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How much is car insurance in Grants Pass?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $25 a month cheaper to insure your vehicle in Grants Pass than it is in the rest of Oregon.
Similarly, when compared to the national average, the cost for auto insurance in Grants Pass is lower. The average monthly payment for the U.S. as a whole is about $23 more expensive than in Grants Pass.
Although these are the average car insurance rates in Grants Pass, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Grants Pass residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $45 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Grants Pass.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The price for insurance coverage in Grants Pass, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Grants Pass, drivers with one accident on their record will experience rates around $63 a month. In addition, drivers with one ticket can expect to pay around $70 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$57|
In terms of affordable coverage, the cheapest vehicles to insure in Grants Pass are by and large SUVs, at $54 per month.
Car owners can expect to pay an average of around $58 a month for their policy, while truck and van drivers are usually around $62 to insure each month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Grants Pass, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
On average, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Grants Pass can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Grants Pass. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Grants Pass, OR
Recent trends in car insurance for Grants Pass drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of auto insurance in Grants Pass dropped from 2017-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $52 a month
How does Grants Pass compare to neighboring areas?
Why are car insurance rates in Grants Pass different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the community
- Community regulations
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Grants Pass?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Grants Pass.
Grants Pass Insurance FAQs
What factors affect car insurance quotes in Grants Pass?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Grants Pass different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Grants Pass?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Grants Pass?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Grants Pass or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.