Klamath Falls drivers pay an average of $1,555/year — $216 less than the national average. With 256 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $199/year.
(888) 217-6781Estimated full coverage auto insurance rates for Klamath Falls, OR from top carriers. Rates are adjusted for Klamath Falls's 256 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $589 | $98/mo |
| Progressive | $662 | $110/mo |
| State Farm | $725 | $121/mo |
| Farmers | $834 | $139/mo |
| Allstate | $886 | $148/mo |
Estimates based on 2026 rate filings for ZIP 97634. GEICO is cheapest at ~$98/mo. Actual rates vary by driver profile and exact Klamath Falls location.
These Klamath Falls-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Klamath Falls, OR. Takes under 2 minutes.
(888) 217-6781Klamath Falls is a smaller city in Oregon with a population of 21,813. 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 Klamath Falls.
For official Oregon insurance regulations, visit the Oregon Division of Financial Regulation. For driver licensing, see the Oregon DMV.
Your specific ZIP code within Klamath Falls can swing your premium by hundreds of dollars. Here's how rates compare across Klamath Falls neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 97637 | Klamath Falls South Side | $1,491/yr | $124/mo |
| 97637 | Klamath Falls North Side | $1,499/yr | $125/mo |
| 97654 | Klamath Falls West Side | $1,555/yr | $130/mo |
| 97638 | Klamath Falls East Side | $1,570/yr | $131/mo |
| 97634 | Klamath Falls Downtown/Central | $1,659/yr | $138/mo |
The cheapest ZIP is 97637 (Klamath Falls South Side) at $1,491/yr. The most expensive is 97634 (Klamath Falls Downtown/Central) at $1,659/yr — a $168/year difference for the same driver.
Your Klamath Falls ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Klamath Falls. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,266/yr | $272/mo | +110% vs avg |
| Young Adult (20-25) | $2,177/yr | $181/mo | +40% vs avg |
| Adult (26-35) | $1,555/yr | $130/mo | 0% vs avg |
| Mid-Career (36-50) | $1,368/yr | $114/mo | -12% vs avg |
| Senior (51-65) | $1,291/yr | $108/mo | -17% vs avg |
| 65+ | $1,384/yr | $115/mo | -11% vs avg |
Teens in Klamath Falls pay an average of $3,266/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,291/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.
Klamath Falls drivers can save up to $199/year. ZIP 97637 (Klamath Falls South Side) has the lowest rates starting at $1,491/yr.
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