Coos Bay drivers pay an average of $1,530/year — $241 less than the national average. With 174 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $174/year.
(888) 217-6781Estimated full coverage auto insurance rates for Coos Bay, OR from top carriers. Rates are adjusted for Coos Bay's 174 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $580 | $97/mo |
| Progressive | $651 | $109/mo |
| State Farm | $713 | $119/mo |
| Farmers | $821 | $137/mo |
| Allstate | $872 | $145/mo |
Estimates based on 2026 rate filings for ZIP 97420. GEICO is cheapest at ~$97/mo. Actual rates vary by driver profile and exact Coos Bay location.
These Coos Bay-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Coos Bay, OR. Takes under 2 minutes.
(888) 217-6781Coos Bay is a smaller city in Oregon with a population of 15,985. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as rain, flooding, ice, wildfire smoke, wind storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Coos Bay.
For official Oregon insurance regulations, visit the Oregon Division of Financial Regulation. For driver licensing, see the Oregon DMV.
Your specific ZIP code within Coos Bay can swing your premium by hundreds of dollars. Here's how rates compare across Coos Bay neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 97435 | Coos Bay South Side | $1,416/yr | $118/mo |
| 97423 | Coos Bay North Side | $1,485/yr | $124/mo |
| 97424 | Coos Bay West Side | $1,513/yr | $126/mo |
| 97428 | Coos Bay East Side | $1,588/yr | $132/mo |
| 97420 | Coos Bay Downtown/Central | $1,665/yr | $139/mo |
The cheapest ZIP is 97435 (Coos Bay South Side) at $1,416/yr. The most expensive is 97420 (Coos Bay Downtown/Central) at $1,665/yr — a $249/year difference for the same driver.
Your Coos Bay ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Coos Bay. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,213/yr | $268/mo | +110% vs avg |
| Young Adult (20-25) | $2,142/yr | $179/mo | +40% vs avg |
| Adult (26-35) | $1,530/yr | $128/mo | 0% vs avg |
| Mid-Career (36-50) | $1,346/yr | $112/mo | -12% vs avg |
| Senior (51-65) | $1,270/yr | $106/mo | -17% vs avg |
| 65+ | $1,362/yr | $114/mo | -11% vs avg |
Teens in Coos Bay pay an average of $3,213/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,270/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Oregon cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Coos Bay drivers can save up to $174/year. ZIP 97435 (Coos Bay South Side) has the lowest rates starting at $1,416/yr.
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