Cheapest Auto Insurance in Corvallis, Oregon (2025)
Mile Auto has the cheapest liability-only rates in Corvallis, with a rate of $56 per month.
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The average cost of car insurance in Corvallis is $84 per month for liability insurance and $118 for full-coverage insurance. Drivers in Corvallis pay less than the national averages of $104 for liability and $184 for full coverage.
Corvallis has a relatively low population of 60,000 people, and the average driver in Corvallis only commutes 18 minutes, which likely contributes to its low rates.1
Here’s how to compare quotes from multiple insurers and get cheap car insurance in Corvallis.
3 of the cheapest car insurance companies in Corvallis
Mile Auto, Safeco, and GAINSCO have the lowest rates for car insurance in Corvallis. As you shop for the right coverage, consider your budget, vehicle type, and auto policy needs. Comparing quotes from multiple companies can help you get the lowest rate because the best insurer for you will depend on your driver profile and desired coverage levels.
Here’s more information about a few of the top auto insurance companies in Corvallis. The rates below reflect average insurance costs for all of Oregon.
Best insurer for cheap rates: Safeco
Best insurer for pay-per-mile insurance: Mile Auto
Best insurer for high-risk drivers: GAINSCO
How to get the cheapest car insurance in Corvallis
Your ZIP code affects how much you pay for car insurance. The good news is that rates in Corvallis are lower than the national average. Factors like your age, vehicle, and driving history also influence car insurance costs.
You can take additional steps to lower your rates:
Bundle policies. Many car insurance companies offer a discount for bundling policies. If you need more than one type of insurance, consider working with the same insurer for all your insurance products. For example, you can often combine auto insurance with life insurance, home insurance, business insurance, or renters insurance.
Ask for discounts. Most insurance agents automatically apply eligible discounts to your policy. But it’s always a good idea to double-check and ask about additional discount options, especially if you’re getting a quote online. Call the customer service phone number to confirm.
Compare quotes. Comparing quotes from at least three insurance companies is one of the most effective ways to lower car insurance costs. Get quotes from a few insurance companies before you make a decision. It’s a simple way to ensure you’re getting the best rate.
Cheapest liability-only car insurance in Corvallis: Mile Auto
The state of Oregon mandates liability coverage, making it a legal requirement for drivers. The policy helps you pay for the other driver’s vehicle repairs and medical expenses if you cause an accident. It also covers the cost of your medical expenses, regardless of fault. But it doesn’t cover the cost of your repairs — you need to add extra coverage if you want protection for your car.
Liability-only car insurance in Corvallis costs an average of $84 per month. Here are the car insurance companies that offer the best deals for liability insurance in the city.
Cheapest full-coverage car insurance in Corvallis: Mile Auto
Full-coverage car insurance includes liability, comprehensive, and collision policies. The policies work together to ensure adequate protection. Liability insurance pays for the other driver’s repairs and medical bills when you cause an accident. A collision policy helps pay for your vehicle repairs if you hit a car or other object, and comprehensive insurance provides protection against theft, natural disasters, and other events.
Even though Oregon state law doesn’t require you to purchase full-coverage car insurance, many insurance experts recommend that drivers have the coverage. And if you have a loan or lease on your car, your lender will probably require you to carry full coverage. It’s an effective way to protect your finances.
Drivers in Corvallis pay an average of $118 per month for full-coverage car insurance. The following insurance companies offer the cheapest full-coverage rates in Corvallis.
Car insurance requirements in Oregon
Oregon requires drivers to meet the state’s minimum insurance requirements. This coverage includes bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage, which is more extensive than what most states require.2
Here are the minimum car insurance requirements for drivers in Corvallis:
Though Oregon has minimum insurance requirements, you have the option to add extra policies or increase your coverage levels for more protection. You might want to consider the following optional policies:
Cheapest car insurance for drivers with an incident
Insurers consider past marks on your driving record when determining insurance rates. At-fault accidents, speeding tickets, DUIs, and other moving violations can increase car insurance costs. Past accidents indicate that you may be more likely to file a claim in the future, which costs insurance companies money.
To offset those potential costs, insurers charge more for auto insurance coverage. The average cost of car insurance for Corvallis drivers with a past incident is $104 per month for liability insurance. Here’s how much you might pay for car insurance with an auto accident or other incident on your record in Corvallis.
Average cost of car insurance by age
Your age is another factor that affects car insurance rates. Due to inexperience, a family with teenage drivers typically pays the most for car insurance coverage.3 But as drivers gain experience in adulthood, they can expect rates to decrease steadily from their mid-30s to retirement age.
Rates increase again for drivers 70 and older. Due to age-related risk factors, senior drivers pay more for a car insurance policy.4
Compare the average rates for car insurance in Corvallis for different age brackets.
Corvallis car insurance quotes by credit tier
Insurance companies in Oregon can consider credit-based insurance scores when determining rates.5 Insurers use the scores to gauge risk. Riskier drivers are more expensive to insure, and insurance companies view poor credit as an indicator of additional risk.
Because of that, drivers with poor credit typically pay more for coverage, while drivers with better credit usually pay less.
Here are the average monthly rates for full-coverage car insurance in Corvallis by credit tier.