Medford, OR
Auto and home insurance in Medford, Oregon
How Medford households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Medford drivers commuting alone at a rate of 73% and homeowners making up 56% of households. Here is what that means for auto and home coverage in a city of about 86,301.
Medford driving profile
| Measure | Medford | Oregon |
|---|---|---|
| Drive alone to work | 73% | 64% |
| Carpool | 12% | 8% |
| Work from home | 11% | 19% |
| Commute of 45 minutes or more | 4% | 12% |
| Commute under 15 minutes | 47% | 32% |
| Households with no vehicle | 7% | 7% |
| Households with 3 or more vehicles | 23% | 24% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 4% of Medford commuters travel 45 minutes or more each way (Oregon: 12%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 11% of Medford workers mostly work from home, below the Oregon share of 19%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 23% of households in Medford have at least three vehicles (Oregon: 24%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Medford homes and homeowners coverage
The median owner-occupied home in Medford is valued at $417,100, and half of the city's homes were built before 1984. The Oregon median value is $477,600. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $994 was the average 2023 Oregon HO-3 premium at the $400,000–$449,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Medford drivers
The state minimum is 25/50/20. Additional requirement: pIP $15,000; uninsured motorist 25/50. See our state minimums guide for how these compare across our ten states.
Should Medford homeowners bundle?
A bundle can simplify life in Medford: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Medford
Insurers in Oregon price for wet winter driving and ice storms. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Medford compared with nearby cities
Portland shows 29% working from home and a median home value of $581,500. In Salem, 56% own their home and 18% of households have three or more vehicles. Eugene: 61% drive alone, 6% commute 45+ minutes, median home $460,400. Medford ranks 20th for long commutes among the 20 Oregon cities we profile.
Gathering details for a Medford auto and home quote
- Your existing policies and renewal dates
- Lender name and loan number
- Commute distance and typical yearly miles
- Home details: size, age, construction
- Recent claims or violations
- Vehicle year, make, model, and VIN
Questions from Medford drivers and homeowners
What auto insurance is required in Medford?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
How long are commutes in Medford?
About 4% of Medford workers commute 45 minutes or more and 47% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Medford?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Medford
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research