Gresham Car Insurance

The Zebra
May 30, 2018

Car Insurance in Gresham

Premiums in Oregon are relatively equivalent to national rates, as its premiums are within 3.5% of the national average. Let’s get started on how to save on car insurance in Gresham.

  • City Average: $1,742
  • State Average: $1,377
  • National Average: $1,427

Gresham Car Insurance by Credit Rating

For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are $1,942 less per year. The biggest benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $560 per year.

  • Very Poor: $3,455
  • Fair: $2,825
  • Good: $2,265
  • Very Good: $1,840
  • Exceptional: $1,513

Gresham Car Insurance by Accident or Violation History

Knowing which driving mishaps can make your premiums spike will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. In Gresham, drivers with a DUI have rates nearly double the average for the city of $1,742. Reckless driving will also drive your rates up, with typical rates of $3,151, which are 81% higher than the city average! If you are found at-fault in an accident in Gresham, you can expect your yearly car insurance payments to increase by $1,023.

  • DUI: $3,333
  • Reckless Driving: $3,151
  • At-fault Accident (damages less than $1000): $2,765
  • At-fault Accident (damages greater than $2000): $2,765
  • Speeding Ticket (16-20 mph over speed limit): $2,188

Gresham Car Insurance by Age

The biggest fall in premiums for Gresham drivers happens when they reach their 20s. Once out of the teenage age range, drivers save an average of $5,189. Turning 60 causes a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they progress between age groups. At $1,548, drivers in their 50s have the smallest insurance premiums among any age group. Those in their 60s ($1,579) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with typical payments of $7,525 per year.

  • Teenagers: $7,525
  • 20s: $2,336
  • 30s: $1,726
  • 40s: $1,642
  • 50s: $1,548
  • 60s: $1,579
  • 70s: $1,967

Gresham Car Insurance by Gender and Marital Status

There are several factors, including gender and marital status, that can come into play when determining car insurance premiums in Gresham. Typically, females have premiums that are 5% more expensive than those for males. Single individuals spend roughly $50 more per year compared to those who are married. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single.

  • Female: $1,823
  • Male: $1,742
  • Single: $1,742
  • Married: $1,690
  • Divorced: $1,748
  • Widowed: $1,750

Compare over 200 insurance companies at once!