Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Oregon

Cheapest Auto Insurance Quotes for Drivers with a Bad Driving Record in Oregon

Performance level and cost of the vehicle to be insured is a large consideration when quoting low-priced car insurance for drivers with a bad driving record. Vehicles with average performance, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The data below illustrates insurance rates for a selection of the most affordable vehicles to buy insurance for.

Car Insurance Rates for Popular Cars in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $3,308 $1,654 $276
Ford Focus SE 4-Dr Sedan $3,276 $1,638 $273
Honda Accord EX 2-Dr Coupe $3,748 $1,874 $312
Hyundai Elantra SE 4-Dr Sedan $3,458 $1,729 $288
Hyundai Sonata Limited 4-Dr Sedan $3,780 $1,890 $315
Kia Optima EX $3,780 $1,890 $315
Nissan Altima 3.5 SR 2-Dr Coupe $3,930 $1,965 $328
Toyota Camry XLE $3,458 $1,729 $288
Toyota Corolla S $3,458 $1,729 $288
Volkswagen Jetta 2.0T 4-Dr Sedan $3,490 $1,745 $291
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Data rating is based on single female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific location which can change prices considerably.

Auto Insurance Rates for Popular SUVs and Crossovers in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LTZ AWD $3,010 $1,505 $251
Ford Escape Limited 2WD $2,826 $1,413 $236
Ford Explorer XLT 2WD $3,156 $1,578 $263
GMC Acadia SLE AWD $3,308 $1,654 $276
GMC Terrain SLE 2WD $2,978 $1,489 $248
Honda CR-V EX 2WD $2,794 $1,397 $233
Honda Pilot EX 4WD $3,188 $1,594 $266
Jeep Grand Cherokee Limited 4WD $3,490 $1,745 $291
Jeep Patriot Limited 2WD $3,308 $1,654 $276
Kia Sportage LX 4WD 4-Dr $3,308 $1,654 $276
Subaru Forester X Limited Edition AWD $3,044 $1,522 $254
Toyota Highlander SE 2WD $3,340 $1,670 $278
Toyota RAV4 4WD $3,308 $1,654 $276
Volvo XC90 3.2 AWD $3,674 $1,837 $306
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Premium data assumes single female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in vehicle location which can increase or decrease price quotes substantially.

Insurance Rates for Popular Pickup Trucks in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LT Extended Cab 2WD $3,598 $1,799 $300
Dodge Ram 2500 Crew Cab SLT 2WD $3,964 $1,982 $330
Dodge Ram 3500 Crew Cab Laramie 2WD $3,706 $1,853 $309
Dodge Ram Crew Cab TRX 2WD $3,630 $1,815 $303
Ford F-150 Lariat Crew Cab Harley 2WD $3,490 $1,745 $291
Ford F-250 XL Crew Cab Turbo Diesel 2WD $3,964 $1,982 $330
Ford F-350 XL Crew Cab 2WD $3,524 $1,762 $294
GMC Sierra 2500HD SLT Extended Cab 2WD $3,930 $1,965 $328
GMC Sierra SLT Crew Cab 2WD $3,490 $1,745 $291
Toyota Tundra Limited Crew MAX 4WD $3,814 $1,907 $318
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Price data assumes single female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate information does not factor in Oregon location which can raise or lower premiums considerably.

Finding decent, low-cost insurance is not the easiest thing to accomplish, and figuring out which companies offer the best insurance rates for drivers with a bad driving record may require a little more work. Insurance prices may be much higher than the average price in Oregon, with the extra cost attributed to the potentially higher risk that comes with offering coverage for bad drivers, but affordable insurance may be available if you shop around.

Every auto insurer has their own formula for setting prices, so let’s take a look at the overall cheapest insurance companies in Oregon. Keep in mind that Oregon insurance rates are impacted by many factors that can increase the price you have to pay. This price variability is why consumers need to take the time to perform a complete rate comparison when trying to get the best car insurance quotes for drivers with a bad driving record. Insurance rates are calculated by many risk factors and can change substantially, so the most economical option when you last compared rates may now be costing you a lot of money.

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Cheapest auto insurance in Oregon ranked by cost per year
Rank Company Cost Per Year
1 Grange $708
2 Country $847
3 Oregon Mutual $853
4 Travelers $914
5 USAA $950
6 State Farm $1,040
7 Amica $1,137
8 GEICO $1,144
9 Allied $1,179
10 California Casualty $1,182
11 Mutual Enumclaw $1,224
12 Progressive $1,235
13 21st Century $1,324
14 MetLife $1,327
15 American Family $1,416
16 Encompass $1,606
17 Allstate $1,705
18 Farmers $1,994
19 Safeco $2,172
20 Liberty Mutual $2,508
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Grange may offer some of the cheapest car insurance rates in Oregon at around $708 per year. Country, Oregon Mutual, Travelers, and USAA also are some of the cheapest Oregon auto insurance companies.

As shown above, if you currently buy coverage from Country and switched to Grange, you might achieve an annual premium reduction of approxmiately $139. Policyholders with Oregon Mutual might save as much as $145 a year, and Travelers insureds might realize rate reductions of up to $206 a year.

These premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a rate increase for drivers with a bad driving record. So the auto insurance company that fits your age and vehicle best may not even be shown in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

One of the key criteria that insurance companies take into consideration when calculating auto insurance rates is where you choose to live in Oregon. Areas with a lot of weather claims or more people like Gresham, Aloha, and Hillsboro will most likely pay more, whereas areas that are not as densely populated have the luxury of the cheapest auto insurance for drivers with a bad driving record in Oregon.

The information below lists the most expensive places in Oregon for drivers with a bad driving record to buy an auto insurance policy in.

Where does Oregon rank for car insurance cost?
Rank City Average Per Year
1 Gresham $1,622
2 Portland $1,484
3 Aloha $1,405
4 Forest Grove $1,401
5 Hillsboro $1,393
6 Oregon City $1,388
7 Newberg $1,364
8 Lake Oswego $1,364
9 Salem $1,360
10 Beaverton $1,356
11 Woodburn $1,346
12 Tigard $1,336
13 McMinnville $1,325
14 Keizer $1,325
15 Tualatin $1,312
16 West Linn $1,308
17 Redmond $1,260
18 Bend $1,224
19 Roseburg $1,196
20 Corvallis $1,178
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Rates are estimated as vehicle location can decrease or increase coverage rates significantly.

Tickets and at-fault accidents raise rates

The easiest method to score good insurance prices in Oregon for bad drivers is to be a careful driver and avoid getting tickets or having accidents. The example below illustrates how speeding tickets and accident claims increase insurance premiums for different insured age categories. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

The chart shows that the average cost of auto insurance in Oregon per year with no accidents or violations is $1,144. Add in one speeding ticket and the average cost hikes up to $1,316, an increase of $172 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for drivers with a bad driving record increases to an average of $1,791. That’s an increase of $647, or $54 per month, just for not driving safely!

Rate difference between full and liability-only coverage

Finding the cheapest auto insurance for drivers with a bad driving record in Oregon is the goal of the majority of people, and one good way to lower the cost of insurance is to only pay for liability coverage. The information below shows the difference between auto insurance costs with full coverage compared to only the Oregon minimum liability coverage. The prices are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

As an overall average, physical damage coverage on your policy costs $2,245 per year more than just buying liability insurance. That brings up the question if physical damage coverage is worth the money. There is no written rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $11,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $10,500 after paying your policy deductible. If you are currently paying more than $1,050 annually to have full coverage, then you might want to consider buying only liability coverage.

Progressive, Allstate, Geico, and State Farm: Who is cheapest?

When shopping for auto insurance for bad drivers in Oregon, four of the larger companies to compare rates for are Progressive, Allstate, Geico, and State Farm. Combined they make up over 45% of all car insurance policies written. All of them have unique options and discounts that may affect your buying decision. The next table illustrates ratings and policy coverage options that are available for buyers.

Comparison of Top Four U.S. Car Insurance Companies
Progressive Allstate Geico State Farm
Overall Satisfaction 3rd 2nd 1st 4th
Claims Rank 4th 1st 3rd 2nd
Number of Discounts 4th 1st 2nd 3rd
Overall Price 3rd 4th 1st 2nd
Percent of customers who recommend 88% 86% 87% 88%
A.M. Best financial rating A+ A+ A++ A++
Standard & Poor’s financial rating AA AA- AA+ AA
Rate for vehicle usage Yes Yes No Yes
Coverage for ridesharing Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
Emergency roadside assistance Yes Yes Yes Yes
Breakdown insurance Yes No Yes No
New car replacement coverage No Yes No No
Insure in Oregon Yes Yes Yes Yes
Insurance Agents Online or from independent agents Can only buy from Allstate agents From a Geico agent or online Can only buy from State Farm agents
Number of agents 30,000+ 11,000+ 150+ 18,000+
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