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Auto insurance can be expensive if you have bad credit. Car insurance companies use credit history as a major rating factor, setting prices based in part on drivers’ credit histories. Because auto insurance companies use historical data showing drivers with bad credit are more likely to file car insurance claims, they account for for that additional risk by assigning expensive rates.
Your car insurance costs with bad credit depends on where you live, which car insurance company you use, and an array of other rating factors. See below typical insurance rates for drivers with bad credit in major Oregon cities and rates from popular auto insurance companies, plus a few tips on saving on auto insurance if you have a bad credit score in Oregon.
Drivers in Oregon pay an average penalty of $1,332 per year for having a credit score at the low end of the scale. Drivers in either the “poor” or “below fair to poor” credit tier will also face higher-than-average rates.
| Credit Tier | Average Annual Rate in Oregon |
| Worst | $2,709 |
| Poor | $2,420 |
| Below Fair to Poor | $2,186 |
| Average — All Credit Tiers | $1,377 |
Your auto insurance costs will also depend on the specific area in which you drive. Insurance companies use your ZIP code to better understand your likelihood of filing a claim: the denser your area,, the more you'll pay.
Listed below are major Oregon cities and their average car insurance rates for those with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Portland | $3,292 | $2,947 | $2,665 |
| Eugene | $2,495 | $2,229 | $2,012 |
| Salem | $2,908 | $2,601 | $2,351 |
| Gresham | $3,464 | $3,099 | $2,799 |
| Hillsboro | $2,989 | $2,676 | $2,419 |
Another contributing factor to your premium is the insurance company you choose. Each and every auto insurance company rates its policies differently, giving rating factors varying weights in their calculations. Credit is often a significant price differentiator between otherwise-similar insurance companies. In Oregon, the most affordable major insurance company with bad credit is Country, which offers average savings of $184 annually over the next-cheapest company, GEICO.
See below prices from popular auto insurance companies in Oregon for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit Tier |
| Country | $1,313 |
| GEICO | $1,497 |
| American Family | $2,081 |
| State Farm | $2,565 |
| USAA | $2,693 |
If you're buying auto insurance with a low credit score, consider these tips: