Gresham, OR Car Insurance

What is the average cost of car insurance in Gresham?


Auto insurance costs an average of $1,944 per year in Gresham. That's more expensive than the average in Oregon ($1,463) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Gresham.


GRESHAM CAR INSURANCE RATES
Gresham Average (per year)Oregon AverageNational Average
$1,944$1,463$1,548

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Gresham car insurance rates by provider


The difference in auto insurance rates from company to company can be substantial. In Gresham, USAA offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Gresham. Don't forget to get car insurance quotes based on your driving profile.


GRESHAM CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
USAA$1,350
GEICO$1,381
Country$1,534
State Farm$1,569
Farmers$2,049

Consult our expert guide to finding the best cheap car insurance.



Auto insurance premiums by age in Gresham

The age group that enjoys the lowest auto insurance rates in Gresham are drivers in their age_50s, who pay an average of $1,734per year. Rates for Gresham drivers in their age_60s are also relatively affordable, at just $1,777 per year.

The Gresham drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Gresham is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Gresham is $4,856, the largest such difference between any two age groups.


GRESHAM CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$7,392
20s$2,536
30s$1,922
40s$1,824
50s$1,734
60s$1,777
70s$2,215

Learn more about the impact of age on auto insurance rates.



Gresham car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Gresham, married drivers pay $106 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Gresham, single drivers pay less than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Gresham, female drivers pay $126 per year more than do male drivers for car insurance.


GRESHAM CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$2,070
Male$1,944
Single$1,838
Married$1,838
Divorced$1,951
Widowed$1,947

Learn more about how gender and marital status have on insurance rates.



Gresham car insurance premiums by driving history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Gresham drivers found guilty of reckless driving face insurance rate increases of $987 per year, compared to the citywide average. A DUI violation may lead to a $768 increase, while a citation for speeding leads to a $463 rate hike.


AVERAGE GRESHAM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$2,711
Reckless Driving$2,931
At-fault Accident (damages < $1,000)$2,783
At-fault Accident (damages > $2,000)$2,953
Speeding Ticket (16-20 mph over speed limit)$2,406

Get more info on how a bad driving history can impact your car insurance costs.



Gresham auto insurance rates by credit score


Credit score is often closely correlated with car insurance costs. In Gresham, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Gresham, improving your credit to "Fair" could help you earn $1,593 in savings on insurance premiums each year.


GRESHAM CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$3,925
Fair$2,332
Good$1,944
Very Good$1,768
Exceptional$1,595

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.