Cheapest Car Insurance (and Averages) in Medford, Oregon

• For the cheapest auto insurance, SUV models like the Buick Envision, Chevrolet Trailblazer, and Subaru Crosstrek have some of the cheapest rates.
• The average cost of car insurance in Medford is $1,596 per year, or approximately $133 per month for full coverage.
• Monthly auto insurance rates for a few popular models include the Toyota Camry at $143, Toyota Tacoma at $135, and Hyundai Elantra at $145.
• Car insurance quotes have significant variability in Medford, from as little as $30 per month for the minimum required liability coverage to well over $709 per month for teens and other high-risk drivers.

Cheapest cars to insure in Medford, Oregon

When comparing rates for all vehicles, the models with the cheapest insurance prices in Medford tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, and Toyota Corolla Cross. Average insurance rates for the models ranking in the top 10 cost $1,306 or less per year, or $109 per month, to have full coverage.

A few other vehicles that are ranked high in the cost comparison table are the Volkswagen Tiguan, Buick Envista, Ford Bronco Sport, and Volkswagen Taos. Average rates are slightly higher for those models than the cheapest small SUVs at the top of the list, but they still have average rates of $114 or less per month.

The table below breaks down the vehicles with the cheapest overall insurance rates in Medford, sorted by annual and monthly insurance cost.

A few other popular vehicles that rank in the top 30 table above include the Volkswagen Atlas, Toyota GR Corolla, Subaru Forester, Subaru Ascent, and Nissan Leaf. Car insurance rates for those models fall between $1,368 and $1,422 per year.

To put the rates of the cheapest vehicles in perspective, a few models that cost much more to insure include the Jeep Cherokee at an average of $1,722 per year, the Chevrolet Camaro that averages $2,076, and the Tesla Model X which costs $2,006.

How much does car insurance cost in Medford?

The average car insurance expense in Medford is $1,596 per year, which is 16.5% less than the overall U.S. national average rate of $1,883 per year. The average cost per month for car insurance in Medford is $133 for a full coverage policy.

In the state of Oregon, the average car insurance cost is $1,794 per year, so the average rate in Medford is $198 less per year. The cost to insure a car in Medford compared to other Oregon locations is around $12 per year cheaper than in Eugene, $456 per year less than in Portland, and $614 per year cheaper than in Gresham.

The next chart shows average Medford car insurance cost broken out not only by driver age, but also by policy deductibles. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

In the chart above, the cost of auto insurance in Medford ranges from $1,118 per year for a 60-year-old driver with a policy with high deductibles to $3,738 per year for a 20-year-old driver with low physical damage deductibles. When converted to a monthly rate, the average cost in the previous chart ranges from $93 to $312 per month.

Auto insurance rates can cost very different amounts for different drivers and can also be very different depending on the company. This amount of variability emphasizes the need for accurate free car insurance quotes when trying to find the cheapest car insurance policy.

Driver age is one of the largest influencers on the price of car insurance. The list below illustrates this by breaking down average car insurance rates based on the age of the driver.

Average car insurance cost for Medford, OR, drivers age 16 to 60

• 16-year-old driver – $5,686 per year or $474 per month
• 17-year-old driver – $5,509 per year or $459 per month
• 18-year-old driver – $4,937 per year or $411 per month
• 19-year-old driver – $4,496 per year or $375 per month
• 20-year-old driver – $3,214 per year or $268 per month
• 30-year-old driver – $1,702 per year or $142 per month
• 40-year-old driver – $1,596 per year or $133 per month
• 50-year-old driver – $1,416 per year or $118 per month
• 60-year-old driver – $1,324 per year or $110 per month

The rates in the list above that detailed the cost to insure teen drivers were based on the rated driver being male. The next chart goes into more detail for teenage car insurance rates and shows car insurance cost for teens by gender. Teenage females are expensive to insure, but do tend to have cheaper car insurance rates than males of the same age.

Auto insurance for a female 16-year-old driver in Medford costs an average of $378 less than male drivers each year, while at age 19, the cost difference is much less but is still $696 per year.

Average car insurance rates for popular vehicles

The auto insurance costs referenced previously take all 2024 vehicle models and average them, which is suitable for making generalized comparisons like the average cost difference by driver age or location. Average car insurance rates are excellent for answering questions like “is auto insurance in Medford cheaper than Beaverton?” or “is Oregon auto insurance cheaper than Colorado?”.

For deeper car insurance comparisons, however, the rates will be more accurate if we do a rate analysis for the specific model of vehicle being insured. Each vehicle model has a unique exposure profile for calculating the cost of car insurance and this data allows us to perform insurance cost comparisons.

This next list breaks down average annual and monthly insurance rates for some of the more popular cars, trucks, and SUVs in Medford and surrounding areas.

Car insurance rates for popular Medford vehicles

• Toyota Camry – $1,843 per year ($154 per month)
• Toyota Tacoma – $1,732 per year ($144 per month)
• Hyundai Elantra – $1,860 per year ($155 per month)
• Toyota Highlander – $1,559 per year ($130 per month)
• Toyota RAV4 – $1,574 per year ($131 per month)
• Toyota Corolla – $1,665 per year ($139 per month)
• GMC Sierra – $1,893 per year ($158 per month)
• Ford F150 – $1,916 per year ($160 per month)
• Subaru Outback – $1,460 per year ($122 per month)
• Jeep Wrangler – $1,953 per year ($163 per month)

If the list of popular models is compared to the prior table that ranked the top 30 vehicles with the cheapest average insurance quotes, the vast majority rank out of the top 30.

Factors that can bump up rates include the MSRP of the vehicle, like a BMW M5 which averages $109,900 or a Cadillac Escalade with an average price of $82,790, or possibly higher liability or medical insurance cost like a Jeep Wrangler or a Toyota Corolla.

Let’s take a look at the comparisons and key concepts covered so far in the article.

• Average car insurance cost per month ranges from $110 to $474 – That’s the average auto insurance price range for drivers from age 16 to 60 in Medford.
• Insurance for a teenager can be expensive – Rates range from $3,800 to $5,686 per year for teenage driver insurance in Medford, Oregon.
• Medford car insurance rates are cheaper than the Oregon state average – $1,596 (Medford average) versus $1,794 (Oregon average)
• Low deductible auto insurance costs more – A 30-year-old driver pays an average of $432 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Auto insurance gets cheaper the older you are – Rates for a 50-year-old driver in Medford are $1,798 per year cheaper than for a 20-year-old driver.
• Teen girls pay lower rates than teenage males – Teenage female drivers age 16 to 19 pay $696 to $378 less per year than male drivers of the same age.

In an effort to clarify the amount auto insurance cost can vary from one driver to the next (and also emphasize the importance of accurate rate quotes), the charts below visualize a wide range of rates for three popular models in Medford: the Nissan Sentra, Honda CR-V, and Honda Pilot.

Each chart displays rates for a variety of different driver profiles to illustrate how rates have significant variation based on driver risk profile changes.

Nissan Sentra insurance rates

Average Nissan Sentra insurance cost in Medford ranges from $1,430 up to $1,504 per year. The least-expensive model to insure is the $20,630 Nissan Sentra S model, while the most expensive is the $23,720 Nissan Sentra SR.

From a cost per month standpoint, car insurance on a 2024 Nissan Sentra for a good driver can cost from $119 to $125 per month, depending on exact policy limits and your Zip Code in Medford.

The chart displayed below shows how insurance rates on a Nissan Sentra can vary based on a variety of different driver ages, policy deductibles, and potential risk scenarios.

The Nissan Sentra belongs to the compact car segment, and additional similar models from the same segment include the Chevrolet Cruze, Toyota Corolla, and Kia Forte.

Honda CR-V insurance rates

Honda CR-V insurance in Medford costs an average of $1,360 per year, with a range of $1,288 per year on the Honda CR-V LX model up to $1,436 per year for the Honda CR-V Sport Touring Hybrid AWD trim.

The next rate chart demonstrates how the cost of insurance on a Honda CR-V can be very different based on driver age and policy risk profiles. In this example, rates range from $1,130 to $3,128 per year, which is a cost difference of $1,998 to insure the same make and model of vehicle.

The Honda CR-V belongs to the compact SUV segment, and other models from that segment that are popular in Medford include the Mazda CX-5, Subaru Forester, Toyota RAV4, and Chevrolet Equinox.

Honda Pilot insurance rates

Average Honda Pilot insurance cost in Medford costs from $1,452 to $1,648 per year. The cheapest insurance rates are on the $37,090 Honda Pilot LX model, while the most expensive model to insure is the $52,480 Honda Pilot Elite AWD model.

When Medford insurance rates for a Honda Pilot are compared with the cost averaged for the entire U.S. on the same vehicle, the cost is anywhere from $274 to $314 cheaper per year in Medford, depending on the specific model being insured.

From a monthly standpoint, car insurance quotes on a Honda Pilot for a middle-age safe driver can cost from $121 to $137 per month, but your exact cost can vary considerably based on your exact location in Medford.

The rate chart below demonstrates how the price of car insurance for a Honda Pilot can range significantly based on different driver ages, physical damage deductibles, and driver risk profiles.

The Honda Pilot is classified as a midsize SUV, and additional similar models from the same segment include the Kia Telluride, Jeep Grand Cherokee, and Kia Sorento.