Medford Car Insurance

Medford City in Jackson County, Oregon is known for delicious pears, covered bridges and a mild climate. Insurance prices vary widely within the state of Oregon. Medford is considered one of the lowest priced cities in Oregon for car insurance.

The city of Portland Oregon costs an average of 25 percent more than the city of Medford for car insurance.

Search for Medford coverage to fit your budget by entering your zip code into our FREE tool above!

Medford Oregon is in an At-Fault/No-Fault Blend State

Car insurance consumers in Medford Oregon must comply with a mixture of at-fault and no-fault car insurance laws to determine whose car insurance coverage pays certain expenses after a car accident.

The at-fault driver is the driver who is found to be legally at fault for causing an accident and is liable for the cost of the damages and the costs of the injuries caused by the accident.

Insurance laws are strictly enforced in Medford. Drivers caught without car insurance may face a one-year suspension of driving privileges.

The no fault component lays in the requirement that every licensed driver is also required to include Personal Injury Protection (PIP) which will cover the driver’s injuries up to a specified limit during the first year after the car accident.

Unlike no-fault states, Oregon permits legal action against the at-fault driver while there are remaining PIP funds to cover injury costs sustained by the driver and passengers.

Minimum Car Insurance Requirements for Licensed Drivers in Medford, Oregon

• $25,000 to pay for death or injury to an individual, including the driver, passenger or pedestrian
• $50,000 for injury or death per accident
• $10,000 for property damage
• $15,000 for personal injury protection (PIP)
• $25,000 per person and $50,000 per accident for uninsured and underinsured motorist coverage for bodily injury

A driver who has been convicted of driving under the influence must carry increased liability coverage for bodily injury or death to an individual, including the driver, passenger, or pedestrian.

The minimum liability for this driver is $50,000 per person and $100,000 per accident.

Typical Car Insurance Scenario for Elderly Couple

Nora, a 70-year-old real estate broker, drives a 2010 Pontiac Sedan. In March of last year, Nora’s foot slipped off of the brake pedal while she was backing out of a parking place at a shopping mall. There was $2,500 of damage to another vehicle, but no injuries.

Nora is married to Bob who is retired. Bob is also 70 years of age and his personal use vehicle is a 2008 Ford Taurus. Bob has had no violations or accidents in the past 36 months.

Nora and Bob have a premium level insurance policy with Country Insurance for $191 per month. Their insurance policy is the best price available but Nora and Bob have been with Country Insurance for almost 40 years and have never price-shopped for car insurance.

They are unaware of how competitively priced their car insurance is, but they would not be surprised because they really like their insurance agent and would not want to switch even if the price was a little higher.

Premium Level Car Insurance in Medford

With Premium car insurance, Nora and Bob can expect the following coverage:

• $250,000 coverage per person and $500,000 per accident for bodily Injury.
• $100,000 per accident for property damage.
• $250,000 per person and $500,000 per accident for bodily injury of uninsured and underinsured motorist coverage.
• $100,000 for property damage caused by uninsured or underinsured motorist.
• $250 deductible payment
• $75 towing allowance
• $900 rental car allowance
• Full glass coverage

Nora and Bob would pay the following amounts for the same coverage at these different insurance providers in Medford:

1. Allstate – $220 per month
2. Safeco – $363 per month
3. Farmers – $448 per month

Typical Car Insurance Scenario for Young Married Medford Couple

Chad, a 30-year-old man, and his wife, Ivy, have been married four years. Chad drives a 2008 Mazda 3 and Ivy’s car is a 2011 Toyota Prius.

In March of 2012, Chad was cited for driving under the influence. Chad did not cause an accident. Ivy has never been involved in a car accident nor has she received any kind of moving violation.

Their insurance policy is the extended level which is the most popular level of car insurance for drivers in Medford Oregon. With Chad’s DUI, Ivy shopped and found the lowest price available to them is with State Farm at $170 per month.

Extended Coverage Details

Chad and Ivy's Extended coverage carries the following benefits:

• $100,000 per person and $300,000 per accident for bodily injury
• $50,000 per accident for property damage
• $100,000 per person and $300,000 per accident for uninsured motorist bodily injury
• $50,000 per accident for property damage in uninsured motorist incident
• $500 deductible
• $75 towing allowance
• $600 rental car coverage

Other Prices for Extended Coverage with One DUI

1. Safeco – $268 per month
2. Geico – $310 per month
3. Country – $347 per month

In March, it will be 3 years since Chad’s DUI. Three years of good driving history will make the following lower prices available to Chad and Ivy upon renewal.

1. Country – $91 per month
2. Geico – $129 per month
3. Safeco – $248 per month

Insurance Scenario for Low Income Driver in Medford

Chelsea, aged 22, is a single mother with a toddler child. Chelsea and her mother live together and share child care responsibility.

Chelsea’s mother does not drive, so a driver’s license and reliable vehicle for Chelsea is vital. Chelsea only recently learned to drive and was able to purchase an older car. She can barely afford the minimum legal insurance to allow her to get a driver’s license so she can legally operate her 2003 Ford Escort station wagon.

Legal Minimum Car Insurance Protection in Medford Oregon

With the minimum levels of car insurance, Chelsea has the following:

• $25,000 for bodily injury per person which can pay for the driver, other drivers, and passengers with a total of $50,000 per accident
• $20,000 for property damage per accident
• $15,000 for Personal Injury Protection (PIP) per person
• $25,000 per person and $50,000 per accident of uninsured and underinsured motorist protection
• $1,000 deductible

The lowest price insurance policy available to Chelsea is with State Farm Insurance for $71 per month. Chelsea found insurance prices for the policy she needed to be wide-ranging.

1. Geico – $75
2. Country – $124
3. Safeco - $189

After Chelsea reaches the age of 25 and has three years of driving experience, she will have better choices.

1. State Farm – $45
2. Geico – $56
3. Safeco – $161

Medford Oregon is known for lower car insurance prices compared to other cities in Oregon and in the United States. The best deals for different types of drivers do not follow any particular rules.

In order to pay the lowest car insurance prices for complete coverage, all drivers should compare prices as milestones such as age, marital status, and driving mishaps occur at the approach of each renewal period.

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