Why you can trust The Zebra
How much does car insurance cost in Bend?
Car insurance coverage costs an average of $1,342 each year in Bend. That's less than the average rate in Oregon ($1,463) and less expensive than the national average of $1,548. Our guide to car insurance in Bend — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.
CAR INSURANCE: BEND RATES VS. STATE + NATIONAL AVERAGES
|Bend Average (annual)||Oregon Average||National Average|
The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, Country provides Bend's cheapest rates. We've gathered the best cheap car insurance companies in Bend below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
BEND CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
The best age for car insurance rates as a driver in Bend is your 50s: drivers in this age group pay an average of $1,196 per year. Those in their 60s don't pay much more ($1,200).
The Bend drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Bend and move out of the teenage age bracket, they reduce their premiums substantially. In Bend, teenage drivers pay $4,669 — a full $3,469 more than the second-most expensive rate paid by an age group.
BEND AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Yearly Rate|
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Bend, married motorists pay $79 less than do single drivers for auto insurance.
Gender is yet another factor that can affect auto insurance premiums. In Bend, female drivers pay more for auto insurance than do male drivers: $61 per year, to be precise.
BEND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most costly citations to receive are DUI and reckless driving. Bend drivers found guilty of reckless driving face insurance rate increases of $637 per year, compared to the citywide average. A DUI violation may lead to a $498 increase, while a citation for speeding leads to a $303 rate hike.
AVERAGE BEND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,869|
|At-fault Accident (damages > $2,000)||$1,982|
|Speeding Ticket (16-20 mph over speed limit)||$1,645|
It's no secret credit score is closely correlated with car insurance rates. In fact, Bend drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 54% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Bend, improving your credit to "Fair" could help you earn a $517 decrease in yearly insurance premiums.
BEND CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate (annual)|
|Very Poor||$ 2,536|
|Very Good||$ 1,408|
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.