How Much are Auto Insurance Quotes for Infrequent Drivers in Oregon?

How Much are Auto Insurance Quotes for Infrequent Drivers in Oregon?

Performance level and cost of the vehicle you are seeking coverage for is one of the largest factors when shopping around for cheap auto insurance for infrequent drivers in Oregon. Vehicles with high performance features, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The tables below ranks car insurance premiums for a number of the most affordable vehicles to buy coverage for.

Insurance Rates for Popular Cars in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $848 $424 $71
Honda Accord EX 2-Dr Coupe $952 $476 $79
Honda Civic EX 4-Dr Sedan $874 $437 $73
Hyundai Sonata GLS 4-Dr Sedan $906 $453 $76
Kia Optima LX $906 $453 $76
Nissan Altima Hybrid 4-Dr Sedan $914 $457 $76
Toyota Camry Hybrid $972 $486 $81
Toyota Corolla XLE $894 $447 $75
Volkswagen Jetta SE 2.5 Station Wagon $850 $425 $71
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific garaging location which can influence rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $784 $392 $65
BMW X5 M AWD $1,132 $566 $94
Chevrolet Traverse LT AWD $804 $402 $67
Ford Escape XLS 4WD $718 $359 $60
Ford Explorer XLT 4WD $802 $401 $67
GMC Acadia SLE AWD $848 $424 $71
Honda CR-V LX 2WD $718 $359 $60
Honda Pilot EX 4WD $822 $411 $69
Hyundai Tucson GLS 4WD $802 $401 $67
Jeep Grand Cherokee Laredo 2WD $848 $424 $71
Kia Sportage LX $848 $424 $71
Subaru Forester X AWD $804 $402 $67
Toyota 4Runner Sport 2WD $758 $379 $63
Toyota Highlander Hybrid Limited 4WD $934 $467 $78
Toyota RAV4 Limited 4WD $848 $424 $71
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in specific garaging location which can modify rates greatly.

Insurance Rates for Popular Pickup Trucks in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $828 $414 $69
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $954 $477 $80
Chevrolet Silverado LT Crew Cab 2WD $972 $486 $81
Dodge Ram 3500 Mega Cab SLT 4WD $1,266 $633 $106
Dodge Ram Quad Cab SLT 2WD $926 $463 $77
Ford F-150 SVT Raptor Super Cab 4WD $868 $434 $72
Ford F-250 XL 2WD $906 $453 $76
GMC Sierra 3500HD SLT Extended Cab 4WD $1,092 $546 $91
GMC Sierra SLE Crew Cab 2WD $914 $457 $76
Toyota Tundra Regular Cab 4WD $926 $463 $77
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location which can raise or lower coverage prices considerably.

When buying car insurance for low mileage drivers, one of the key things that aid in calculating insurance cost is where your home is located in Oregon. Areas with a lot of weather claims or more people like Gresham, Oregon City, and Aloha likely pay more, whereas areas with less crime or weather claims have the luxury of cheap auto insurance for infrequent drivers in Oregon.

The information below rates the higher priced cities in Oregon for infrequent drivers to buy auto insurance in.

How much does auto insurance cost in Oregon?
Rank City Average Per Year
1 Gresham $1,574
2 Portland $1,499
3 Oregon City $1,430
4 Lake Oswego $1,406
5 Aloha $1,405
6 Hillsboro $1,393
7 Forest Grove $1,388
8 Woodburn $1,387
9 Newberg $1,377
10 Beaverton $1,356
11 Tualatin $1,352
12 West Linn $1,348
13 McMinnville $1,338
14 Keizer $1,325
15 Tigard $1,322
16 Salem $1,306
17 Redmond $1,247
18 Bend $1,236
19 Grants Pass $1,191
20 Springfield $1,170
21 Eugene $1,169
22 Albany $1,153
23 Roseburg $1,150
24 Corvallis $1,143
25 Medford $1,123
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Price information shown is comparative as specific location information can lower or raise coverage prices noticeably.

Deciphering which company offers the lowest-priced insurance rates for infrequent drivers requires more time than just getting one or two price quotes. Every car insurance company has a unique formula for setting rates, so we will examine the lowest cost insurance companies in Oregon.

We do need to point out that Oregon insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Simply improving your credit, having a teen driver, or getting a DUI can produce rate changes that may make certain companies cheaper than before.

Best Insurance Companies in Oregon

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Rankings for the cheapest Oregon auto insurance companies
Rank Company Cost Per Year
1 Grange $715
2 Oregon Mutual $819
3 Country $831
4 Travelers $942
5 USAA $950
6 State Farm $1,029
7 GEICO $1,155
8 Amica $1,171
9 Allied $1,179
10 California Casualty $1,218
11 Progressive $1,222
12 Mutual Enumclaw $1,224
13 MetLife $1,288
14 21st Century $1,310
15 American Family $1,416
16 Encompass $1,606
17 Allstate $1,722
18 Farmers $1,935
19 Safeco $2,150
20 Liberty Mutual $2,533
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Grange may have some of the best car insurance rates in Oregon at around $715 annually. Oregon Mutual, Country, Travelers, and USAA also qualify as some of the more affordable Oregon insurance companies.

As the rates illustrate above, if you currently have a policy with USAA and switched to Oregon Mutual, you could realize a yearly price reduction of upwards of $131. Customers with State Farm might save as much as $210 a year, and GEICO policyholders might see rate reductions of $336 a year.

To find cheap auto insurance for infrequent drivers in Oregon, click here or quote prices from the following companies.

Bear in mind that those estimates are averaged across all drivers and vehicles and and are not figured with a price discount for infrequent drivers. So the car insurance company that can offer you the lowest price may not even be included in the above rate chart. That points out the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

Impact of violations and accidents on rates

In a perfect world, the ideal way to earn cheap insurance prices in Oregon for low mileage drivers is to be a safe driver and avoid at-fault accidents and violations. The example below highlights how traffic violations and at-fault collisions impact insurance premiums for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of a car insurance policy in Oregon per year with no accidents or violations is $1,272. Get one speeding ticket and the average cost increases to $1,481, an increase of $209 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for infrequent drivers jumps again to an average of $2,065. That’s an increase of $793, or $66 per month, just for not driving safely!

Liability only or full coverage

Finding cheap auto insurance for infrequent drivers in Oregon should be important to the majority of vehicle owners, and one good way to reduce the cost of insurance is to not pay for full coverage. The illustration below compares auto insurance rates with liability coverage only compared to full coverage. The price estimates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no other discounts are factored in.

If we average the cost for all age groups, comp and collision coverage costs an additional $1,858 per year more than just buying liability insurance. That is a significant amount which raises the question if it’s worth it to buy full coverage. There is no definitive formula to stop paying for full coverage, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

How to find cheaper car insurance for infrequent drivers

The list below summarizes some of the better penny-pinching ideas that can help Oregon drivers get cheaper car insurance.

  • Do not pay for full coverage on older vehicles
  • Staying accident-free helps keep rates low
  • Buy a safer vehicle
  • Bundle home and auto and earn a discount
  • Higher credit ratings may save you money
  • Comparison shop frequently

The last item on the list is incredibly critical, as we noted in the article above. Prices charged by car insurance companies vary greatly, so drivers shouldn’t be resistant to buy a different policy if a better deal can be had. Having a favorite company is great, but it’s not recommended if it’s costing you money that could be going to better use. In just a couple of minutes you could compare prices and find cheaper auto insurance for infrequent drivers.