Grants Pass drivers pay an average of $1,688/year — $83 less than the national average. With 481 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $332/year.
(888) 217-6781Estimated full coverage auto insurance rates for Grants Pass, OR from top carriers. Rates are adjusted for Grants Pass's 481 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $639 | $107/mo |
| Progressive | $719 | $120/mo |
| State Farm | $786 | $131/mo |
| Farmers | $905 | $151/mo |
| Allstate | $962 | $160/mo |
Estimates based on 2026 rate filings for ZIP 97526. GEICO is cheapest at ~$107/mo. Actual rates vary by driver profile and exact Grants Pass location.
These Grants Pass-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Grants Pass, OR. Takes under 2 minutes.
(888) 217-6781Grants Pass is a smaller city in Oregon with a population of 39,189. 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 Grants Pass.
For official Oregon insurance regulations, visit the Oregon Division of Financial Regulation. For driver licensing, see the Oregon DMV.
Your specific ZIP code within Grants Pass can swing your premium by hundreds of dollars. Here's how rates compare across Grants Pass neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 97538 | Grants Pass South Side | $1,599/yr | $133/mo |
| 97528 | Grants Pass North Side | $1,608/yr | $134/mo |
| 97546 | Grants Pass West Side | $1,641/yr | $137/mo |
| 97532 | Grants Pass East Side | $1,724/yr | $144/mo |
| 97526 | Grants Pass Downtown/Central | $1,796/yr | $150/mo |
The cheapest ZIP is 97538 (Grants Pass South Side) at $1,599/yr. The most expensive is 97526 (Grants Pass Downtown/Central) at $1,796/yr — a $197/year difference for the same driver.
Your Grants Pass ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Grants Pass. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,545/yr | $295/mo | +110% vs avg |
| Young Adult (20-25) | $2,363/yr | $197/mo | +40% vs avg |
| Adult (26-35) | $1,688/yr | $141/mo | 0% vs avg |
| Mid-Career (36-50) | $1,485/yr | $124/mo | -12% vs avg |
| Senior (51-65) | $1,401/yr | $117/mo | -17% vs avg |
| 65+ | $1,502/yr | $125/mo | -11% vs avg |
Teens in Grants Pass pay an average of $3,545/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,401/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.
Grants Pass drivers can save up to $332/year. ZIP 97538 (Grants Pass South Side) has the lowest rates starting at $1,599/yr.
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