Best Bend, OR Car Insurance in 2024
Car insurance in Bend, OR averages $262 a month. Bend, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Bend car insurance rates, compare quotes from the top car insurance companies in Bend, OR.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Bend is 97703
- The cheapest car insurance company in Bend is USAA
- Average car insurance rates in Bend, OR are $3,142/year
If you need to buy Bend, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Bend, OR is right here.
You’ll find Bend car insurance rates, the cheapest Bend, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Bend, Oregon car insurance rates to Corvallis car insurance rates, Gresham car insurance rates, and Beaverton car insurance rates.
Ready to find affordable Bend, OR car insurance today? Enter your ZIP code for fast, free Bend car insurance quotes.
Cheapest Bend, OR Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bend, OR car insurance rates? Every Bend, Oregon car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,652 | $2,479 | $2,415 | $2,438 | $7,685 | $8,589 | $2,797 | $2,819 |
| American Family | $2,118 | $2,118 | $1,889 | $1,889 | $5,222 | $8,172 | $2,118 | $2,221 |
| Farmers | $1,847 | $1,802 | $1,634 | $1,738 | $7,524 | $7,672 | $2,063 | $2,112 |
| Geico | $2,272 | $2,196 | $2,110 | $2,118 | $5,865 | $5,356 | $2,420 | $2,097 |
| Liberty Mutual | $2,633 | $2,782 | $2,288 | $2,539 | $8,447 | $9,132 | $2,556 | $2,588 |
| Nationwide | $2,049 | $2,043 | $1,826 | $1,912 | $4,658 | $5,829 | $2,385 | $2,515 |
| Progressive | $1,787 | $1,625 | $1,552 | $1,596 | $7,649 | $8,443 | $2,139 | $2,034 |
| State Farm | $1,528 | $1,528 | $1,395 | $1,395 | $4,815 | $6,044 | $1,732 | $1,988 |
| Travelers | $1,686 | $1,695 | $1,514 | $1,572 | $4,654 | $5,599 | $1,759 | $1,785 |
| USAA | $1,503 | $1,460 | $1,484 | $1,435 | $4,546 | $4,887 | $1,928 | $2,006 |
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Minimum Car Insurance in Bend, OR
Every driver must carry the minimum car insurance required by the state in Bend, OR. Take a look at the Oregon car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Bend, OR Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bend, OR. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Bend from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,220 | $3,685 | $3,048 |
| American Family | $4,086 | $3,017 | $2,553 |
| Farmers | $3,818 | $3,121 | $2,958 |
| Geico | $3,684 | $3,054 | $2,425 |
| Liberty Mutual | $6,018 | $3,575 | $2,770 |
| Nationwide | $3,507 | $2,782 | $2,417 |
| Progressive | $3,767 | $3,257 | $3,035 |
| State Farm | $3,565 | $2,274 | $1,820 |
| Travelers | $3,173 | $2,479 | $1,948 |
| USAA | $3,597 | $2,015 | $1,607 |
Cheapest Bend, OR Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Bend, OR to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,242 | $4,321 | $4,454 | $3,918 |
| American Family | $2,236 | $3,451 | $4,322 | $2,866 |
| Farmers | $2,783 | $3,583 | $3,505 | $3,326 |
| Geico | $2,016 | $3,204 | $4,214 | $2,784 |
| Liberty Mutual | $3,650 | $4,085 | $4,692 | $4,056 |
| Nationwide | $2,463 | $2,637 | $3,724 | $2,784 |
| Progressive | $2,538 | $4,600 | $3,259 | $3,015 |
| State Farm | $2,267 | $2,954 | $2,496 | $2,496 |
| Travelers | $2,057 | $2,628 | $2,939 | $2,508 |
| USAA | $1,750 | $2,437 | $3,391 | $2,046 |
Cheapest Bend, OR Car Insurance for Teen Drivers
Teen car insurance in Bend, OR can be expensive. Take a look at rates from the top car insurance companies in Bend for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,685 | $8,589 |
| American Family | $5,222 | $8,172 |
| Farmers | $7,524 | $7,672 |
| Geico | $5,865 | $5,356 |
| Liberty Mutual | $8,447 | $9,132 |
| Nationwide | $4,658 | $5,829 |
| Progressive | $7,649 | $8,443 |
| State Farm | $4,815 | $6,044 |
| Travelers | $4,654 | $5,599 |
| USAA | $4,546 | $4,887 |
Cheapest Bend, OR Car Insurance for Seniors
Take a look at Bend, OR rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,415 | $2,438 |
| American Family | $1,889 | $1,889 |
| Farmers | $1,634 | $1,738 |
| Geico | $2,110 | $2,118 |
| Liberty Mutual | $2,288 | $2,539 |
| Nationwide | $1,826 | $1,912 |
| Progressive | $1,552 | $1,596 |
| State Farm | $1,395 | $1,395 |
| Travelers | $1,514 | $1,572 |
| USAA | $1,484 | $1,435 |
Cheapest Bend, OR Car Insurance Rates After a DUI
A DUI in Bend, OR increases car insurance rates. Compare Bend, Oregon car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,454 |
| American Family | $4,322 |
| Farmers | $3,505 |
| Geico | $4,214 |
| Liberty Mutual | $4,692 |
| Nationwide | $3,724 |
| Progressive | $3,259 |
| State Farm | $2,496 |
| Travelers | $2,939 |
| USAA | $3,391 |
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Cheapest Bend, OR Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bend, OR by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,984 | $3,984 |
| American Family | $3,169 | $3,268 |
| Farmers | $3,299 | $3,299 |
| Geico | $3,004 | $3,105 |
| Liberty Mutual | $4,121 | $4,121 |
| Nationwide | $2,902 | $2,902 |
| Progressive | $3,353 | $3,353 |
| State Farm | $2,488 | $2,618 |
| Travelers | $2,433 | $2,633 |
| USAA | $2,337 | $2,475 |
Cheapest Bend, OR Car Insurance Rates by ZIP Code
Bend car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bend, OR.
| ZIP Code | Average Annual Rates |
|---|---|
| 97701 | $2,919 |
| 97702 | $2,947 |
| 97703 | $2,915 |
| 97707 | $3,050 |
The Best Cheap Car Insurance Companies in Bend, OR
Take a look at a side-by-side comparison of the top car insurance companies in Bend, OR to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,984 |
| American Family | $3,219 |
| Farmers | $3,299 |
| Geico | $3,054 |
| Liberty Mutual | $4,121 |
| Nationwide | $2,902 |
| Progressive | $3,353 |
| State Farm | $2,553 |
| Travelers | $2,533 |
| USAA | $2,406 |
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Category Winners: Cheapest Car Insurance in Bend, Oregon
Find the cheapest car insurance companies in Bend, OR for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Bend, OR Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Bend car insurance rates. Find the cheapest Bend, OR car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,858 | $3,975 | $4,119 |
| American Family | $3,205 | $3,402 | $3,049 |
| Farmers | $3,101 | $3,258 | $3,538 |
| Geico | $2,815 | $3,069 | $3,279 |
| Liberty Mutual | $3,878 | $4,110 | $4,374 |
| Nationwide | $2,771 | $2,978 | $2,957 |
| Progressive | $3,243 | $3,338 | $3,478 |
| State Farm | $2,414 | $2,556 | $2,689 |
| Travelers | $2,392 | $2,521 | $2,686 |
| USAA | $2,304 | $2,408 | $2,506 |
What affects car insurance rates in Bend, Oregon?
What are the factors that affect car insurance rates in Bend, OR? There are several reasons why Bend car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bend, Oregon.
Car Theft in Bend
High levels of vehicle theft can make car insurance more expensive. Bend, OR car theft statistics from the FBI indicate 93 vehicle thefts a year.
Commute Time in Bend
The more time you spend in your car the higher the risk of an accident. The average commute length in Bend, OR is 16.1 minutes according to City-Data.
Traffic in Bend
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bend, OR traffic data from INRIX ranks Bend as the 755th-most congested in the world.
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Compare Car Insurance Quotes in Bend, OR
Ready to find affordable Bend, Oregon car insurance today? Enter your ZIP code for fast, free Bend, OR car insurance quotes.
Frequently Asked Questions
What factors can affect car insurance rates in Bend, Oregon?
Several factors can impact car insurance rates in Bend, Oregon. Some of the key factors include your driving record, age, gender, type of vehicle, credit score, location, and the coverage limits you choose. Insurance companies assess these factors to determine the level of risk associated with insuring you, which affects the premium you pay.
How can I find and compare car insurance rates in Bend, Oregon?
To find and compare car insurance rates in Bend, Oregon, you can take the following steps:
- Research insurance companies: Look for reputable insurance companies that provide coverage in Bend, Oregon.
- Gather information: Collect necessary information about your driving history, vehicle details, and desired coverage limits.
- Request quotes: Reach out to multiple insurance companies and request quotes based on the information you provide.
- Compare quotes: Review the quotes you receive, considering both the coverage offered and the premium cost.
- Evaluate additional factors: Besides rates, consider the company’s reputation, customer service, and any available discounts.
- Make an informed decision: Choose the insurance policy that best meets your needs and budget.
Are there any specific car insurance requirements in Bend, Oregon?
Yes, there are specific car insurance requirements in Bend, Oregon. The state of Oregon mandates that all drivers maintain a minimum level of liability insurance coverage. The minimum requirements in Oregon are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
Are there any discounts available that can help lower car insurance rates in Bend, Oregon?
Yes, several discounts are typically available that can help lower car insurance rates in Bend, Oregon. Common discounts include:
- Multi-policy discount: Bundling car insurance with other policies, such as homeowner’s insurance, can often result in a discount.
- Safe driving discount: Maintaining a clean driving record with no accidents or traffic violations may qualify you for a lower rate.
- Good student discount: Full-time students with good academic records can often receive a discount on their car insurance premiums.
- Anti-theft device discount: Installing anti-theft devices in your vehicle may make you eligible for a discount.
- Defensive driving course discount: Completing an approved defensive driving course can sometimes lead to a discount.
Can my credit score impact my car insurance rates in Bend, Oregon?
Yes, your credit score can impact your car insurance rates in Bend, Oregon. Insurance companies often use credit-based insurance scores as one of the factors in determining premiums. Studies have shown a correlation between credit history and insurance risk, which is why your credit score may affect the rates you are offered.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.