Cheapest car insurance companies in Cottage Grove 

After an in-depth analysis, Insurance.com found that Oregon Mutual and Travelers are the cheapest car insurance companies in Cottage Grove for 2023. 

Oregon Mutual has the cheapest car insurance rates in Cottage Grove at an average cost of $965 per year.

In Cottage Grove, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
Oregon Mutual$965
Travelers$1,105
USAA$1,261
State Farm$1,307
Nationwide$1,317
Country Financial$1,379
Progressive$1,582
Geico$1,599
Farmers$1,966
Allstate$2,661
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Cottage Grove by Age Group 

The cheapest auto insurance company in Cottage Grove for teen drivers is Country Financial. For full coverage, its average annual rate for Cottage Grove drivers is $2,607. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

Among the carriers analyzed, Country Financial is the cheapest car insurance option for young drivers in Cottage Grove, at $1,713 a year for a full coverage policy.

Drivers in Cottage Grove stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Oregon Mutual has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $978 a year

With an average annual premium of $1,135, Travelers offers Cottage Grove's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
Country Financial$2,607$1,713$1,406$1,338
Travelers$3,610$1,774$1,123$1,135
State Farm$3,641$2,085$1,307$1,277
USAA$3,971$2,063$1,274$1,301
Geico$4,664$2,337$1,567$1,311
Oregon Mutual$4,910$1,739$978$1,215
Nationwide$5,133$2,269$1,302$1,216
Progressive$7,900$2,622$1,585$1,641
Farmers$9,043$2,482$1,857$2,022
Allstate$10,030$4,287$2,638$2,729
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Cottage Grove by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Cottage Grove. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

To find the cheapest car insurance company in Cottage Grove, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

In Cottage Grove, these insurance companies offer cheap car insurance rates based on your driver profile.

Nationwide has the cheapest rates for Cottage Grove drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,269, Nationwide offers substantial savings among the insurers analyzed.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Nationwide$1,269
Geico$1,495
Travelers$1,670
State Farm$2,042
USAA$2,214
Progressive$2,222
Farmers$2,373
Allstate$2,595
Data refreshed as of May 2024
Read our full methodology

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Cottage Grove. It offers full coverage car insurance for drivers aged 30 at about $911 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$911
USAA$1,328
Nationwide$1,414
Travelers$1,458
Progressive$1,742
Allstate$1,905
Geico$1,926
Farmers$1,929
Data refreshed as of May 2024
Read our full methodology

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Cottage Grove with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,062 annually.

CompanyAverage annual rates
State Farm$1,062
Travelers$1,485
Nationwide$1,617
USAA$1,848
Geico$2,193
Farmers$2,234
Progressive$2,263
Allstate$2,718
Data refreshed as of May 2024
Read our full methodology

In Cottage Grove, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $911 a year

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$911
USAA$1,833
Travelers$1,838
Progressive$1,988
Nationwide$2,265
Farmers$2,337
Allstate$2,490
Geico$2,516
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Cottage Grove 

Full coverage car insurance in Cottage Grove for a coverage limit of 100/300/100 is $1,514 per year or $126 per month, while the state minimum coverage costs an average of $580 a year.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$1,514$580
Data refreshed as of May 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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