Douglas County Auto Insurance Rates, Quotes, Agents & Reviews in OR

Douglas County, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Douglas County, OR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Douglas County, OR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Douglas County, OR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Douglas County, OR with that of other cities in and around Douglas County.

Douglas County Fair Oaks Roseburg North Roseburg Green Oakland
Average Insurance Rates $1,408 $1,442 $1,398 $1,005 $1,383 $1,383

Douglas County, OR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Douglas County, OR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Douglas County $1,168 $987
Glide $1,377 $1,163
Roseburg North $1,536 $1,297
Fair Oaks $1,623 $1,371
Sutherlin $1,469 $1,241
Roseburg $1,545 $1,305
Oakland $1,626 $1,374
Green $1,084 $915

Douglas County, OR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Douglas County, OR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,569
20 Years $1,809
30 Years $1,393
40 Years $1,341
50 Years $1,242
60 Years $1,259
70 Years $1,465

Douglas County, OR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Douglas County, OR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,422 $394
3 Vehicles $3,633 $591
4 Vehicles $4,844 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788


Douglas County, OR Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Douglas County, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Douglas County $1,408 $2,106
Glide $1,445 $2,162
Roseburg North $1,398 $2,091
Fair Oaks $1,442 $2,157
Sutherlin $1,426 $2,133
Roseburg $1,005 $1,503
Oakland $1,383 $2,069
Green $1,383 $2,069

Douglas County, OR Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,208
Excellent (740-799) $1,379
Good (670-739) $1,467
Average (580-669) $1,914
Poor (300-579) $2,297

Douglas County, OR Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Gordon Wood Insurance & Financial Services Travelers 709 SE KANE ST, ROSEBURG, 97470 541-672-4466
Terra Hager State Farm 114 Melton Rd, Creswell, 97426-9453 541-895-2005
Blair Sturgill State Farm 480 NE Stephens, Roseburg, 97470-0455 541-672-7575
Paynewest Insurance - Cottage Grove Liberty Mutual Independent 1645 E Main St, COTTAGE GROVE, 97424 (541) 942-0555
H N Traxler Ins None 95 West Oregon Ave, Creswell, 97426 None
Bill Tanner Insurance None 84899 Tillicum Ave, Suite 6 , Pleasant Hill, 97455 None

Douglas County, OR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,470
Driver's Failure In Showing Documents +$137 $1,545
Driving With An Expired Registration +$145 $1,553
Driving At A Considerably Slow Pace +$306 $1,714
Using A Cellphone While Driving +$322 $1,730
Running A Red Light +$328 $1,736
Speeding +$345 $1,753
Driving A Vehicle Without The Required Permission +$438 $1,846
Driving With An Expired/Suspended License +$949 $2,357

Douglas County, OR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,352
Active Disabling Device $1,352
Tracking Device $1,324
Passive Disabling Device $1,309