Phoenix Auto Insurance Rates, Quotes, Agents & Reviews in OR

Phoenix, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Phoenix, 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Phoenix, 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.

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

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

Phoenix Central Point Jacksonville Ashland White City Southwest Jackson
Average Insurance Rates $1,404 $1,424 $1,483 $978 $1,397 $1,485

Phoenix, 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 Phoenix, 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)
Phoenix $1,113 $940
Talent $1,750 $1,478
Ashland $1,902 $1,607
Medford $1,058 $893
Jacksonville $2,113 $1,784
Central Point $1,588 $1,342
White City $1,103 $932
Southwest Jackson $2,806 $2,370

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

Teenagers in Phoenix, 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 $4,556
20 Years $1,804
30 Years $1,389
40 Years $1,337
50 Years $1,238
60 Years $1,255
70 Years $1,461

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

Car owners in Phoenix, 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 $2,387 $421
3 Vehicles $3,580 $632
4 Vehicles $4,774 $842

Savings on 2 Vehicles bundle:$421

Savings on 3 Vehicles bundle:$632

Savings on 4 Vehicles bundle:$842

Phoenix, 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 Phoenix, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Phoenix $1,404 $2,100
Talent $1,421 $2,126
Ashland $978 $1,463
Medford $929 $1,390
Jacksonville $1,483 $2,218
Central Point $1,424 $2,130
White City $1,397 $2,090
Southwest Jackson $1,485 $2,221

Phoenix, 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) $1,205
Excellent (740-799) $1,375
Good (670-739) $1,463
Average (580-669) $1,909
Poor (300-579) $2,290

Phoenix, 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
Matthew Shilts Farmers 1301 Poplar Dr Ste 200, Medford, 97504 (541) 245-4056
Reinholdt & O Harra Travelers 383 EAST MAIN ST, ASHLAND, 97520 541-482-1921
Protectors Insurance Llc Liberty Mutual Independent 514 Crater Lake Ave, MEDFORD, 97504 (541) 773-5358
All Insured Llc Allstate 3001 Biddle Rd, Medford, 97504 (541) 245-2188
Rob Buckmister Allstate 1908 Ashland St Ste C, Ashland, 97520 (541) 488-2516
Josh Elbert State Farm 820 S Riverside Ave, Medford, 97501-7840 541-772-3291
Hart Insurance Travelers 1123 ROYAL AVE, MEDFORD, 97504 541-779-4232
Focus1 Ins Group Inc Travelers 3110 STATE ST, MEDFORD, 97504 541-772-3120
Reinholdt & O Harra Insurance Inc Travelers 518 WASHINGTON ST, ASHLAND, 97520 541-482-1921
Harry Gerhard Farmers 650 E Pine St Ste 102a, Central Point, 97502 (541) 664-9215
Roger Escobar Allstate 405 E McAndrews Rd, Medford, 97501 (541) 773-4343
Jacksonville Insurance Inc Travelers 205 N 5TH ST, JACKSONVILLE, 97530 541-899-7076

Phoenix, 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 $1,466
Driver's Failure In Showing Documents +$136 $1,540
Driving With An Expired Registration +$145 $1,549
Driving At A Considerably Slow Pace +$305 $1,709
Using A Cellphone While Driving +$322 $1,726
Running A Red Light +$327 $1,731
Speeding +$344 $1,748
Driving A Vehicle Without The Required Permission +$437 $1,841
Driving With An Expired/Suspended License +$946 $2,350

Phoenix, 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 $1,348
Active Disabling Device $1,348
Tracking Device $1,320
Passive Disabling Device $1,306