Car Insurance with Bad Credit in Oregon

The Zebra
March 12, 2019

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.


Auto insurance for drivers with poor credit in Oregon:

  1. Average rates
  2. Prices by city
  3. Rates by company

Auto insurance rates with bad credit 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.


OREGON AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Oregon
Worst$2,709
Poor$2,420
Below Fair to Poor$2,186
Average — All Credit Tiers$1,377

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Car insurance rates with bad credit in Oregon cities

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.


BAD CREDIT CAR INSURANCE RATES IN OREGON CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage 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

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Best auto insurance companies for bad credit in Oregon

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.


OREGON CAR INSURANCE RATES WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage 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:

  1. See car insurance quotes
  2. Know when to file a claim
  3. Know what determines auto insurance rates

Compare rates from top car insurance companies.