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If you're looking for the best and cheapest car insurance in Cottage Grove, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Cottage Grove and prepared this guide for you.

The average auto insurance cost in Cottage Grove for full coverage is $1,006 for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Cottage Grove. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance Companies in Cottage Grove

According to a study by Insurance.com, the cheapest car insurance companies in Cottage Grove for 2022 are USAA Casualty and Eagle West .

USAA Casualty is the cheapest option for most Cottage Grove drivers, with an average annual rate of $723.

Car insurance cost may vary in Cottage Grove based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.

The following companies are known to offer the cheapest auto insurance rates in Cottage Grove

CompaniesAverage Annual Rates
USAA Casualty$723
Eagle West$766
Nationwide General$822
American Family$832
Standard Fire$832
GEICO Casualty Co$835
State Farm Mutl Automobile Ins$835
Progressive Universal$1,086
Unitrin Safeguard$1,190
Metropolitan Direct P&C$1,263
Allstate F&C$1,426
Farmers of Oregon$1,458

Cheapest car insurance cost in Cottage Grove by Age Group

The cheapest auto insurance company in Cottage Grove for teen drivers is State Farm Mut Auto Ins Co. For full coverage, its average annual rate for Cottage Grove drivers is $3,049. 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 your parents' car insurance policy for as long as possible.

Progressive Universal Ins Co is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Cottage Grove at about $1,513 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Cottage Grove is the Progressive Universal Ins Co. Its average rate for a full coverage car insurance policy is $898 per year.

If you are a senior driver in Cottage Grove and looking for a cheap car insurance company, then consider buying insurance from the Progressive Universal Ins Co. It is the cheapest auto insurance company for senior drivers with an average premium of $814 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Progressive Universal$898$814$4,928$1,513
State Farm Mut Auto$1,073$1,024$3,049$1,791
Geico Cas Co$1,292$1,184$3,583$1,698
Nationwide Gen$1,303$1,199$4,587$2,226
Farmers Of OR$1,373$1,270$6,811$1,964
Allstate Fire & Cas$2,173$2,201$7,273$3,157

Cheapest car insurance companies in Cottage Grove by driver profile

Car insurance rates in Cottage Grove vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

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

Here are some of the cheapest car insurance companies in Cottage Grove based on driver profile.

  • Cheapest for a driver with Poor Credit: Eagle West
  • Cheapest for a driver with a speeding ticket: State Farm
  • Cheapest for accident: State Farm
  • Cheapest for DUI: State Farm

Cheapest for a driver with Poor Credit: Eagle West

The cheapest car insurance company for a driver with poor credit is Eagle West . It offers auto insurance for Cottage Grove drivers at about $1,600 per year.

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

CompaniesAverage Annual Rates
Eagle West$1,600
Geico$1,826
Nationwide$1,843
Standard Fire$2,098
USAA$2,545
State Farm$2,567
Unitrin$2,615
American Family$2,632
Progressive$2,953
Farmers Ins$3,025
Allstate$3,197
Metropolitan$4,160

Cheapest for drivers with a speeding ticket: State Farm

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 age 30 at about $1,146 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$1,146
Eagle West$1,504
USAA$1,583
Standard Fire$1,760
Nationwide$1,824
American Family$1,925
Progressive$2,177
Unitrin$2,302
Allstate$2,336
Farmers Ins$2,354
Geico$2,483
Metropolitan$2,893

Cheapest auto insurance after an at-fault accident: State Farm

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Cottage Grove is $1,344. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
State Farm$1,344
Eagle West$1,618
American Family$1,743
Standard Fire$1,752
Nationwide$1,856
USAA$1,890
Geico$2,400
Unitrin$2,488
Progressive$2,529
Farmers Ins$2,530
Allstate$3,207
Metropolitan$5,349

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Cottage Grove for drivers after a DUI. Its average annual rate for full coverage is $1,146.

If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.

CompaniesAverage Annual Rates
State Farm$1,146
Eagle West$1,698
Standard Fire$1,846
American Family$1,925
Progressive$1,940
USAA$2,059
Nationwide$2,294
Farmers Ins$2,455
Allstate$2,636
Geico$2,828
Unitrin$3,303
Metropolitan$4,633

Average car insurance cost in Cottage Grove

The average car insurance rate in Cottage Grove for full coverage is $1,006 per year or $084 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Cottage Grove is $410 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,006$410

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