Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Updated November 21, 2024
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
In Grants Pass, Oregon, the average monthly cost of car insurance is $112. This is under the state average of $133. 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.
Grants Pass drivers pay $139 per month for full coverage and $85 per month for liability-only coverage, on average.
A full-coverage policy costs drivers in Grants Pass an average of $1,663 per year.
GEICO offers the best insurance for high-risk drivers in Grants Pass.
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.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Travelers | 9.0 | $85 | $130 | Safe drivers |
Mile Auto | 7.5 | $74 | $60 | Full coverage |
GEICO | 9.0 | $83 | $74 | High-risk drivers |
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 safe drivers: Travelers
User Reviews | 4.7 |
---|---|
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. | 9.0 /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. | $89/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. | $191/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
Travelers offers some of the most affordable car insurance in Oregon for motorists with a clean driving record, and the insurer’s safe-driving discount helps keep costs low. Travelers’ IntelliDrive program also rewards drivers who practice safe habits, and it could provide additional discounts for the many Grants Pass residents who choose to limit their time behind the wheel by taking advantage of the city’s bike-friendly streets.
Some of the lowest insurance premiums for safe drivers in Oregon
Many discount opportunities, including the IntelliDrive program
Below-average Better Business Bureau (BBB) customer rating
Rideshare insurance only available in Colorado and Illinois
Best insurer for full-coverage insurance: Mile Auto
User Reviews | 4.2 |
---|---|
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. | 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. | $51/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. | $61/mo |
Cookie
October 15, 2024
Excellent
Tasha
October 10, 2024
Not pleased
Thomas
October 8, 2024
Mixed Review
Grants Pass roads can be dangerous in the winter — especially for people who commute to their office near some common crash sites in the city, including 6th Street at Morgan and 7th Street at Park. Fortunately, full-coverage auto insurance from Mile Auto provides comprehensive protection at an affordable price, so you can make an insurance claim after any accident, no matter who’s at fault.
Pay-per-mile insurance offers low rates
No telematics-based tracking device required
Available in only 11 states
Limited coverage options
Best insurer for high-risk drivers: GEICO
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. | 9.0 /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. | $54/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. | $119/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
George
November 19, 2024
Service
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
GEICO provides affordable, comprehensive insurance coverage for high-risk drivers in Grants Pass. This could include the 209 people who were arrested for DUI in Grants Pass in 2022, as well as drivers who have a speeding ticket or an accident on record from the past few years. GEICO’s premiums are lower than many competitors for high-risk drivers, and the insurer also offers many opportunities to earn discounted rates.
Premiums remain relatively affordable, even for high-risk drivers
Offers SR-22 proof of insurance, which may be required after a DUI
Below-average J.D. Power customer satisfaction rating in the Northwest region
DriveEasy Pro app, which rewards drivers for safe behaviors, has mixed reviews with many reports of problems
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.
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 $51 for minimum coverage.
You can also check out other affordable insurers below if you’re interested in liability-only insurance coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Mile Auto | $51 |
National General | $78 |
Safeco | $79 |
Root | $83 |
Direct Auto | $100 |
Dairyland | $101 |
Liberty Mutual | $106 |
Bristol West | $109 |
The General | $126 |
GAINSCO | $133 |
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 $61. The table below also shows other affordable insurance companies for drivers interested in full coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Mile Auto | $61 |
Safeco | $120 |
Root | $125 |
National General | $141 |
Liberty Mutual | $162 |
Direct Auto | $184 |
Bristol West | $212 |
The General | $238 |
Dairyland | $243 |
GAINSCO | $274 |
Cheapest recent rates near Grants Pass, Oregon
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $43/mo for full coverage in Grants Pass and other Oregon cities.
*Quotes generated for Insurify users in and around Grants Pass, Oregon within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Grants Pass, Oregon within the last 10 days. Last updated on November 21, 2024
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]
Coverage ▲▼ | Minimum 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 coverage | $25,000 per person / $50,000 per accident |
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Mile Auto | $51 | $68 | $72 | $85 |
National General | $78 | $104 | $107 | $130 |
Safeco | $79 | $106 | $108 | $122 |
Root | $83 | $118 | $122 | $124 |
Direct Auto | $100 | $133 | $140 | $166 |
Dairyland | $101 | $134 | $137 | $168 |
Liberty Mutual | $106 | $151 | $155 | $176 |
Bristol West | $109 | $146 | $150 | $181 |
The General | $126 | $171 | $176 | $209 |
GAINSCO | $133 | $190 | $175 | $221 |
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $300 |
20s | $203 |
30s | $158 |
40s | $141 |
50s | $126 |
60s | $120 |
70s | $123 |
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.
Rates by Credit Tier
Grants Pass car insurance FAQs
Still have more questions about getting covered? Here are the answers to some common questions about auto insurance in Grants Pass.
How much is car insurance in Grants Pass?
Car insurance in Grants Pass costs $139 per month for full coverage and $85 per month for liability-only coverage, according to Insurify data.
Which company has the cheapest car insurance in Grants Pass?
Mile Auto has the cheapest monthly auto insurance premiums in Grants Pass, starting at $51 per month for liability-only coverage. Other cheap insurers in the city include National General and Safeco, with liability-only rates as low as $78 and $79 per month, respectively.
However, this doesn’t mean these insurers will be the cheapest for every driver. You should get several quotes to find the best price for your situation, as insurers assess risks differently when setting premiums.
What are the best car insurance companies in Grants Pass?
The best car insurance companies in Grants Pass include State Farm and USAA, each of which have IQ Scores of more than 4.0 out of 5.0 and received top customer satisfaction and financial strength ratings from both J.D. Power and AM Best.
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
- 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.
Related articles
More cities in Oregon
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- National Institute on Aging. "Safe Driving for Older Adults."
- OregonLaws. "Use of credit history or insurance score."
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in