For a learners permit, one of the more important components that establish the policy price is where you choose to live in Oregon. Cities that have higher claim levels or more people like Gresham, Aloha, and Hillsboro are more likely to have higher rates, whereas less populated areas generally pay less for car insurance.
The illustration below illustrates the highest-priced areas in Oregon for a school permit to purchase auto insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Gresham | $1,558 |
2 | Portland | $1,484 |
3 | Aloha | $1,405 |
4 | Forest Grove | $1,401 |
5 | Hillsboro | $1,393 |
6 | Oregon City | $1,388 |
7 | Woodburn | $1,387 |
8 | Beaverton | $1,370 |
9 | Lake Oswego | $1,364 |
10 | Tigard | $1,362 |
11 | Keizer | $1,351 |
12 | West Linn | $1,348 |
13 | Newberg | $1,337 |
14 | Salem | $1,320 |
15 | Tualatin | $1,312 |
16 | McMinnville | $1,286 |
17 | Redmond | $1,210 |
18 | Bend | $1,188 |
19 | Grants Pass | $1,180 |
20 | Albany | $1,177 |
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Premium amounts are approximated as the specific Oregon residence address can lower or raise insurance rates noticeably.
Trying to buy cheap car insurance is not the easiest thing to accomplish, and deciding which company quotes the cheapest car insurance rates for a school permit calls for additional perseverance. Policy prices may be quite a bit pricier than the average rate in Oregon, with the higher price attributed to the posibility of more claims related to selling coverage for a learners permit, but affordable insurance may be available with some perseverence. Every auto insurer has a different process to determine premium rates, so let’s take a look at the car insurance companies with the overall best prices in Oregon.
It’s important to understand that Oregon car insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Simply having a birthday, increasing liability limits, or getting into an accident can trigger changes in premium that can cause some rates to be more affordable than the competition.
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Rank | Company | Cost Per Year |
---|---|---|
1 | Grange | $687 |
2 | Oregon Mutual | $819 |
3 | Country | $822 |
4 | Travelers | $924 |
5 | USAA | $950 |
6 | State Farm | $1,061 |
7 | Amica | $1,171 |
8 | GEICO | $1,179 |
9 | Mutual Enumclaw | $1,212 |
10 | Allied | $1,215 |
11 | California Casualty | $1,218 |
12 | Progressive | $1,222 |
13 | MetLife | $1,288 |
14 | 21st Century | $1,350 |
15 | American Family | $1,416 |
16 | Encompass | $1,574 |
17 | Allstate | $1,705 |
18 | Farmers | $1,935 |
19 | Safeco | $2,150 |
20 | Liberty Mutual | $2,508 |
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Grange quotes some of the most affordable car insurance rates in Oregon at around $687 annually. Oregon Mutual, Country, Travelers, and USAA would also be considered some of the best Oregon insurance companies.
As shown in the rates above, if you currently have coverage with USAA and switched to Oregon Mutual, you might realize an annual premium reduction of upwards of $131. Oregon drivers with State Farm may save as much as $242 a year, and Amica customers might see rate reductions of $352 a year.
To find cheap car insurance for a school permit in Oregon for your vehicle, click here to begin a quote or click several companies below for low rates.
Be aware that those prices are averaged for all types of insureds and vehicles and are not factoring in a rate increase for a school permit. So the company that can offer you the best price may not even be in the list of companies above. That is why you need to get rate quotes using your own specific driver and vehicle information.
Cost and performance of the vehicle requiring coverage is one of the main factors that determines whether or not you can buy economical coverage for a school permit. Vehicles with lower performance, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.
The data below features auto insurance rates for the cheaper vehicles to buy coverage for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LT | $4,040 | $2,020 | $337 |
Ford Focus SES 4-Dr Sedan | $4,210 | $2,105 | $351 |
Honda Accord LX-P 4-Dr Sedan | $3,364 | $1,682 | $280 |
Honda Civic LX-S 4-Dr Sedan | $4,210 | $2,105 | $351 |
Hyundai Elantra Blue 4-Dr Sedan | $4,210 | $2,105 | $351 |
Hyundai Sonata GLS 4-Dr Sedan | $4,288 | $2,144 | $357 |
Kia Optima SX | $4,584 | $2,292 | $382 |
Toyota Camry XLE | $4,252 | $2,126 | $354 |
Toyota Corolla XLE | $4,252 | $2,126 | $354 |
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific Oregon garaging location which can modify premiums significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX AWD | $3,660 | $1,830 | $305 |
BMW X5 M AWD | $5,224 | $2,612 | $435 |
Chevrolet Traverse LS AWD | $3,448 | $1,724 | $287 |
Ford Escape Limited 4WD | $3,660 | $1,830 | $305 |
Ford Explorer Limited 2WD | $4,040 | $2,020 | $337 |
GMC Acadia SLE AWD | $3,998 | $1,999 | $333 |
Honda CR-V EX 2WD | $3,364 | $1,682 | $280 |
Honda Fit | $3,192 | $1,596 | $266 |
Honda Pilot Touring 2WD | $4,040 | $2,020 | $337 |
Hyundai Tucson Limited 2WD | $3,998 | $1,999 | $333 |
Jeep Grand Cherokee Laredo 4WD | $3,998 | $1,999 | $333 |
Lexus RX 350 4WD | $4,880 | $2,440 | $407 |
Nissan Pathfinder S 4WD | $3,744 | $1,872 | $312 |
Toyota Highlander 4WD | $4,040 | $2,020 | $337 |
Toyota RAV4 Sport 2WD | $3,998 | $1,999 | $333 |
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in zip code location which can influence coverage prices considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD | $4,880 | $2,440 | $407 |
Chevrolet Silverado LT Crew Cab 4WD | $4,294 | $2,147 | $358 |
Dodge Ram 2500 Mega Cab Laramie 2WD | $4,838 | $2,419 | $403 |
Dodge Ram Crew Cab Sport 4WD | $4,626 | $2,313 | $386 |
Ford F-150 STX Super Cab 2WD | $3,702 | $1,851 | $309 |
Ford F-250 XL Super Cab Cabela Turbo Diesel 2WD | $4,880 | $2,440 | $407 |
GMC Canyon SLE Regular Cab 4WD | $3,744 | $1,872 | $312 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $4,630 | $2,315 | $386 |
GMC Sierra SLE Crew Cab 2WD | $4,294 | $2,147 | $358 |
Toyota Tundra Limited Crew MAX 2WD | $4,584 | $2,292 | $382 |
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Data rating is based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can lower or raise price quotes considerably.
If you want the best car insurance for a learners permit in Oregon, four of the larger companies to compare rates for are Progressive, Allstate, Geico, and State Farm. The next table compares and contrasts pricing and service ratings, as well as optional policy coverages .
Progressive | Allstate | Geico | State Farm | |
---|---|---|---|---|
Policy Discounts | 4th | 1st | 2nd | 3rd |
Client Satisfaction | 3rd | 2nd | 1st | 4th |
Claims Handling | 4th | 1st | 3rd | 2nd |
Price Overall | 3rd | 4th | 1st | 2nd |
U.S. market share | 8.8% | 10% | 11.4% | 18.3% |
Accident forgiveness coverage | Yes | Yes | Yes | No |
Usage-based insurance | Yes | Yes | No | Yes |
Rideshare coverage | Yes | Yes | Yes | Yes |
Mechnical breakdown | Yes | No | Yes | No |
Emergency roadside service | Yes | Yes | Yes | Yes |
New car replacement coverage | No | Yes | No | No |
Offered in Oregon | Yes | Yes | Yes | Yes |
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