Best Cheap Car Insurance for State Employees in Oregon

Deciphering which company quotes the lowest-priced insurance rates for state employees involves more time than just picking a company at random. Every auto insurer has a proprietary method to set policy rates, so we’ll take a look at the most budget-friendly insurance companies in Oregon.

Lowest Insurance Price Quotes in Oregon

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Grange quotes some of the cheapest car insurance rates in Oregon at around $708 per year. Country, Oregon Mutual, Travelers, and USAA also rank well as some of the best Oregon auto insurance companies.

As depicted above, if you are a customer of Travelers and switched to Country, you might achieve a yearly savings of upwards of $67. Insureds with USAA might save as much as $103 a year, and State Farm policyholders might reduce prices by as much as $214 a year.

If you would like to find the best cheap car insurance for state employees in Oregon, click here to get quotes or click several companies below for low rates.

It’s important to note that these policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a price decrease for state employees. So the insurer that is best for you may not even be included in the chart above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

When shopping for insurance for state workers, one of the many considerations that insurance companies use when figuring the policy price is where your home is located. More densely populated places like Gresham, Oregon City, and Beaverton will most likely have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below rates the priciest cities in Oregon for state employees to buy car insurance in.

Table data uses estimated as the specific garaging location can alter insurance rates greatly.

The diagram below shows how choosing a deductible can influence premium costs when quoting cheap insurance for state employees. Data assumes a married male driver, comp and collision included, and no discounts are factored in.

As shown above, a 50-year-old driver could lower their car insurance rates by $222 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $336 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could reduce their rates as much as $740 every year just by choosing higher deductibles. If you do raise deductibles, it will be necessary to have enough funds in savings to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Illustration showing the impact of accidents and violations

One of the best ways to earn the best cheap car insurance for state employees in Oregon is to be a careful driver and avoid traffic citations and accidents. The illustration below shows how traffic citations and fender-benders impact annual premium costs for different age categories. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of a car insurance policy in Oregon per year with no violations or accidents is $1,709. Get written up for two speeding tickets and the average cost jumps to $2,276, an increase of $567 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for state employees increases to an average of $2,862. That’s an increase of $1,153, or $96 per month, just for being a little careless behind the wheel!

Cheapest car insurance: State Farm, Progressive, Allstate, or Geico

When it comes to auto insurance for state workers, some of the largest companies to start with are State Farm, Progressive, Allstate, and Geico. They all offer somewhat different options that may affect your buying decision. The following table illustrates price and claims rank as well as some different options you can expect with each one.