+120 more*These quotes are from Compare.com users in and around Medford, Oregon within the last 10 days. Updated on June 4, 2026
*These quotes are from Compare.com users in and around Medford, Oregon within the last 10 days. Updated on June 4, 2026
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Companies like State Farm and Mile Auto are among the cheapest companies in the area, with average rates starting at just $58 per month.
Liability-only coverage in Medford costs an average of $76 per month, while full coverage averages $132.
Our top picks for Medford drivers include State Farm, USAA, and Chubb.
Car insurance rates in Medford vary depending on factors like your driving record, age, the kind of vehicle you drive, and the coverage you choose.[1] Each company assesses risk differently, so two drivers with the same type of car might pay very different rates.
Understanding average rates for drivers similar to yourself helps set realistic expectations and identify when a quote is reasonable.
The table below shows the cheapest car insurers in Medford for different driver profiles and coverage types, based on Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | Mile Auto |
| Teens | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUII | State Farm |
| Seniors | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
Some insurance companies tend to stand out for their affordability in Medford.
The table below shows the overall cheapest car insurance companies in Medford and their average monthly premiums, based on Compare.com data. But keep in mind that your rates depend on your driving history and the type of vehicle you drive.
Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| Mile Auto | $65 |
| Sun Coast | $66 |
| USAA | $69 |
| Progressive | $73 |
| GEICO | $74 |
| National General | $75 |
| Bristol West | $84 |
| The General | $84 |
| Safeco | $85 |
| Country Financial | $87 |
| Dairyland | $91 |
| American Family | $99 |
| Root | $100 |
| Direct Auto | $101 |
| Nationwide | $103 |
| Allstate | $114 |
| Liberty Mutual | $132 |
| Farmers | $135 |
| Travelers | $166 |
| GAINSCO | $173 |
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
Liability-only car insurance meets Oregon’s minimum coverage requirements. It pays if you accidentally injure someone else or damage their property, but it won’t cover the cost of repairing your vehicle.
This type of basic coverage is best for drivers with older cars that they aren’t leasing or financing. In Medford, the average cost of minimum coverage is $76 per month.
The chart below lists the companies offering the most affordable liability-only coverage in Medford, based on data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| Mile Auto | $65 |
| Sun Coast | $66 |
| USAA | $69 |
| Progressive | $73 |
| GEICO | $74 |
| National General | $75 |
| Bristol West | $84 |
| The General | $84 |
| Safeco | $85 |
| Country Financial | $87 |
| Dairyland | $91 |
| American Family | $99 |
| Root | $100 |
| Direct Auto | $101 |
| Nationwide | $103 |
| Allstate | $114 |
| Liberty Mutual | $132 |
| Farmers | $135 |
| Travelers | $166 |
| GAINSCO | $173 |
Like nearly every state, Oregon requires all drivers to buy car insurance before hitting the road.[2] These minimum requirements help protect you if you cause an accident or an uninsured driver hits you.
Oregon requires drivers to have the following state-minimum coverage amounts:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident
Personal injury protection: $15,000 per person
Uninsured/underinsured motorist (UM/UIM): $25,000 per person and $50,000 per accident
While these basic limits meet legal requirements, experts often recommend choosing higher limits to protect yourself financially.[3]
Full-coverage car insurance includes liability protection plus collision and comprehensive coverage. Comprehensive coverage pays for non-collision events, such as hail damage, theft, and vandalism, while collision coverage pays to repair your vehicle after an accident.
A full-coverage policy offers the most comprehensive protection, especially if you drive a newer or high-value vehicle. And if you finance or lease your vehicle, your lender or leasing company will likely require it.[4]
The average full-coverage premium in Medford is $132 per month.
The chart below shows the five cheapest insurance companies for full-coverage policies in Medford, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $81 |
| State Farm | $97 |
| Progressive | $107 |
| USAA | $115 |
| Safeco | $118 |
| GEICO | $123 |
| National General | $136 |
| Country Financial | $145 |
| Root | $147 |
| Bristol West | $153 |
| Sun Coast | $159 |
| American Family | $165 |
| Nationwide | $172 |
| Liberty Mutual | $178 |
| Direct Auto | $179 |
| Allstate | $190 |
| The General | $193 |
| Dairyland | $194 |
| Farmers | $226 |
| Travelers | $278 |
| GAINSCO | $287 |
Teen drivers have some of the highest insurance rates due to their limited driving experience and higher accident risk. In fact, teen drivers have a crash risk nearly four times greater than drivers aged 20 or older per, according to the Insurance Institute for Highway Safety (IIHS).[5]
Adding your teen to your family policy is one way to keep insurance costs manageable. Many insurers also give discounts for good grades and clean driving records.[6]
The average premium for teen drivers in Medford is $199 per month.
The following chart highlights the five cheapest insurance companies for teen drivers in Medford, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $116 |
| Sun Coast | $126 |
| USAA | $131 |
| Mile Auto | $137 |
| GEICO | $137 |
| Progressive | $140 |
| Country Financial | $144 |
| Bristol West | $153 |
| National General | $154 |
| The General | $155 |
| Root | $156 |
| Dairyland | $163 |
| Safeco | $177 |
| American Family | $192 |
| Direct Auto | $201 |
| Nationwide | $206 |
| Allstate | $231 |
| Liberty Mutual | $238 |
| Farmers | $277 |
| GAINSCO | $316 |
| Travelers | $354 |
Rates in Medford start at $58 per month.
Senior drivers often pay some of the lowest car insurance rates thanks to their years of driving experience.[7] The average monthly premium for drivers in their 60s is $90, according to Compare.com data.
And with the right company, you can find an even better deal. To help you out, the chart below lists the car insurance companies with the lowest average rates for Medford seniors.
Company | Average Monthly Premium |
|---|---|
| State Farm | $45 |
| Mile Auto | $51 |
| USAA | $56 |
| Sun Coast | $57 |
| GEICO | $59 |
| National General | $59 |
| Progressive | $63 |
| Country Financial | $69 |
| Bristol West | $70 |
| The General | $72 |
| Safeco | $74 |
| Dairyland | $77 |
| Nationwide | $79 |
| American Family | $79 |
| Direct Auto | $83 |
| Root | $92 |
| Allstate | $92 |
| Farmers | $107 |
| Liberty Mutual | $110 |
| Travelers | $132 |
| GAINSCO | $148 |
In Oregon, traffic violations, at-fault accidents, and driving under the influence of intoxicants (DUII) can lead to higher premiums when your policy renews. Car insurance companies view these as signs that you’re a risky driver. Even one incident can raise your insurance rates for several years.
The following tables show the cheapest car insurance companies for Medford drivers with a recent speeding ticket, at-fault accident, or DUII conviction, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $77 |
| Mile Auto | $83 |
| Sun Coast | $90 |
| USAA | $93 |
| National General | $98 |
| Progressive | $100 |
| GEICO | $101 |
| Bristol West | $111 |
| Safeco | $116 |
| The General | $117 |
| Dairyland | $118 |
| Country Financial | $123 |
| Root | $125 |
| Direct Auto | $133 |
| American Family | $134 |
| Nationwide | $139 |
| Allstate | $155 |
| Liberty Mutual | $176 |
| Farmers | $181 |
| GAINSCO | $217 |
| Travelers | $225 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $78 |
| Mile Auto | $89 |
| Sun Coast | $90 |
| USAA | $94 |
| GEICO | $99 |
| Progressive | $100 |
| National General | $102 |
| Bristol West | $113 |
| The General | $117 |
| Safeco | $120 |
| Country Financial | $121 |
| Dairyland | $122 |
| Root | $128 |
| American Family | $135 |
| Direct Auto | $140 |
| Nationwide | $141 |
| Allstate | $156 |
| Liberty Mutual | $178 |
| Farmers | $184 |
| GAINSCO | $225 |
| Travelers | $228 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Sun Coast | $88 |
| Mile Auto | $90 |
| USAA | $96 |
| Progressive | $98 |
| GEICO | $102 |
| National General | $104 |
| The General | $113 |
| Bristol West | $117 |
| Country Financial | $118 |
| Safeco | $126 |
| Dairyland | $127 |
| American Family | $131 |
| Root | $139 |
| Direct Auto | $140 |
| Nationwide | $143 |
| Allstate | $158 |
| Liberty Mutual | $184 |
| Farmers | $188 |
| Travelers | $231 |
| GAINSCO | $241 |
In Oregon, your credit history can affect how much you pay for car insurance. That’s because some insurance companies use credit-based insurance scores to predict risk.[8]
In Medford, drivers with excellent credit pay about $90 per month, while drivers with poor credit pay an average of $130, according to our data.
But not all insurance companies use credit when setting rates. And some companies offer affordable insurance options regardless of your credit history.
The tables below list the cheapest insurance companies for Medford drivers with excellent credit and residents with less-than-perfect credit histories.
Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| Mile Auto | $55 |
| Sun Coast | $57 |
| USAA | $60 |
| GEICO | $61 |
| Progressive | $63 |
| National General | $66 |
| The General | $73 |
| Bristol West | $74 |
| Safeco | $75 |
| Country Financial | $78 |
| Dairyland | $79 |
| American Family | $84 |
| Direct Auto | $88 |
| Root | $89 |
| Nationwide | $90 |
| Allstate | $98 |
| Liberty Mutual | $107 |
| Farmers | $115 |
| Travelers | $143 |
| GAINSCO | $150 |
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $80 |
| Sun Coast | $83 |
| State Farm | $84 |
| USAA | $85 |
| Progressive | $91 |
| GEICO | $92 |
| National General | $93 |
| Bristol West | $104 |
| The General | $104 |
| Country Financial | $105 |
| Safeco | $105 |
| Dairyland | $113 |
| American Family | $119 |
| Root | $124 |
| Direct Auto | $125 |
| Nationwide | $127 |
| Allstate | $141 |
| Liberty Mutual | $158 |
| Farmers | $167 |
| Travelers | $205 |
| GAINSCO | $214 |
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Insurance rates vary from company to company, so it pays to compare quotes and ask about discounts.
You can potentially lower your premium with the following steps:
Shop around regularly. Compare quotes from at least three insurance companies before renewing your existing policy.
Bundle policies. Many insurance companies offer a discount when you buy your auto insurance and another type of insurance, such as home, renters, business, or life insurance.
Maintain a clean driving record. Avoid tickets and accidents to keep rates low.
Adjust your coverages. Consider raising your deductible or dropping optional coverages, like roadside assistance or rental car coverage.
Ask about discounts. Ask your insurance agent about available discounts. Many companies offer discounts for things like taking a defensive driving course, having a car alarm, or insuring more than one car on the same policy.
Finding the best car insurance in Medford, Oregon, is about more than price. In addition to your budget, consider factors like your coverage needs, the age of drivers in your household, and the discounts or special programs offered by the company.
We selected the following companies based on their average rates, available discounts, customer satisfaction scores, and coverage options. Each of these insurers stands out in a different category.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a good option for Medford families with teen drivers. Its Steer Clear and Drive Safe & Save programs reward safe driving habits, which can help offset your teen driver’s higher rates.
The company also offers a good student discount and a driver training discount to lower your teen’s premiums even more.
State Farm has a reputation for reliable claims service, and you can receive personalized service from one of Medford’s local State Farm agents.
Many local agents
Teen driver discount
Feature-rich mobile app
May not be the cheapest option
Gap insurance not available
Doesn’t offer accident forgiveness
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 743 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA consistently ranks at or near the top of J.D. Power’s customer satisfaction and claims satisfaction studies. It also offers some of the lowest average rates if you’re eligible for coverage.
But coverage is available only to military members, veterans, employees of certain federal agencies, pre-commissioned officers, and the spouses and children of those groups.
If you qualify, its coverage options, discount programs, and low premiums make it a stand-out choice.
Top-rated customer service
Consistently low rates for eligible members
Excellent claims-handling reputation
Available only to military members, veterans, and their families
No local agents for in-person service
No diminishing deductible
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $118/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $223/mo |
Chubb caters to drivers of high-value cars and luxury vehicles. It offers agreed-value coverage, which lets you state your car’s value before you ever file a claim and guarantees payment for claims based on that amount.
It also pays to repair your car with original equipment manufacturer (OEM) parts if you’re in an accident.
While Chubb might not be the cheapest option for Medford drivers, it’s worth considering if you value service and security over bargain pricing.
Reliable claims and repair service
High coverage limits and customizable policies
Available policies for classic and high-value cars
Quotes not available online
Limited mobile app functionality
Not available in all states
Answers to the following questions can provide additional information about buying car insurance in Medford.
The average car insurance price in Medford, Oregon, is $104 per month. Liability-only coverage averages $76 per month, while full coverage averages $132, according to Compare.com data.
State Farm offers the lowest average monthly rate in Medford. A liability-only policy costs an average of $58 per month, based on Compare.com data.
The best company for you depends on your needs. State Farm is a good option for teen drivers, USAA is excellent for military members, and Chubb offers unique policies for high-value and classic vehicles.
It’s a good idea to shop around and compare costs and coverage from multiple companies to find the best policy for you.
Car insurance tends to be more affordable in Medford than in other Oregon cities. Its average rate is $104 per month. To put that in perspective, the statewide average is $124 per month, and the national average rate is $140.
Your premiums depend on factors like your driving record, age, ZIP code, coverage, and the type of car you drive.
Not really. Oregon’s minimum liability limits meet legal requirements, but they may not fully protect you if you’re involved in a serious crash. The Insurance Information Institute (Triple-I) recommends higher limits to avoid out-of-pocket expenses if the damages exceed your policy limits.
As an example, say you lose control of your vehicle and crash into a building, causing $50,000 in damages. If you have only $20,000 in property damage liability (the minimum in Oregon), you’d have to pay the remaining $30,000 yourself.
In Oregon, State Farm has the cheapest average liability-only insurance rates. Coverage costs an average of $69 per month for a liability-only policy.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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