Bend, OR Car Insurance

Car insurance costs an average of $112 per month in Bend. Learn how these rates are calculated and find out how to save.

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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 AverageNational Average
$1,342$1,463$1,548
 
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Bend car insurance costs by insurer

 

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 CompanyAverage 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.

 
 

 

Bend car insurance premiums by age

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 groupAverage 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.

 
 

 

Bend auto insurance costs by marital status and gender

 

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/GenderAverage 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.

 
 

 

Bend auto insurance costs by accident and violation history

 

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
ViolationAverage 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.

 
 

 

Bend auto insurance premiums by credit level

 

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 ScoreAverage 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.

 

The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.