Car Insurance in Medford, Oregon
Estimated full coverage in Medford runs about $1,470 a year ($122/month) — ▲ +3% versus the Oregon average, ranking 7th most expensive of the 8 Oregon cities we cover.
Why car insurance in Medford costs more than the Oregon average
Insurers price by territory, and Medford's numbers explain most of the gap. With 86,301 residents on 28.6 square miles, the city's density (3,019 people per square mile) is 5.4 times the density where the typical Oregon resident lives (563). The average commute is 16.6 minutes (Oregon: 23.0), and 73% of workers drive alone. Together these put our location factor at 1.03× the state baseline for liability and collision, and 1.01× for comprehensive once FEMA weather risk for Jackson County is included.
| Factor | Medford | Oregon ref. | Why it matters |
|---|---|---|---|
| Population density | 3,019 / sq mi | 563 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.6 min | 23.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 72.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 10.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.8% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 42.7 | 52.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Medford
Rates can change from one ZIP code to the next. Across 2 Medford ZIP codes, our full-coverage estimate ranges from $1,385 in 97504 to $1,405 in 97501. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 97504 | 51,089 | 1,180 | 15.3 min | 6.7% | $1,385 | −6% |
| 97501 | 44,670 | 985 | 17.9 min | 6.2% | $1,405 | −4% |
Minimum car insurance in Medford
Medford drivers follow Oregon's rules: at least 25/50/20 liability coverage, personal injury protection, and uninsured motorist coverage. Oregon is at-fault (tort). We estimate state-minimum coverage in Medford at $645 a year, and $940 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $15,000 Personal injury protection of at least $15,000 per person is required for accident-related medical costs, lost wages and other expenses. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required; it equals liability limits unless lower limits are chosen. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Oregon's required uninsured motorist coverage includes underinsurance coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Your insurance policy number must be provided when registering a vehicle.
Risk factors that shape Medford premiums
Accidents
Oregon recorded 538 traffic deaths, or 1.44 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oregon's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Jackson County as relatively low for hail, relatively moderate for inland flooding and relatively low for strong wind.
Traffic & commuting
2.6% of Medford commuters spend an hour or more getting to work, and there are 1.86 vehicles per household. 10.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 43.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 6.5 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 93.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 27.9 | Comprehensive; dwelling | |
| Winter weather | 96.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Medford by driver profile
A clean-record driver in their 50s pays the least in our Medford model (about $1,350 for full coverage); an 18-year-old on their own policy pays about $4,040, and a DUI pushes a 30-something to $2,715.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,780 | $2,580 | $4,040 | $337 |
| Young adult (22) | $1,035 | $1,500 | $2,350 | $196 |
| Adult in their 30s | $645 | $940 | $1,470 | $123 |
| Adult in their 50s | $595 | $865 | $1,350 | $113 |
| Senior (72) | $725 | $1,050 | $1,645 | $137 |
| 30s, one at-fault accident | $940 | $1,360 | $2,130 | $178 |
| 30s, DUI on record | $1,195 | $1,735 | $2,715 | $226 |
Minimum vs. standard vs. full coverage in Medford
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $645 | $54 | $530–$765 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $940 | $78 | $770–$1,105 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,470 | $122 | $1,205–$1,735 |
Estimate your premium in Medford
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Cheap car insurance in Medford: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Medford's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $75 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 10.5% of Medford workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $290 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $530 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $320 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Medford
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 26 offices listed below.
- Check complaint records with the Oregon Division of Financial Regulation (complaint information) before you buy.
- Mention your ZIP code accurately — within Medford, our estimates differ by up to $20 a year between neighborhoods.
Car insurance agents near Medford, OR
We found 26 insurance offices within about 4 miles of central Medford, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Amanda K Bray - Farmers Insurance
1380 Oleander St, Medford, OR 97504 -
World of Insurance
1091 Medford Center, Medford, OR 97504 -
Oscar Rodriguez Insurance Agency - State Farm
829 East Jackson Street, Medford, OR 97504 -
Focus1
OR -
Brian Moreau - Allstate
716 E Jackson St, Medford, OR 97504 -
Kelly M Ericksen - Farmers Insurance
722 Cardley Ave, Medford, OR 97504 -
Manny Saenz - State Farm
535 Stevens Street, #D, Medford, OR 97504 -
Pacific Source
1301 Poplar Drive, #100, Medford, OR 97504 -
Daryn Farmer Ins Agency Inc - State Farm
1380 Biddle Road, #B, Medford, OR 97504 -
Alsafe Insurance
1560 Biddle Road, #D, Medford, OR 97504 -
State Farm
OR -
Gregory Scott - Farmers Insurance Agency
724 South Central Avenue, #114, Medford, OR 97501 -
AAA Insurance
OR -
Evan Tucker - Allstate
405 E McAndrews Rd, Medford, OR 97501 -
James Nolan - Allstate
1046 Court St, Medford, OR 97501 -
Shawn Green - Farmers Insurance
2621 Whittle Ave, Medford, OR 97504 -
Brian J Gabaldon Agency - Farmers Insurance
1361 Center Drive, #100, Medford, OR 97501 -
Shannon Harris Insurance Agency Inc - State Farm
3210 Hillcrest Park Drive, #102, Medford, OR 97504 -
Megan McPherson - Farmers Insurance
2821 Bullock Road, Medford, OR 97504 -
Brown & Brown
3256 Hillcrest Park Drive, Medford, OR 97504 -
Rory Wold - State Farm
3549 Lear Way, #101, Medford, OR 97504 -
Ryan Rayburn - Farmers Insurance
3619 Aviation Way, #101, Medford, OR 97504 -
Barbara Deforest - American Family Insurance
980 North Phoenix Road, #102, Medford, OR 97504 -
SAIF
990 North Phoenix Road, #101, Medford, OR 97504 -
Ashland Insurance
OR -
Lyle Mc Caw - American Family Insurance
4021 Crater Lake Ave, Ste 101A, Medford, OR 97504
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Medford
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,120 | −24% |
| Subaru Outback | Wagon | $1,095 | −26% |
| Tesla Model 3 | Midsize car | $1,525 | +4% |
| Subaru Forester | Small SUV | $1,065 | −28% |
| Honda Civic | Compact car | $1,695 | +15% |
| Toyota Corolla | Compact car | $1,595 | +9% |
| Jeep Wrangler | Midsize SUV | $1,315 | −11% |
| Mazda CX-5 | Small SUV | $1,260 | −14% |
| MINI Cooper | Subcompact car | $1,125 | −23% |
| Tesla Model Y | Midsize SUV | $1,370 | −7% |
Car insurance in nearby Oregon cities
- Eugene $1,520/yr · 120 mi
- Bend $1,470/yr · 142 mi
- Salem $1,570/yr · 179 mi
- Beaverton $1,620/yr · 217 mi
- Gresham $1,645/yr · 220 mi
- Hillsboro $1,590/yr · 221 mi
- Portland $1,620/yr · 221 mi
All Oregon cities and state rules · Homeowners insurance in Medford
Frequently asked questions
How much is car insurance in Medford, OR?
We estimate full coverage in Medford at about $1,470 a year ($122 a month) for a driver in their 30s with a clean record, and about $645 for Oregon's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Medford more expensive than the Oregon average?
Our Medford estimate is 3% higher than the statewide figure. The model reflects a population density of 3,019 people per square mile (the typical Oregon resident lives at about 563) and an average commute of 16.6 minutes versus 23.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Medford?
Drivers in Medford follow Oregon law: at least 25/50/20 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Medford has the cheapest car insurance?
Among Medford's 2 ZIP codes, 97504 has the lowest estimate (about $1,385 a year for full coverage) and 97501 the highest (about $1,405), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Medford?
An 18-year-old with their own full-coverage policy would pay around $4,040 a year in Medford by our estimate ($1,780 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Medford?
FEMA's National Risk Index does not rate Jackson County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Medford?
We list 26 insurance offices in and around Medford, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oregon DMV: Insurance Requirements
- Oregon DMV: SR-22 Information
- ORS chapter 742 (742.502 uninsured/underinsured motorist coverage)
- Oregon DFR: DMV Notice - SB 840 insurance provisions
- Oregon DFR: File a complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Medford and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places