Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Merlin, OR
We monitor insurance prices, helping the average driver in Merlin save up to 34.7% on car insurance.
The Cheapest Minimum Coverage in Merlin
The chart below shows the cheapest car insurance company in Merlin for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Country Financial, and Travelers.
| Merlin Insurer | Monthly Cost |
|---|---|
| Metromile | $59 |
| State Farm | $59 |
| Country Financial | $66 |
| Travelers | $68 |
Savings for Every Kind of Merlin Driver
Based on our extensive insurance data, we know the average Merlin driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $439 per year by choosing the right vehicle insurance company. Some Merlin residents are paying out over $1,381 extra every year for auto insurance in Merlin. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Merlin, OR Savings / Yr. |
|---|---|
$439 |
|
$653 |
|
$532 |
|
$598 |
|
$1,587 |
|
$429 |
|
$511 |
Merlin Car Insurance vs. Oregon
People living in Merlin pay an average of 8.41% less than the typical driver in the state. The average driver in Merlin can expect to pay about $1,066 per year, or $1,381 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Merlin for most people.
Car Insurance Prices by Merlin Neighborhood
Insurance Prices
Where is insurance cheapest within Merlin?
The map shows insurance prices in and around Merlin, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $51 per year within the city boundaries, with insurance premiums ranging from a high of $1,412 to a low of $1,361. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Merlin.Pick the Best Car Insurance Company for You in Merlin
The best car insurance provider for most drivers in Merlin
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $439 over the average Merlin car insurance company.
The best car insurance provider for Merlin drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $653 over the competition.
The best car insurance company for Merlin drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $532 better than other car insurance companies.
The best auto insurance for Merlin drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $598 less each year.
The least expensive car insurance company for new and young drivers in Merlin
In Merlin, Country Financial costs young drivers $1,587 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Merlin
State Farm gave the largest car insurance discounts to married couples, averaging $429 saved each year compared to an average Merlin couple's premiums.
The cheapest car insurance in Merlin for drivers with bad credit
The best Merlin car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Merlin, which was better than other insurers.
The cheapest large national provider in Merlin
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Merlin driver can expect to pay about $97 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Merlin, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.Auto Insurance Prices in and Around Merlin
What Influences the Cost of Car Insurance in Merlin?
On average, car insurance in Merlin is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Merlin is 32 minutes, which is about the national average for a driver in the state.
- Oregon state insurance regulations may allow for lower prices.
- An average of 4 to 5 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Merlin are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Merlin is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Merlin is $89 per month for minimum coverage and $115 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hugo: Insurance costs 1.30% less
- Grants Pass: Insurance costs 2.61% more
- Wilderville: Insurance costs 0.07% less
- Wolf Creek: Insurance costs 0.58% less
- Wonder: Insurance costs 0.65% less
- Wimer: Insurance costs 1.67% more
- Murphy: Insurance costs 1.52% less
- Rogue River: Insurance costs 0.22% less
- Glendale: Insurance costs 1.09% less
- Glendale Junction: Insurance costs 0.65% less
Cities with Similar Populations
- Lexington: Insurance costs 114.19% more
- Livonia: Insurance costs 48.73% more
- Littleton: Insurance costs 12.17% less
- Littleton: Insurance costs 9.49% less
- Littlefield: Insurance costs 35.70% more
- Little Silver: Insurance costs 28.96% more
- Little Flock: Insurance costs 16.80% more
- Lithia: Insurance costs 89.79% more
- Litchfield: Insurance costs 38.88% more
- Linwood: Insurance costs 12.89% less