Car insurance costs an average of $112 per month in Bend. Learn how these rates are calculated and find out how to save.
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.
| Bend Average (annual) | Oregon Average | National Average |
| $1,342 | $1,463 | $1,548 |
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.
| Insurance Company | Average Yearly Rate |
| Country | $900 |
| GEICO | $1,001 |
| State Farm | $1,012 |
| USAA | $1,047 |
| Farmers | $1,311 |
Read our guide to finding the best cheap auto insurance.
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.
| Age group | Average Yearly Rate |
| Teenagers | $4,669 |
| 20s | $1,698 |
| 30s | $1,363 |
| 40s | $1,289 |
| 50s | $1,196 |
| 60s | $1,200 |
| 70s | $1,414 |
Learn more about how age influences auto insurance rates.
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.
| Marital Status/Gender | Average Yearly Rate |
| Female | $ 1,403 |
| Male | $ 1,342 |
| Single | $ 1,342 |
| Married | $ 1,263 |
| Divorced | $ 1,348 |
| Widowed | $ 1,338 |
Learn more about how gender and marital status have on insurance rates.
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.
| Violation | Average Yearly Rate |
| DWI/DUI | $1,840 |
| Reckless Driving | $1,979 |
| 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 |
Learn more about citations' impact on your auto insurance rates.
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.
| Credit Score | Average Rate (annual) |
| Very Poor | $ 2,536 |
| Fair | $ 2,018 |
| Good | $ 1,669 |
| Very Good | $ 1,408 |
| Exceptional | $ 1,165 |
Learn more about the relationship between credit and car insurance.