Best Lake Oswego, OR Car Insurance in 2024
Car insurance in Lake Oswego, OR averages $324 a month. Lake Oswego, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Lake Oswego car insurance rates, compare quotes from the top car insurance companies in Lake Oswego, OR.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Lake Oswego is 97035
- The cheapest car insurance company in Lake Oswego is USAA
- The cheapest car insurance company in Lake Oswego for teen drivers is USAA
If you need to buy Lake Oswego, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Lake Oswego, OR is right here.
You’ll find Lake Oswego car insurance rates, the cheapest Lake Oswego, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Lake Oswego, Oregon car insurance rates to Beaverton car insurance rates, Portland car insurance rates, and Eugene car insurance rates.
Ready to find affordable Lake Oswego, OR car insurance today? Enter your ZIP code for fast, free Lake Oswego car insurance quotes.
Cheapest Lake Oswego, OR Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lake Oswego, OR car insurance rates? Every Lake Oswego, Oregon car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,463 | $3,209 | $3,181 | $3,215 | $10,773 | $11,945 | $3,586 | $3,569 |
| American Family | $2,570 | $2,570 | $2,291 | $2,291 | $6,406 | $10,094 | $2,570 | $2,688 |
| Farmers | $2,466 | $2,416 | $2,174 | $2,322 | $10,495 | $10,758 | $2,741 | $2,783 |
| Geico | $2,569 | $2,479 | $2,424 | $2,466 | $6,801 | $6,167 | $2,735 | $2,332 |
| Liberty Mutual | $2,999 | $3,164 | $2,604 | $2,903 | $9,919 | $10,720 | $2,874 | $2,883 |
| Nationwide | $2,417 | $2,396 | $2,155 | $2,246 | $5,687 | $7,095 | $2,837 | $2,984 |
| Progressive | $2,112 | $1,906 | $1,843 | $1,893 | $9,359 | $10,320 | $2,525 | $2,382 |
| State Farm | $1,966 | $1,966 | $1,811 | $1,811 | $6,405 | $8,040 | $2,235 | $2,561 |
| Travelers | $2,017 | $2,046 | $1,844 | $1,925 | $5,958 | $7,359 | $2,107 | $2,150 |
| USAA | $1,691 | $1,635 | $1,688 | $1,618 | $5,235 | $5,592 | $2,177 | $2,247 |
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Minimum Car Insurance in Lake Oswego, OR
Every driver must carry the minimum car insurance required by the state in Lake Oswego, OR. Take a look at the Oregon car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Lake Oswego, OR Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lake Oswego, OR. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lake Oswego from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,060 | $4,958 | $4,085 |
| American Family | $4,990 | $3,694 | $3,121 |
| Farmers | $5,205 | $4,288 | $4,065 |
| Geico | $4,220 | $3,497 | $2,773 |
| Liberty Mutual | $6,959 | $4,129 | $3,187 |
| Nationwide | $4,195 | $3,338 | $2,898 |
| Progressive | $4,523 | $3,932 | $3,672 |
| State Farm | $4,682 | $2,982 | $2,384 |
| Travelers | $3,931 | $3,128 | $2,469 |
| USAA | $4,084 | $2,293 | $1,830 |
Cheapest Lake Oswego, OR Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lake Oswego, OR to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,290 | $5,848 | $6,057 | $5,275 |
| American Family | $2,741 | $4,176 | $5,308 | $3,515 |
| Farmers | $3,818 | $4,922 | $4,814 | $4,524 |
| Geico | $2,279 | $3,679 | $4,895 | $3,135 |
| Liberty Mutual | $4,215 | $4,722 | $5,414 | $4,682 |
| Nationwide | $2,949 | $3,158 | $4,466 | $3,335 |
| Progressive | $3,045 | $5,581 | $3,921 | $3,622 |
| State Farm | $2,959 | $3,896 | $3,271 | $3,271 |
| Travelers | $2,570 | $3,295 | $3,707 | $3,130 |
| USAA | $1,976 | $2,771 | $3,877 | $2,318 |
Cheapest Lake Oswego, OR Car Insurance for Teen Drivers
Teen car insurance in Lake Oswego, OR can be expensive. Take a look at rates from the top car insurance companies in Lake Oswego for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,773 | $11,945 |
| American Family | $6,406 | $10,094 |
| Farmers | $10,495 | $10,758 |
| Geico | $6,801 | $6,167 |
| Liberty Mutual | $9,919 | $10,720 |
| Nationwide | $5,687 | $7,095 |
| Progressive | $9,359 | $10,320 |
| State Farm | $6,405 | $8,040 |
| Travelers | $5,958 | $7,359 |
| USAA | $5,235 | $5,592 |
Cheapest Lake Oswego, OR Car Insurance for Seniors
Take a look at Lake Oswego, OR rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,181 | $3,215 |
| American Family | $2,291 | $2,291 |
| Farmers | $2,174 | $2,322 |
| Geico | $2,424 | $2,466 |
| Liberty Mutual | $2,604 | $2,903 |
| Nationwide | $2,155 | $2,246 |
| Progressive | $1,843 | $1,893 |
| State Farm | $1,811 | $1,811 |
| Travelers | $1,844 | $1,925 |
| USAA | $1,688 | $1,618 |
Cheapest Lake Oswego, OR Car Insurance Rates After a DUI
A DUI in Lake Oswego, OR increases car insurance rates. Compare Lake Oswego, Oregon car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,057 |
| American Family | $5,308 |
| Farmers | $4,814 |
| Geico | $4,895 |
| Liberty Mutual | $5,414 |
| Nationwide | $4,466 |
| Progressive | $3,921 |
| State Farm | $3,271 |
| Travelers | $3,707 |
| USAA | $3,877 |
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Cheapest Lake Oswego, OR Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lake Oswego, OR by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,368 | $5,368 |
| American Family | $3,874 | $3,996 |
| Farmers | $4,519 | $4,519 |
| Geico | $3,442 | $3,551 |
| Liberty Mutual | $4,758 | $4,758 |
| Nationwide | $3,477 | $3,477 |
| Progressive | $4,042 | $4,042 |
| State Farm | $3,261 | $3,438 |
| Travelers | $3,048 | $3,303 |
| USAA | $2,657 | $2,814 |
Cheapest Lake Oswego, OR Car Insurance Rates by ZIP Code
Lake Oswego car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lake Oswego, OR.
| ZIP Code | Average Annual Rates |
|---|---|
| 97034 | $3,694 |
| 97035 | $3,627 |
The Best Cheap Car Insurance Companies in Lake Oswego, OR
Take a look at a side-by-side comparison of the top car insurance companies in Lake Oswego, OR to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,368 |
| American Family | $3,935 |
| Farmers | $4,519 |
| Geico | $3,497 |
| Liberty Mutual | $4,758 |
| Nationwide | $3,477 |
| Progressive | $4,042 |
| State Farm | $3,349 |
| Travelers | $3,176 |
| USAA | $2,736 |
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Category Winners: Cheapest Car Insurance in Lake Oswego, Oregon
Find the cheapest car insurance companies in Lake Oswego, OR for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Lake Oswego, OR Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lake Oswego car insurance rates. Find the cheapest Lake Oswego, OR car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,103 | $5,355 | $5,645 |
| American Family | $3,903 | $4,165 | $3,737 |
| Farmers | $4,197 | $4,452 | $4,909 |
| Geico | $3,169 | $3,521 | $3,800 |
| Liberty Mutual | $4,437 | $4,746 | $5,093 |
| Nationwide | $3,275 | $3,573 | $3,583 |
| Progressive | $3,894 | $4,023 | $4,210 |
| State Farm | $3,150 | $3,356 | $3,541 |
| Travelers | $2,953 | $3,156 | $3,418 |
| USAA | $2,607 | $2,739 | $2,860 |
What affects car insurance rates in Lake Oswego, Oregon?
What are the factors that affect car insurance rates in Lake Oswego, OR? There are several reasons why Lake Oswego car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lake Oswego, Oregon.
Car Theft in Lake Oswego
High levels of vehicle theft can make car insurance more expensive. Lake Oswego, OR car theft statistics from the FBI indicate 28 vehicle thefts a year.
Commute Time in Lake Oswego
The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Oswego, OR is 24.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Lake Oswego, OR
Ready to find affordable Lake Oswego, Oregon car insurance today? Enter your ZIP code for fast, free Lake Oswego, OR car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Lake Oswego, OR?
To compare car insurance rates in Lake Oswego, OR, you can follow these steps:
- Research Insurance Companies: Gather a list of insurance companies that provide coverage in Lake Oswego, OR.
- Request Quotes: Contact each insurance company on your list and request a quote for car insurance specific to Lake Oswego.
- Provide Necessary Information: Be prepared to provide information about yourself, your vehicle, and your driving history when requesting quotes.
- Compare Quotes: Once you receive quotes from multiple insurers, compare the coverage options, premiums, deductibles, and any additional features or benefits offered.
- Consider Coverage Needs: Evaluate your specific coverage needs and choose a policy that offers adequate protection for your vehicle at a price that fits your budget.
What factors can influence car insurance rates in Lake Oswego, OR?
Several factors can influence car insurance rates in Lake Oswego, OR. These factors may include:
- Age and driving experience: Younger and less experienced drivers generally face higher insurance rates compared to older and more experienced drivers.
- Vehicle make and model: The type of vehicle you own can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft can influence premiums.
- Location: The area where you live in Lake Oswego, OR, can affect insurance rates. Factors such as crime rates, accident frequency, and population density in the area can influence premiums.
- Driver’s record: Your driving history, including any accidents, traffic violations, or claims, can affect insurance rates. A clean driving record generally leads to lower premiums.
Are there any discounts available to reduce car insurance rates in Lake Oswego, OR?
Yes, there may be discounts available to reduce car insurance rates in Lake Oswego, OR. Some common discounts that may be applicable include:
- Multi-vehicle discount: Insuring multiple vehicles with the same insurance provider can often lead to a discount on premiums.
- Good driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a good driver discount.
- Bundling discounts: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your car insurance from the same provider may result in a discount.
- Safety features discount: Vehicles equipped with advanced safety features may be eligible for a discount. Check with your insurance company to see which safety features qualify.
- Good student discount: If you or a family member on your policy is a full-time student with good grades, you may be eligible for a discount.
Do car insurance rates vary among insurance companies in Lake Oswego, OR?
Yes, car insurance rates can vary among insurance companies in Lake Oswego, OR. Each insurance company uses its own formula to calculate rates, considering factors such as your driving profile, vehicle details, and their claims experience. It’s important to compare quotes from multiple insurers to find the best coverage and rates for your specific needs.
Can I change my car insurance policy in Lake Oswego, OR if I find a better rate?
Yes, you have the option to change your car insurance policy in Lake Oswego, OR if you find a better rate. Before making any changes, review the terms and conditions of your current policy, including any cancellation fees or potential gaps in coverage. It’s also recommended to reach out to your current insurer to discuss any concerns or potential discounts they may offer to retain your business.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.