How Much Does Car Insurance Cost for Felons in Oregon?

How Much Does Car Insurance Cost for Felons in Oregon?

The words “cheap” and “insurance” really shouldn’t be used in the same sentence, in particular when you are looking for the lowest insurance rates for felons. In an attempt to save some money, let’s take a look at some of the things that influence insurance rates, and find a way to reduce the price of the next policy you buy.

The car, truck, or SUV you are seeking coverage for is a large consideration that determines if you can find the most economical insurance for felons. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost more to insure than safer models.

The information below shows insurance prices for a selection of the most economical vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Felons in Oregon
Vehicle Estimated Cost for Full Coverage
Chevrolet Traverse LT 2WD $641
Honda Accord EX 4-Dr Sedan $686
Honda CR-V EX-L 2WD $706
Ford Escape XLT 4WD $713
Chevrolet Malibu LT $738
Hyundai Tucson GLS 2WD $748
Ford Focus SES 4-Dr Sedan $758
Hyundai Elantra Blue 4-Dr Sedan $748
Toyota Highlander 2WD $750
Ford Edge Sport AWD $761
Dodge Grand Caravan CV $767
Toyota Prius $769
Chevrolet Impala LS $772
Nissan Altima Hybrid 4-Dr Sedan $776
Toyota Tacoma 2WD $792
Subaru Forester X Limited Edition W/Navigation AWD $801
Ford Explorer Limited 4WD $807
Toyota RAV4 Sport 2WD $811
Chevrolet Silverado LT Extended Cab 4WD $818
Jeep Grand Cherokee Laredo 4WD $811
Chevrolet Equinox LT AWD $818
Hyundai Sonata SE 4-Dr Sedan $813
Honda Civic EX 4-Dr Sedan $815
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can affect rates substantially.

Looking at the data, cars like the Chevrolet Traverse, Honda Accord, Honda CR-V, Ford Escape, and Chevrolet Malibu are most likely to be a few of the more affordable vehicles to insure for felons.

Deciphering which companies offer the cheapest auto insurance rates for felons will require a little more effort than just comparing rates from one or two companies.

Each insurer has a different process for setting prices, so let’s examine the overall cheapest auto insurance companies in Oregon.

Find Cheaper Auto Insurance for Felons

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What’s the cheapest car insurance in Oregon?
Rank Company Cost Per Year
1 Grange $708
2 Country $822
3 Oregon Mutual $844
4 Travelers $914
5 USAA $979
6 State Farm $1,071
7 Amica $1,137
8 GEICO $1,155
9 Allied $1,167
10 Mutual Enumclaw $1,212
11 California Casualty $1,218
12 Progressive $1,222
13 MetLife $1,340
14 21st Century $1,350
15 American Family $1,416
16 Encompass $1,622
17 Allstate $1,722
18 Farmers $1,994
19 Safeco $2,238
20 Liberty Mutual $2,458
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Grange normally has some of the cheapest car insurance rates in Oregon at around $708 a year. Country, Oregon Mutual, Travelers, and USAA would also make the list of some of the lowest-priced Oregon car insurance companies.

As the example above demonstrates, if you currently have a policy with Oregon Mutual and switched to Grange, you may see annual savings of upwards of $136. Policyholders with Travelers might save as much as $206 a year, and USAA insureds might see rate reductions of $271 a year.

To find cheap auto insurance for felons in Oregon for your vehicle, click here to start your custom quote or visit several of the following companies.

Bear in mind that those premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a rate discount for felons. So the auto insurance company that can offer you the best rate may not even be shown in the list of companies above. That illustrates why you need to compare rates from as many companies as possible using your own individual information.

Choosing a high-quality auto insurance provider can be a challenge considering how many companies are available to choose from in Oregon. The ranking information below can help you decide which providers to look at when shopping around. These rankings include large insurance companies, so companies with more of a regional focus will not be included in the list.

Oregon Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
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Data Source: Insure.com Best Car Insurance Companies

Who has the cheapest insurance quotes for felons?

There are many different ways to find lower-cost auto insurance in Oregon, but the most prevalent ways are through an exlusive agent such as Liberty Mutual or Allstate, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive. All three ways are similar, but it’s important to point out the distinctions in how they give price quotes.

Independent agencies write business for many companies and can compare rates with each one. These agents can give you a larger rate selection, which can help you get the best shot at cutting your rates. If they quote lower rates, they simply switch companies in-house and that require little work on your part.

A captive or exclusive agent is only able to write with a single company, for example an Auto-Owners or Allstate agent. These guys and gals cannot provide a range of price quotes, so you will not be able to compare their rates to other companies.

The third way to buy auto insurance is direct which means you do not use an independent or exclusive agent and buy direct from companies such as Progressive or Esurance. Shopping for auto insurance direct is a good choice for families who have lower risk management needs and have a good understanding of what is covered and what is not.

Out of those three methods, which one works best to find cheap auto insurance for felons in Oregon? Our initial answer would be buying from a direct company results in the cheapest rates because there are no middleman commissions, but in reality, that argument does not hold true. It would also be easy to say an independent agency can save the most money since they have access to many companies, but that is not necessarily true either. For some people, the exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Since auto insurance prices vary so much, the best way to ensure you are not overpaying for auto insurance is to get quotes and compare the rates. To cover all the bases, get quotes from all three types in order to be able to find the lowest price. For a list of companies with online discounts, click here to view.

How to find low-cost insurance for felons

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help Oregon drivers buy lower-cost auto insurance.

  • Avoid at-fault accidents and claims
  • Safe vehicles generally have lower rates
  • Increase your credit rating
  • Higher physical damage deductibles lower rates
  • You will pay more if you get tickets or have at-fault accidents
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Shop your coverage around for the best deal

That final tip is incredibly important, as we stressed in the prior article. Insurance prices in Oregon can be changed at any time, so don’t be afraid to buy from a new company if you find a better deal.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that dedication is costing a lot of money every month. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for felons.