Car Insurance in Medford, OR
How much does car insurance
cost in Medford, Oregon?
The average estimated cost of Lemonade car insurance in Medford ranges from roughly $770 to $810 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Oregon:
| City | Average monthly base premium* |
|---|---|
| Portland | $90 to $99 |
| Beaverton | $90 to $99 |
| Salem | $90 to $99 |
| Corvallis | $70 to $79 |
How can I get cheaper car insurance
in Medford, Oregon?
Lemonade offers Oregon drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Medford, Oregon?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Medford, Oregon?
To meet Oregon car insurance coverage requirements, Medford drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Medford drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
| Personal injury protection (PIP) | $15,000 |
What additional car insurance coverages
are available in Medford, Oregon?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MorePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreMedford Oregon car insurance FAQs
What car insurance coverage is recommended in Medford based on the weather?
Medford experiences mild winters and dry summers, but there’s a risk of wildfires during the dry months. Comprehensive coverage is essential to protect against fire damage and other weather-related risks.
How do wildfire risks impact car insurance in Medford?
Wildfire risks in Medford make it important to have a policy that includes fire damage under comprehensive coverage. Check with your insurer to ensure your policy is tailored to these local risks.
What happens if I don’t have the minimum car insurance coverage required in Medford?
u200bu200bNot having the required car insurance in Medford can lead to fines ranging from $130 to $1,000. Additionally, your license could be suspended, and you might need to file an SR-22 to verify future coverage. To avoid these penalties, ensure your car insurance is up to date and meets state requirements.
Is Oregon an at-fault state?
Yes, Oregon is an at-fault state, which means that in Medford, if you’re responsible for an accident, you’re required to pay for the damages. This could be done through your car insurance or directly out of pocket.
How can I lower my car insurance premium in Medford?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Medford that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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Talking Telematics
Real-time driving behavior = the fairest insurance premiums imaginable
How Much Does Car Insurance Cost?
Car insurance costs vary based on factors like your age, driving history, location, and coverage needs. Here’s what to expect.