You have most likely seen the catchy commercials from car insurance companies like Allstate and Liberty Mutual that claim the cheapest rates, so you just need to pick one at random, right?
Unfortunately, it’s just not that easy, as there are a ton of unknown aspects like what level of deductibles you need, your credit rating, and if you need full coverage or just liability, that all have an effect on the price. We know insurance is not everyone’s favorite topic, but in this article we will cover some of these topics and also should give you a good start in finding the cheapest car insurance in Oregon.
One of the many considerations that determine the cost of insurance is where you live in Portland. More populated areas tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.
The following table sorts the most expensive areas in Oregon for felons in which to buy car insurance. Portland makes the list at #2 costing $1,499 for coverage, which is about $125 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,499 |
| 3 | Beaverton | $1,412 |
| 4 | Oregon City | $1,402 |
| 5 | Hillsboro | $1,380 |
| 6 | Lake Oswego | $1,378 |
| 7 | Newberg | $1,364 |
| 8 | Forest Grove | $1,360 |
| 9 | Salem | $1,360 |
| 10 | Tualatin | $1,352 |
| 11 | Aloha | $1,349 |
| 12 | Woodburn | $1,346 |
| 13 | McMinnville | $1,338 |
| 14 | Tigard | $1,322 |
| 15 | Keizer | $1,311 |
| 16 | West Linn | $1,308 |
| 17 | Bend | $1,224 |
| 18 | Redmond | $1,223 |
| 19 | Roseburg | $1,196 |
| 20 | Albany | $1,177 |
| 21 | Springfield | $1,170 |
| 22 | Medford | $1,169 |
| 23 | Corvallis | $1,167 |
| 24 | Grants Pass | $1,156 |
| 25 | Eugene | $1,123 |
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Rates are estimated as specific Portland garaging address can impact coverage prices considerably.
Finding reliable, low-cost car insurance is tough enough, and determining which company quotes the most affordable auto insurance rates for felons will take even more rate comparisons. Each company uses their own formula for determining prices, so let’s take a look at the most budget-friendly auto insurance companies in Portland, OR.
Compare Cheap Insurance Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $687 |
| 2 | Country | $831 |
| 3 | Oregon Mutual | $853 |
| 4 | Travelers | $924 |
| 5 | USAA | $979 |
| 6 | State Farm | $1,061 |
| 7 | GEICO | $1,144 |
| 8 | Allied | $1,167 |
| 9 | Amica | $1,171 |
| 10 | California Casualty | $1,182 |
| 11 | Mutual Enumclaw | $1,188 |
| 12 | Progressive | $1,272 |
| 13 | MetLife | $1,327 |
| 14 | 21st Century | $1,364 |
| 15 | American Family | $1,474 |
| 16 | Encompass | $1,574 |
| 17 | Allstate | $1,705 |
| 18 | Farmers | $1,954 |
| 19 | Safeco | $2,216 |
| 20 | Liberty Mutual | $2,533 |
| Find Cheaper Rates Go | ||
Grange normally has some of the cheapest car insurance rates in Portland at around $687 a year. This is $791 less than the average rate paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA also rank well as some of the lowest-priced Portland, OR insurance companies.
In the rate table above, if you have coverage with Travelers and switched to Grange, you might see a yearly price reduction of around $237. Policyholders with USAA might save as much as $292 a year, and State Farm insureds might lower prices by $374 a year.
To see if your current coverage is too expensive, click here to start a quote or click several companies below for low rates.
Remember that these prices are averages for all drivers and vehicles in Oregon and do not factor in an exact location for felons. So the auto insurance company that fits your needs best may not even be in the top 22 companies in the list above. That is why you need to get quotes using your own driver and vehicle profiles.
The make and model of vehicle on the policy is one of the biggest factors when comparison shopping for the most affordable car insurance for felons. Vehicles with reasonable performance levels, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.
The next table shows coverage premiums for a selection of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,683 |
| Honda CR-V LX 2WD | $1,693 |
| Honda Accord EX 4-Dr Sedan | $1,683 |
| Toyota RAV4 Limited 4WD | $1,735 |
| Dodge Grand Caravan SXT | $1,768 |
| Hyundai Elantra GLS Touring Station Wagon | $1,801 |
| Toyota Corolla LE | $1,826 |
| Chevrolet Malibu LTZ | $1,859 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,866 |
| GMC Sierra SLT Extended Cab 4WD | $1,859 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,895 |
| Honda Civic EX-L 4-Dr Sedan | $1,917 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,972 |
| Toyota Camry Hybrid | $1,983 |
| Jeep Grand Cherokee Laredo 4WD | $1,991 |
| Volkswagen Jetta S 4-Dr Sedan | $1,997 |
| Toyota Camry LE | $1,991 |
| Toyota Prius | $1,999 |
| Ford Explorer Eddie Bauer 4WD | $2,029 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,034 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $2,073 |
| Ford Edge Sport 2WD | $2,095 |
| Honda Odyssey EX-L | $2,100 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific location which can lower or raise prices greatly.
Looking at the rates, we can conclude that models like the Ford Escape, Honda CR-V, and Honda Accord are going to be a few of the cheapest vehicles to insure for felons.
Safe drivers pay cheaper rates
The obvious way to maintain cheap auto insurance prices for felons is to drive attentively and not get tickets or have accidents. The information below illustrates how traffic citations and at-fault claims influence insurance premiums for each age group. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,345. Get written up for one speeding ticket and the average cost increases to $1,517, an increase of $172 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for felons goes up to an average of $3,137. That’s an increase of $1,792, or $149 per month, just for being a careless driver!
Ending up with the best insurance provider can be difficult considering how many choices drivers have in Oregon. The ranking data shown below can help you decide which coverage providers to look at when shopping insurance around for felons.
These ratings include companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for this list. If you’d like to compare prices and find cheaper insurance for felons, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discounts on Portland auto insurance rates
Auto insurance companies that provide coverage for felons may also provide price discounts that can lower rates by as much as 25% or more if you meet specific criteria. Companies and a summarized list of policyholder discounts are outlined below.
- Progressive may include discounts for continuous coverage, good student, online signing, multi-policy, multi-vehicle, homeowner, and online quote discount.
- The Hartford offers discounts for anti-theft, air bag, bundle, good student, and defensive driver.
- Mercury Insurance may have discounts that include good driver, anti-theft, professional/association, accident-free, location of vehicle, good student, and low natural disaster claims.
- GEICO offers discounts including anti-theft, defensive driver, emergency military deployment, driver training, good student, and military active duty.
- AAA discounts include AAA membership discount, education and occupation, multi-car, good driver, multi-policy, and anti-theft.
- State Farm has savings for multiple policy, student away at school, anti-theft, good driver, accident-free, and good student.
The chart below illustrates the comparison of car insurance costs with and without discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, homeowner, claim-free, accident-free, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for felons is 28% or $373.
If you have coverage questions and would like to have some professional guidance when shopping around for cheaper insurance for felons, the agents listed below can most likely provide answers to your questions and help you determine which coverage fits your budget. To find a Portland insurance agent nearest to you, click the link at the bottom or click here to compare price quotes now.
- Roland Havens – State Farm Insurance Agent
6720 NE Glisan St – Portland, OR 97213 – (503) 252-1608 - Allstate Insurance: Dick Hannah Insurance Agency
12345 E Burnside St – Portland, OR 97233 – (360) 816-8439 - H.Q. La – State Farm Insurance Agent
1827 NE 44th Ave #110 – Portland, OR 97213 – (503) 236-3776 - Vu Han – State Farm Insurance Agent
322 NE 82nd Ave – Portland, OR 97220 – (503) 252-1114
View more Portland, OR insurance agencies
How to find cheaper auto insurance for felons
Below you’ll find some thrifty ideas that can help Portland drivers buy cheap coverage.
- Good credit can help you save money
- Raise your physical damage coverage deductibles
- Do not get tickets or violations
- Buy safe vehicles
- Maintain a safe distance and avoid accidents
- Compare rate quotes often
The last item on the list is remarkably important, as we noted in this article. Prices vary greatly, so drivers shouldn’t hesitate to change to a new company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but we do not recommend it if that loyalty ends up costing lots of money. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for felons in Portland.