Grants Pass, OR
Grants Pass, OR car and homeowners insurance
How Grants Pass households can compare car and home coverage, with local Census data. A quote is not a binder.
In Grants Pass (39,468 people), 74% of workers commute by driving alone, compared with 64% across Oregon. Homeownership runs at 57%.
Grants Pass driving profile
| Measure | Grants Pass | Oregon |
|---|---|---|
| Drive alone to work | 74% | 64% |
| Carpool | 11% | 8% |
| Work from home | 10% | 19% |
| Commute of 45 minutes or more | 8% | 12% |
| Commute under 15 minutes | 57% | 32% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 23% | 24% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Grants Pass commutes are shorter than the Oregon norm, with 8% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 10% of Grants Pass workers mostly work from home, below the Oregon share of 19%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
23% of Grants Pass households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Grants Pass homeowners picture
Homes in Grants Pass carry a median value of $382,600 and a median construction year of 1983. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Oregon HO-3 policyholders with $350,000–$399,999 of dwelling coverage paying an average of $919; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Grants Pass 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 Grants Pass homeowners bundle?
With 57% of households owning their home, bundling is an option for most Grants Pass families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Grants Pass
Insurers in Oregon price for wildfire smoke and fire seasons and wet winter driving. 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.
How Grants Pass compares in Oregon
Portland shows 29% working from home and a median home value of $581,500. Salem shows 16% working from home and a median home value of $416,900. Eugene: 61% drive alone, 6% commute 45+ minutes, median home $460,400. Grants Pass ranks 13th for long commutes among the 20 Oregon cities we profile.
Gathering details for a Grants Pass auto and home quote
- Drivers' names and dates of birth
- When the roof was replaced
- Your existing policies and renewal dates
- Home details: size, age, construction
- Liability limits you want
- Lender name and loan number
Grants Pass auto and home insurance FAQ
What are the minimum car insurance limits for Grants Pass drivers?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Grants Pass drivers have long commutes?
About 8% of Grants Pass workers commute 45 minutes or more and 57% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Grants Pass?
Prices depend on the home and coverage. The NAIC's 2023 Oregon HO-3 average was $1,003; see the Oregon page.
Other city guides near Grants Pass
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research