Best Cheap Car Insurance for 18 Year Olds in Oregon

Deciding which companies quote the cheapest insurance rates for 18 year olds takes a little more work in order to find the lowest price quote. Every insurance provider uses a little different formula for determining rates in each state, so to begin we’ll rank the overall cheapest insurance companies in Oregon.

It’s a good idea to be aware that Oregon insurance rates are calculated based on many things that will increase or decrease the price you have to pay. Getting older, buying a different home, or getting a driving violation can trigger changes in premium that can make some companies more affordable than before.

Best Car Insurance Prices for Teens

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Grange quotes some of the most affordable car insurance rates in Oregon at around $694 each year. Oregon Mutual, Country, Travelers, and USAA also are some of the cheaper Oregon insurance companies.

As the rates illustrate above, if you have coverage with Travelers and switched to Grange, you may see savings of about $220. Customers with USAA might save as much as $256 a year, and State Farm insureds might reduce rates by $377 a year.

To find the best cheap auto insurance for 18 year olds in Oregon, click here to get quotes or click through to the companies below.

Be aware that those rates are averages for all types of insureds and vehicles and and are not figured with a rate increase for 18 year olds. So the company that is best for you may not even be in the company chart above. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

The safety and performance level of the vehicle you are trying to insure is probably the biggest factor that determines if you can find the best cheap auto insurance for 18 year olds in Oregon. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The data below ranks car insurance costs for a selection of the most affordable automobiles to buy coverage for.

Table data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location information which can revise insurance rates significantly.

Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Cost estimates assume single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in garaging location in Oregon which can lower or raise coverage rates noticeably.

Discount Oregon insurance

Auto insurance companies that sell the best cheap auto insurance for 18 year olds in Oregon could also offer premium discounts that may potentially lower prices by 30% or more if you can meet the requirements. A few of the larger companies and their offered discounts are outlined below.

• Progressive may offer discounts for good student, online signing, online quote discount, multi-vehicle, multi-policy, continuous coverage, and homeowner.
• AAA offers discounts for multi-policy, good student, good driver, multi-car, anti-theft, AAA membership discount, and pay-in-full.
• Farmers Insurance may have discounts that include youthful driver, distant student, multi-car, bundle discounts, business and professional, and electronic funds transfer.
• GEICO may include discounts for driver training, anti-theft, multi-vehicle, defensive driver, seat belt use, and good student.
• Esurance offers premium reductions for anti-lock brakes, Pac-12 alumni, multi-car, anti-theft, online shopper, and renters.
• SAFECO policyholders can earn discounts including anti-theft, homeowner, teen safety rewards, drive less, anti-lock brakes, teen safe driver, and bundle discounts.
• State Farm has discounts for safe vehicle, good student, anti-theft, accident-free, Steer Clear safe driver discount, multiple policy, and multiple autos.

The chart below visualizes the comparison of insurance premiums with and without discounts applied. The rates are based on a male driver, no violations or accidents, Oregon state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, anti-theft, paperless filing, vehicle safety, continuous coverage, and good student discounts applied. With discounts applied, the average amount saved each year on insurance for 18 year olds is 28% or $630.

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Insuring your vehicle with the top company can be difficult considering how many different companies sell coverage in Oregon. The information in the lists below could help you decide which car insurance providers you want to consider when comparing rate quotes. These ratings only include the companies with a significant amount of written premium nationwide, so companies that only write business in Oregon or surrounding areas are not included in the list.

Geico vs Allstate vs Progressive vs State Farm

If you are shopping around for car insurance for teen drivers in Oregon, four companies to take a look at are Geico, Allstate, Progressive, and State Farm. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that can influence your buying decision. The next table illustrates ratings for price and service, as well as some optional coverages offered by each company.