Who Has Cheap Car Insurance Quotes for High Risk Drivers in Oregon?

Buying reasonably-priced auto insurance is tough enough, and determining which insurers offer the best insurance rates for high risk drivers involves a bit more work. Insurance premiums will probably be quite a bit pricier than the average price in Oregon, with the extra cost attributed to the additional risk that comes with offering insurance for high risk drivers, but competitive insurance should be possible if you compare enough rates. Each insurer has their own guidelines for filing rates in each state, so to begin we’ll rank the insurance companies that tend to be cheaper in Oregon.

Best Auto Insurance Prices for Risky Drivers

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Grange quotes some of the best car insurance rates in Oregon at around $687 a year. Oregon Mutual, Country, USAA, and Travelers also are some of the cheaper Oregon insurance companies.

As the rates illustrate above, if you are a policyholder with USAA and switched to Oregon Mutual, you could see a yearly savings of in the neighborhood of $88. Customers with Travelers may save as much as $89 a year, and State Farm customers might cut rates by $187 a year.

To find cheap car insurance for high risk drivers in Oregon, click here or feel free to get quotes from the companies below.

These premiums are averaged for all drivers and vehicles and do not factor in a rate surcharge for high risk drivers. So the company that can offer you the best rate may not even be included in the above list. That points out the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

When shopping for cheaper auto insurance for high risk drivers, one of the many criteria that is used by auto insurance companies to calculate the amount you pay for auto insurance is where you keep your vehicle. Areas with high crime rates or more dense population like Gresham, Oregon City, and Forest Grove tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower auto insurance rates.

The illustration below ranks the highest-priced areas in Oregon for high risk drivers to purchase auto insurance in.

Rate information is estimated as the vehicle garaging location can impact rates noticeably.

The vehicle requiring coverage is probably the most important factor when consumers are trying to find cheaper insurance for high risk drivers. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The lists below presents auto insurance costs for a handful of the most affordable automobiles to insure.

Prices above based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in zip code location which can impact rates significantly.

Prices based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can decrease or increase premiums noticeably.

Price data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can change premiums significantly.

The example below demonstrates how deductible levels can raise or lower insurance costs when quoting cheap insurance for high risk drivers. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.

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In the chart above, a 40-year-old driver could save $252 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $382 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could lower their rates $644 or more just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will be required to have additional funds in a savings account to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Driving violations and accidents

The common sense way to receive cheap car insurance for high risk drivers in Oregon is to drive carefully and avoid accidents and traffic violations. The chart below illustrates how traffic citations and fender-benders can drive up insurance premiums for each different age category. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1661,1853,3575],[‘Age 30’, 1155,1347,3073],[‘Age 40’, 1145,1339,3063],[‘Age 50’, 1011,1203,2927],[‘Age 60’, 961,1155,2875],[‘Age 70’, 1035,1227,2951]]);var options = {title: ‘Impact of Tickets and Accidents on Oregon Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,161. Get written up for one speeding ticket and the average cost swells to $1,354, an increase of $193 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of insurance for high risk drivers increases to an average of $3,077. That’s an increase of $1,916, or $160 per month, just for being a careless driver!

Allstate, Geico, State Farm, and Progressive: Who is cheapest?

If you’re looking for the best car insurance, the first places to look would be Allstate, Geico, State Farm, and Progressive. If you add them together, they insure 48.5% of all policies written in the United States. The next table rates price and claims rank as well as some different options that may be available in Oregon.