Car insurance for good drivers in Oregon
Many of the factors that contribute to your car insurance rates lie beyond your control, including your age, location, and gender. There are, however, factors you can more easily alter in pursuit of lower rates.
If you're looking for affordable car insurance, consider keeping your driving record squeaky clean, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to low-risk clients, so low-risk driving behaviors can lead to a price cut.
See below example rates from top companies for low-risk customers in Oregon.
Car insurance for citation-free drivers in Oregon
One way to reduce your auto insurance rates is to steer clear of legal issues. Car insurance companies see safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.
If you're free of tickets, start your search for car insurance with Grange, with average annual premiums of $899. That comes out to $661less than the average car insurance rate for drivers without citations in Oregon.
CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN OREGON
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Grange | $899 |
| USAA | $1,094 |
| Oregon Mutual | $1,160 |
| State Farm | $1,190 |
| Country | $1,328 |
| Mutual Of Enumclaw | $1,365 |
| Allied | $1,493 |
| Encompass | $1,559 |
Auto insurance rates for drivers with above-average credit scores in Oregon
Car insurance companies reward drivers who have above-average credit. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.
If your credit score sits within the "good" tier, your best option for car insurance might be Grange, offering average rates of $899. If your credit score is in the “excellent” range, Grange could be a good company with which to start your search. Grange's rates for drivers with "excellent" credit average are $560 per year less than the typical car insurance rate for drivers with exceptional credit in Oregon.
Find below a breakdown of auto insurance rates in Oregon for drivers with good, very good, and excellent credit scores.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN OREGON
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Grange | $899 |
| USAA | $1,094 |
| Oregon Mutual | $1,160 |
| State Farm | $1,190 |
| Country | $1,328 |
| Mutual Of Enumclaw | $1,365 |
| Allied | $1,493 |
| Encompass | $1,559 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN OREGON
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Grange | $739 |
| USAA | $1,015 |
| State Farm | $1,066 |
| Oregon Mutual | $1,143 |
| Country | $1,297 |
| Mutual Of Enumclaw | $1,327 |
| Allied | $1,406 |
| Progressive | $1,461 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN OREGON
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Grange | $618 |
| USAA | $941 |
| State Farm | $955 |
| Oregon Mutual | $1,127 |
| Mutual Of Enumclaw | $1,222 |
| Country | $1,267 |
| Progressive | $1,295 |
| Allied | $1,305 |
Car insurance for low-mileage drivers in Oregon
The fewer miles you drive, the less likely you are to be involved in a collision. At least that's what car insurance companies think. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.
If you're an Oregon driver who drives less than 7,500 miles per year, consider Grange, which offers average annual savings of $661 for low-mileage clients.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN OREGON
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Grange | $899 |
| USAA | $929 |
| Oregon Mutual | $952 |
| State Farm | $1,068 |
| Country | $1,328 |
| Mutual Of Enumclaw | $1,365 |
| GEICO | $1,382 |
| Allied | $1,493 |
Rates for good drivers in Oregon — in major cities
Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurers price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.
Find below a breakdown of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Eugene | $1,179 | $1,179 | $1,061 | $974 | $1,144 |
| Salem | $1,344 | $1,344 | $1,210 | $1,111 | $1,295 |
| Hillsboro | $1,357 | $1,357 | $1,220 | $1,118 | $1,290 |
| Portland | $1,506 | $1,506 | $1,354 | $1,240 | $1,425 |
| Gresham | $1,673 | $1,673 | $1,504 | $1,380 | $1,590 |
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