Cheapest Auto Insurance in Grants Pass, Oregon (2025)
Mile Auto is the cheapest car insurance company in Grants Pass, with monthly liability-only rates of $58.
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In Grants Pass, Oregon, the average monthly cost of car insurance is $104. This is under the state average of $118. The city’s relatively small size (home to around 39,000 people) and bicycle-friendly environment play a role in keeping the average rate for car insurance low in the area.
Quick Facts
Grants Pass drivers pay $130 per month for full coverage and $79 per month for liability-only coverage, on average.
A full-coverage policy costs drivers in Grants Pass an average of $1,566 per year.
GEICO offers the best insurance for high-risk drivers in Grants Pass.
Cheapest car insurance companies in Grants Pass
The best auto insurance company for Grants Pass residents depends on your driving record, as well as the coverage you need. Check out some of the insurers offering coverage in Grants Pass that provide the most affordable coverage for local residents. The rates shown in the table below are statewide rates for Oregon.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for safe drivers: Travelers
Best insurer for full-coverage insurance: Mile Auto
Best insurer for high-risk drivers: GEICO
How to get the cheapest car insurance in Grants Pass
The cheapest auto insurance company for one Grants Pass driver may not always offer the lowest price for another. Auto insurance premiums vary based on factors including driving history, age, business, marital status, and vehicle type.
Here are some steps every driver should take to try to get the most affordable car insurance rates:1
Compare insurance quotes. Get quotes from several different insurers to see which offers the best premiums for the desired coverage. An insurance agent can help — look for an independent insurance agency with a solid reputation for customer service. Or you can get quotes online if you have some basic knowledge about your vehicle and your driving record.
Choose a higher deductible. If you agree to pay more out of pocket if a covered incident happens, your auto insurance premiums will be lower.
Take advantage of discounts. Most insurance companies reward you for things like safe driving or working for a certain employer.
Bundle coverage. Buying multiple types of policies from the same company — such as home insurance or renters insurance, life insurance, and other insurance products — can help you get discounted coverage and save money.
Improve your credit. In most states, insurers are allowed to consider credit history as a factor when setting rates. Paying bills on time and repaying debt could help you lower your costs.
Cheapest liability-only car insurance in Grants Pass: Mile Auto
Liability-only car insurance only pays a claim if you damage another person’s property or injure them in an accident. It could pay for any resulting legal costs as well as for their damages. But it wouldn’t pay for any losses to your own vehicle or for harm you experienced due to an uninsured or underinsured driver.2
The cheapest liability-only insurer in Grants Pass is Mile Auto, with an average monthly rate of $58 for minimum coverage.
You can also check out other affordable insurers below if you’re interested in liability-only insurance coverage.
Cheapest full-coverage car insurance in Grants Pass: Mile Auto
Full-coverage auto insurance provides broader protection. It includes liability coverage but also comprehensive coverage that pays for theft, vandalism, or other non-crash losses. And if you get into a crash that you cause, your full-coverage policy will include collision coverage to repair or replace your damaged vehicle.
Mile Auto sells the cheapest full-coverage auto insurance in Grants Pass, with an average monthly premium of $69. The table below also shows other affordable insurance companies for drivers interested in full coverage.
Car insurance requirements in Oregon
Like most states, Oregon imposes certain mandates regarding car insurance. If you want to drive legally on the state’s roads, you must buy at least as much coverage as the state requires within the community.
Here are the minimum car insurance requirements in Oregon:3
For many drivers, it makes sense to buy additional coverage beyond what’s required. Some other kinds of protection you may want to add to your policy include:
Cheapest car insurance for drivers with an incident
Certain incidents on the road make insurers fear your chances of a crash are greater. This can include things like speeding tickets, driving under the influence (DUI), or at-fault accidents.4 These incidents can cause your premiums to increase, as insurers feel there’s a great chance they’ll need to pay out a claim for you due to a higher accident risk.
Premium increases can be substantial after an incident, with most Oregon insurers charging at least $30 more per month for coverage for drivers with an at-fault accident. But some insurers impose bigger premium penalties than others.
The table below shows some of the most affordable insurance in Grants Pass following an incident.
Average cost of car insurance by age
Age affects collision risk, with both younger and older drivers facing the biggest danger of a crash.
Because there’s a correlation between age and risk, insurers charge different premiums for people in different age groups. Premiums typically start high for teens due to their lack of driving experience and immaturity. Costs then decline at around age 35 before beginning to climb again at 70. 5 6
The table below shows average monthly car insurance costs by age so you can see what you may pay depending on your life stage.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grants Pass car insurance quotes by credit tier
Insurers aren’t allowed to cancel auto insurance policies based on credit risk factors in Oregon, but they can take your credit history into account when they set your premium initially.7
The chart below shows how much drivers can expect to pay with excellent or good credit scores versus poor credit scores.
Grants Pass car insurance FAQs
Still have more questions about getting covered? Here are the answers to some common questions about auto insurance in Grants Pass.
How much is car insurance in Grants Pass?
Car insurance in Grants Pass costs $130 per month for full coverage and $79 per month for liability-only coverage, according to Insurify data.
Which company has the cheapest car insurance in Grants Pass?
Mile Auto has the cheapest monthly auto insurance premiums in Grants Pass, starting at $58 per month for liability-only coverage. Other cheap insurers in the city include State Farm and National General, with liability-only rates as low as $82 and $83 per month, respectively.
However, this doesn’t mean these insurers will be the cheapest for every driver. You should get several quotes to find the best price for your situation, as insurers assess risks differently when setting premiums.
What are the best car insurance companies in Grants Pass?
The best car insurance companies in Grants Pass include State Farm and USAA, each of which have IQ Scores of more than 4.0 out of 5.0 and received top customer satisfaction and financial strength ratings from both J.D. Power and AM Best.
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