Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated October 30, 2024
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Table of contents
Medford is one of the top small cities in the country, and there’s plenty to love about life here. Fortunately, that list includes affordable car insurance.
State law requires anyone who registers a car in Medford to carry at least the minimum insurance requirements.[1] The average monthly cost for this liability coverage is $94, and the average monthly rate for full coverage is $165. These rates make Medford one of the more affordable cities for insurance in Oregon.
Multiple factors likely contribute to Medford’s lower rates. For example, Medford drivers have a relatively short commute time of just over 17 minutes. Less time on the road can mean a lower risk of getting into an accident. The city of more than 85,000 also has a comparatively low accident rate — Medford had just 2,011 crashes and 21 fatalities in 2021.[2]
While Medford’s average car insurance rates are lower than both the Oregon and national averages, comparing car insurance quotes could help you save even more.
Mile Auto, Safeco, and National General offer the cheapest car insurance rates in Medford.
More than 12% of 2021 accidents in Medford involved speeding, and nearly 6% involved alcohol, DOT data shows.
In Oregon, car insurers can consider credit history when deciding whether to issue a new policy, but they can’t use credit information to raise premiums when a policy renews.[3]
Cheapest car insurance companies in Medford
The cheapest auto insurance for you depends on your coverage needs and situation. Insurance companies use numerous factors to decide how much to charge each driver for coverage. Each insurer also rates each component differently. All of this means the best way to find the affordable coverage you need is to shop around and compare quotes from several insurers.
As you begin your search, keep these three insurers in mind.
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 ▲▼ |
---|---|---|---|---|
Country Financial | 8.8 | $47 | $22 | Teen drivers |
State Farm | 9.3 | $64 | $43 | Discounts |
Mile Auto | 7.5 | $72 | $59 | Low-mileage 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 teen drivers: Country Financial
User Reviews | 3.5 |
---|---|
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. | 8.8 /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. | $17/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. | $40/mo |
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Chloe
October 19, 2024
Unaffordable Rates That Increase Monthly
James
October 8, 2024
Insurance Cost
Dayna
September 17, 2024
Goodbye, Country Financial
Country Financial offers driver and family discounts to lessen the burden of insuring young drivers. The company also offers discounts for taking a driver’s safety course, having good grades, being a college graduate, and going to driving school.
The company also offers other products and several opportunities to bundle homeowners or renters insurance and auto coverage to bring pricing down even further.
Strong financial stability
24/7 claims reporting and customer service online and by phone
Can be pricey without discounts
Doesn’t carry Better Business Bureau accreditation
Best insurer for discounts: State Farm
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. | 9.3 /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. | $55/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. | $121/mo |