Car Insurance for Good Drivers in Oregon

The Zebra
July 15, 2019

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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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

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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 CompanyAvg. 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

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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.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. 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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