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How much is car insurance in Klamath Falls?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Oregon, coverage in Klamath Falls is about $13 a month cheaper.
Compared to the rest of the country, auto insurance in Klamath Falls is more affordable. It's around $11 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Klamath Falls, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Klamath Falls to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Klamath Falls.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Klamath Falls, although men do pay a little bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Klamath Falls with a single accident on their record will usually see rates around $79 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $90 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$66|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Klamath Falls, with drivers paying around $57 per month for auto insurance.
SUV drivers will see rates of about $66 to insure their car, while car owners by and large pay around $79 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Klamath Falls, the most expensive vehicles to insure are vehicles two-to-three years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Klamath Falls follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
One other element taken into consideration is your living situation. Renters can expect to pay around $9 a month more than drivers who own property in Klamath Falls. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Klamath Falls, OR
Recent trends in car insurance for Klamath Falls drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Klamath Falls, the rates for auto insurance increased from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $52.
How does Klamath Falls compare to neighboring areas?
Why are car insurance rates in Klamath Falls different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Access to off-street parking
- Community regulations
- Number of car accidents
- Total number of drivers
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Klamath Falls?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Klamath Falls.
Klamath Falls Insurance FAQs
What factors affect car insurance quotes in Klamath Falls?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Klamath Falls different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Klamath Falls?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Klamath Falls?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Klamath Falls or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?