Who Has Cheap Auto Insurance Quotes for Homeowners in Oregon?

When shopping for cheaper insurance for people who own their homes, one of the many factors that influence the amount you pay for auto insurance is the neighborhood you call home in Oregon. Cities with more crime and/or more people like Gresham, Oregon City, and Forest Grove tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The next table rates the most expensive areas in Oregon for homeowners in which to buy car insurance.

Price information shown is approximated as the garaging address in Oregon can impact premiums noticeably.

The car, truck, or SUV you are buying coverage for is one of the largest considerations that determines if you can find low-cost coverage for homeowners. Vehicles with reasonable performance levels, modern passenger safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The list below shows coverage prices for the most economical automobiles to insure.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific Oregon garaging location which can lower or raise coverage prices considerably.

Looking at the rates, we can conclude that makes and models like the Honda CR-V, Honda Accord, Ford Explorer, and Chevrolet Traverse will definitely be a few of the more affordable vehicles to insure for people who own their homes.

Bad driving habits will cost you more

A great way to get low auto insurance premiums in Oregon for people who own their homes is to drive safely and have a clean driving record. The illustration below shows how violations and fender-benders can impact car insurance costs for each age group. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no 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’, 2969,3225,5551],[‘Age 30’, 1533,1789,4111],[‘Age 40’, 1485,1743,4067],[‘Age 50’, 1365,1621,3945],[‘Age 60’, 1339,1599,3921],[‘Age 70’, 1569,1823,4147]]);var options = {title: ‘Impact of Citations 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 prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,710. Receive one speeding ticket and the average cost hikes up to $1,967, an increase of $257 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for homeowners jumps again to an average of $4,290. That’s an increase of $2,580, or $215 per month, just for not driving carefully!

Best auto insurance company in Oregon

Selecting a good quality insurance provider can be a challenge considering how many companies provide coverage in Oregon. The company ratings below can help you pick which car insurance companies to look at purchasing coverage from. These ratings are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in these rankings.

Top 10 Major Car Insurance Companies Overall in Oregon

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Major Car Insurance Companies in Oregon Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. American Family
8. AAA Insurance
9. Nationwide
10. Travelers

Which car insurance company is best?

If you’re looking for the cheapest auto insurance for people who own their homes, some of the first companies to look at are Allstate, State Farm, Geico, and Progressive. When combined, they make up nearly half of all car insurance policies in America. The next table shows some of the different features that may be available in your state.