Best Cheap Auto Insurance Quotes for Drivers with a DUI in Oregon

When shopping for car insurance after getting a DUI, one of the many components that is looked at to help calculate rate quotes is where your car is garaged. Areas with increased crime or more people like Gresham, Aloha, and Hillsboro will most likely have higher rates, whereas areas with less congestion have the luxury of the best cheap auto insurance for drivers with a DUI in Oregon.

The illustration below displays the most expensive cities in Oregon for drivers with a DUI to buy car insurance in.

Rate information is comparative as specific Oregon garaging address can change premiums greatly.

Deciding which insurers offer the most affordable car insurance rates for drivers with a DUI may require a bit more work in order to find the lowest price quote. Every auto insurer uses their own formula to set policy rates, so let’s rank the most competitive car insurance companies in Oregon.

We do need to point out that Oregon car insurance rates are determined by lots of factors that control the price you have to pay. Simply having a birthday, moving to a different location, or having a fender bender can trigger rate changes that may make certain companies more affordable than the competition.

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Grange has some of the cheapest car insurance rates in Oregon at around $715 annually. Oregon Mutual, Country, USAA, and Travelers also qualify as some of the more affordable Oregon auto insurance companies.

In the rate table above, if you are currently insured with Travelers and switched to Oregon Mutual, you could see a yearly savings of upwards of $114. Policyholders with State Farm might save as much as $201 a year, and Amica customers might cut rates by $297 a year.

Be aware that those policy rates are averages for all drivers and vehicles in Oregon and and are not calculated with a rate surcharge for drivers with a DUI. So the company that is most affordable for your situation may not even be shown in the chart above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

Cost of full coverage

Finding the best cheap auto insurance for drivers with a DUI in Oregon is probably important to the majority of vehicle owners, and one of the quickest ways to lower the cost of insurance is to not buy comprehensive and collision coverage. The chart below compares insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or violations, $500 deductibles, drivers are single, and no other discounts are factored in.

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On average, physical damage insurance costs an extra $1,652 per year over and above liability coverage. That raises the question when is it a good idea to stop buying full coverage. There isn’t a written rule to exclude physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s book value is $4,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $3,500 after paying the physical damage deductible. If you are paying over $350 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

How accidents and tickets impact rates

The best way to get affordable car insurance premiums in Oregon after getting a DUI is to pay attention while driving and avoid tickets and accidents. The illustration below illustrates how traffic citations and fender-benders can drive up car insurance costs for each age group. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

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’, 2247,2507,4837],[‘Age 30’, 1559,1821,4151],[‘Age 40’, 1551,1807,4139],[‘Age 50’, 1361,1625,3955],[‘Age 60’, 1297,1555,3889],[‘Age 70’, 1403,1661,3991]]);var options = {title: ‘Impact of Tickets and Accidents on Oregon Car Insurance Rates’,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);}

In the previous chart, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,570. Factor in one speeding ticket and the average cost rises to $1,829, an increase of $260 each year. Now add two accidents along with the one speeding ticket and the annual cost of car insurance for drivers with a DUI increases to an average of $4,160. That’s an increase of $2,591, or $216 per month, just for not maintaining a clean driving record!

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

When it comes to buying auto insurance after getting a DUI in Oregon, four companies you’ll want quotes from are Allstate, Progressive, Geico, and State Farm. The table below compares and contrasts ratings and policy coverage options you can expect with each one.