | American Family | Progressive | Geico |
| NAIC Market Share | 16.14% | 0.48% | 2.28% | 13.45% | 13.45% |
| S&P Global Ratings | AA | A+ | A | A | AA+ |
| Average Full Coverage Yearly Premium | $1,397 | $1,442 | $2,262 | $1,819 | $2,096 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
801 O'Hare Pkwy Ste 101, Medford, OR 97504
(541) 482-0831
http://www.ashlandinsurance.com/
1560 Biddle Rd Suite D, Medford, OR 97504
(541) 772-8788
https://alsafeinsurance.com/
720 E Jackson St #6712, Medford, OR 97504
(541) 772-3120
http://www.focus1ins.com/
3001 Biddle Rd, Medford, OR 97504
(541) 245-2188
https://agents.allstate.com/all-insured-llc-medford-or.html
711 Medford Center, Medford, OR 97504
(458) 225-1130
https://summit-low-cost-car-insurance-medford-or.business.site/
1091 Medford Center, Medford, OR 97504
(541) 770-3383
http://www.worldofinsurancemedford.com/
In Medford, drivers are required to have car insurance in order to drive legally. Knowing which companies offer the best coverage and lowest rates can be difficult. We’ve done the research for you and compared the top Oregon car insurance companies. Our list includes Oregon-based insurers as well as national providers that offer excellent coverage options in Oregon. Whether you need basic liability coverage or more comprehensive protection, our picks will help you find the best car insurance in Oregon for your needs.
When selecting a plan, make sure to consider factors such as customer service ratings, financial strength scores, discounts available and more. With so many options available, it’s important to shop around before making a decision about your Oregon auto insurance policy. Research the best Medford car insurance policies and companies to make sure you’re getting the right coverage at the best price.
We’ve evaluated Oregon-based auto insurance providers as well as national insurers that offer Medford car insurance. Our top picks are:
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $3676 | $985 |
| Reckless Driving | $3600 | $979 |
| Wrong Way/Wrong Lane | $3567 | $945 |
| Driving on Sus. License | $3188 | $942 |
| Illegal Turn | $3080 | $901 |
| Failure to Obey Traffic Sign | $3081 | $858 |
| Speeding over 15 | $3039 | $832 |
| Defective Equipment | $2649 | $804 |
| Speeding under 15 | $2065 | $761 |
Medford is a great place to live and drive, but if you are caught committing certain minor or major driving infractions, your insurance premiums may suffer. Oregon has specific regulations that determine the severity of an infraction, which in turn affects how much your car insurance will cost you.
Minor infractions such as failing to yield right of way, speeding up to 20 miles over the posted speed limit, or making illegal turns can result in fines and possible points on your driver’s license. These points can lead to increased premiums with some Medford insurers as they view it as an indicator of increased risk for them to insure you. For example, one Oregon insurer might increase rates by 15 percent for every two points added to a driver’s license.
Major infractions such as hit-and-run, reckless driving or DUI can result in even more severe penalties and higher insurance premiums. Medford Oregon law dictates that individuals convicted of a major offense like DUIs could be required to pay 150 percent more for liability coverage than someone with a clean driving record.
In Medford, fighting an infraction is often wise if you do not want higher insurance rates. You may also be able to attend specialized courses or classes related to the infraction that could help keep your rates from climbing too high. However, it is important to remember that Oregon government officials take driving infractions seriously and the consequences of breaking certain laws can be severe. It is always best to drive safely and responsibly to avoid costly insurance premiums.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1409 |
| Below Fair | $2218 |
| Poor | $2452 |
| Worst | $2741 |
The answer to the question of whether a credit score matters when it comes to getting cheaper quotes for Medford car insurance is Yes. Generally, insurers use a person’s credit score as one way to assess risk and set premiums. In Oregon, auto insurers are allowed to consider your credit history—including both current and past ratings—when they calculate premiums. However, Oregon law also requires that insurers cannot increase or decrease an applicant's premium by more than 35% based on their credit score.
A good or excellent credit rating often translates into lower car insurance premiums in Medford because these scores typically indicate financial responsibility and better money management skills among drivers. Likewise, having poor or bad credit can result in higher rates because insurers may consider drivers with this kind of rating to be more likely to file a claim in the future. Ultimately, Oregon auto insurance companies are using your credit score as an indicator of how likely you are to make a claim on your policy.
It’s important to keep in mind that Medford car insurance companies must follow the law and can only use your credit history within certain parameters when calculating premiums. Additionally, Oregon has protections in place for drivers who have experienced financial hardship due to factors outside their control such as job loss or medical bills. In these cases, Oregon drivers may qualify for favorable rates through special programs designed specifically to help individuals who are having difficulty maintaining their regular payments during difficult times.
When you purchase a vehicle in Medford, it is important to remember that there are total monthly costs associated with owning and operating the car. These include fuel, registration fees, insurance premiums, maintenance and repair costs, parking fees and more. It is essential to factor these expenses into your budget when researching vehicle options so that you can accurately calculate the true cost of ownership. Additionally, Oregon drivers are required to carry a minimum level of auto insurance coverage in order to legally drive on state roads. Be sure to research available policies and prices so that you can get the best rate possible for your needs. Taking the time to consider all aspects of car ownership will help ensure that you make an informed decision about which vehicle is best for you.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
Full coverage auto insurance includes all the required Oregon state minimums plus additional types of insurance such as collision, comprehensive and other optional forms of liability like personal injury protection. Full coverage also offers additional benefits such as rental car reimbursement, trip interruption and roadside assistance. These additional benefits provide added security when driving on Medford roads and highways.
On the other hand, Medford Oregonians who choose just liability car insurance only receive the Oregon state minimum coverage requirements. This type of policy does not cover any damage to your vehicle and will not offer any additional benefits like those offered by full coverage.
The type of coverage you choose should depend on your individual needs and budget. It's important to consider all of your options when making a decision about your auto insurance in Medford. If you are unsure, it is best to speak with an experienced insurance agent who can help you determine which type of policy works best for you.
Medford Oregon has strict auto insurance requirements for teenage drivers, as required by Oregon state law. Oregon’s Graduated Driver Licensing (GDL) program requires all teenagers under the age of 18 to take a driver education course and pass a written test before they can obtain a learner's permit. Once the learner's permit is obtained, teens must log 50 hours of supervised driving practice with an adult supervisor before they are eligible for their Oregon Intermediate License.
In Medford, it is illegal for anyone under the age of 25 years old to operate a vehicle without adequate insurance coverage. Oregon law requires that all vehicles must have liability coverage in order to be registered and operated on public roads. Liability coverage protects other people who may be injured or have property damaged due to the negligent or reckless actions of the insured driver. Oregon also requires drivers to carry a minimum amount of uninsured/underinsured motorist coverage. This type of coverage helps protect you in the event that you are involved in an accident with someone who does not have adequate insurance coverage.
Insurance companies typically consider teenage drivers as higher-risk, and thus charge more for auto insurance policies. It is important to shop around and compare quotes from different companies in order to find the best rate possible. Additionally, many Medford insurers offer discounts for teen drivers who maintain good grades in school and complete driver training courses. Be sure to ask your insurer about any available discounts before committing to a policy.
If you are a senior living in Medford, then you need to know the basics of car insurance. Oregon law requires all drivers to carry liability coverage and personal injury protection (PIP). Liability coverage will protect you if you cause damage or injuries while driving, while PIP covers medical costs for yourself or your passengers. Oregon also has unique minimum requirements for uninsured/underinsured motorist coverage.
It is important to shop around when looking for car insurance as rates can vary significantly from provider to provider. Additionally, some providers offer discounts for seniors over the age of fifty-five who have taken defensive driving courses or other safety measures. Senior Medford drivers should also be aware of Oregon's special laws regarding elderly drivers such as those that require annual vision tests and that limit the number of passengers in a vehicle.
If you are a high-risk driver in Medford, you may be required to file an SR-22 form with the Oregon Department of Motor Vehicles (DMV). An SR-22 is proof that you have the minimum amount of car insurance coverage required by Oregon law. This type of insurance is most often needed if you have had your license suspended or revoked due to certain traffic violations, such as DUI/DWI convictions. You will need to maintain this form and meet Oregon's minimum auto liability insurance requirements for at least three years in order to keep your driving privileges. If a lapse in coverage occurs during this time period, the Oregon DMV could suspend your license again until another valid SR-22 form is filed. It’s important to note that Oregon SR-22 is considered a financial responsibility form, and not insurance. Your car insurance company will monitor your policy to ensure you remain in compliance with Oregon's laws. If your policy lapses or cancels at any time during the monitoring period, an SR-26 form must be filed with the Oregon DMV to prove coverage has been reinstated. Contact an authorized Oregon auto insurer today to learn more about if you need SR-22 insurance in Oregon.
If you do not yet have a valid Medford OR driver’s license but intend to apply for one, it’s important to know that Oregon requires applicants who have had their license suspended or revoked in another state to provide proof of financial responsibility. In this case, an Oregon SR-22 form will be required in order to obtain a valid Oregon driver’s license. Additionally, Oregon requires all drivers to carry proof of insurance when operating any motor vehicle in the state. The Oregon DMV may ask you to provide evidence of your auto insurance coverage when renewing your registration or conducting other business. Contact an authorized Oregon car insurance provider today for more information about Oregon's SR-22 and proof of financial responsibility requirements.
For Medford residents, the benefits of using a local insurance agent or broker are numerous. Knowledgeable and experienced Oregon-based agents will be best equipped to understand Oregon’s specific insurance needs and laws, as well as the climate risks that Oregonians face. They will be able to offer customized solutions tailored to meet your individual needs while providing personalized customer service.
Local Medford agents also have access to multiple carriers, which allows them to compare coverage options and rates from multiple providers in order to get you the best deal possible. Furthermore, local agents can provide valuable advice when it comes time for you to make important decisions about your policies. Their familiarity with Medford companies can give you an edge by offering more competitive pricing than non-local sources.
In Medford, local agents and brokers are required to be licensed by the Oregon Insurance Division to offer insurance products in Oregon. This ensures that Oregonians have access to qualified professionals who are familiar with Oregon’s insurance regulations and laws.
Using a local agent or broker in Medford can be a great way to save time and money while ensuring you get the coverage you need. With their knowledge of Oregon’s risks and benefits, experienced Oregon-based agents will be able to provide advice tailored to meet your specific needs for peace of mind when it comes time for you to purchase an insurance policy.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Medford, Oregon. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Medford, OR. If you're looking for coverage after a DUI conviction then take a look at Oregon SR22 car insurance.
Bundling auto and homeowners insurance in Medford promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Medford insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Medford at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
