The words “low-priced” and “auto insurance” probably shouldn’t be used together, in particular when looking for the cheapest auto insurance for government employees. Let’s start off by going over some situations that have an effect on auto insurance rates, and find a few ways to shave a little off your next policy.
One of the many components that determine auto insurance rates is where your car is garaged in Portland. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The following table ranks the most costly cities in Oregon for government employees to purchase auto insurance in. Portland comes in at #2 with an annual rate of $1,499 on average, which is approximately $125 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,499 |
| 3 | Beaverton | $1,412 |
| 4 | Oregon City | $1,402 |
| 5 | Aloha | $1,391 |
| 6 | Hillsboro | $1,380 |
| 7 | Lake Oswego | $1,378 |
| 8 | Tigard | $1,376 |
| 9 | Keizer | $1,365 |
| 10 | West Linn | $1,362 |
| 11 | Salem | $1,360 |
| 12 | Forest Grove | $1,347 |
| 13 | Woodburn | $1,346 |
| 14 | Newberg | $1,337 |
| 15 | Tualatin | $1,299 |
| 16 | McMinnville | $1,286 |
| 17 | Bend | $1,236 |
| 18 | Redmond | $1,210 |
| 19 | Grants Pass | $1,191 |
| 20 | Albany | $1,188 |
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Premium amounts are estimated as vehicle location can impact insurance rates considerably.
The vehicle model you are trying to insure is a significant factor when comparison shopping for the cheapest car insurance for government employees. Vehicles with reasonable performance levels, a plethora of safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The data below showcases coverage rates for a handful of the most affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,431 |
| Toyota Prius | $1,584 |
| Ford Escape XLS 2WD | $1,617 |
| Chevrolet Impala LT | $1,689 |
| Ford F-150 XLT Regular Cab 2WD | $1,714 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,749 |
| Honda Odyssey LX | $1,776 |
| Nissan Rogue S AWD | $1,811 |
| GMC Sierra SLT Extended Cab 4WD | $1,813 |
| Toyota Tacoma 4WD | $1,819 |
| Dodge Ram Quad Cab ST 4WD | $1,843 |
| Chevrolet Malibu Hybrid | $1,851 |
| Jeep Grand Cherokee Laredo 4WD | $1,860 |
| Volkswagen Jetta S 4-Dr Sedan | $1,851 |
| Ford Edge Limited 2WD | $1,862 |
| Ford Focus S 4-Dr Sedan | $1,869 |
| Ford Explorer Limited AWD | $1,889 |
| Chevrolet Silverado Crew Cab Hybrid 2WD | $1,905 |
| Toyota RAV4 Sport 4WD | $1,914 |
| Kia Optima EX | $1,934 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,944 |
| Dodge Grand Caravan SXT | $1,945 |
| Hyundai Elantra SE 4-Dr Sedan | $1,994 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in zip code location which can alter premium rates noticeably.
Based upon the rates shown, we can expect cars like the Honda CR-V, Toyota Prius, Ford Escape, and Chevrolet Impala are most likely going to be the most economical vehicles to insure for state and federal workers.
Establishing which company has the cheapest insurance rates for government employees involves a little more sweat in order to find the lowest price.
Every auto insurer has a proprietary method to set their prices, so let’s take a look at the insurance companies with the overall cheapest rates in Portland, OR. Keep in mind that Portland insurance rates are impacted by many things which can substantially change the price of your policy. Simply turning a year older, moving across town, or getting a speeding ticket can trigger price changes that can cause some rates to be cheaper than competitors.
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Grange generally has some of the best car insurance rates in Portland at around $694 per year. Country, Oregon Mutual, USAA, and Travelers also qualify as some of the cheapest Portland, OR insurance companies.
In the rate table above, if you have coverage with Country and switched to Grange, you might see annual savings of approximately $128. Insureds with Oregon Mutual might save as much as $150 a year, and USAA insureds might lower prices by $247 a year.
Be aware that those premium estimates are averages for all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for government employees. So the company that can offer you the best rate may not even be in the top 22 companies shown above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.
The chart below shows how different deductible levels can affect insurance rates when researching cheap insurance for government employees. The price estimates are based on a married male driver, full coverage, and no additional discounts are factored in.
The data above shows that a 40-year-old driver could reduce rates by $300 a year by increasing from a $100 deductible to a $500 deductible, or save $454 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, can save $1,012 or more just by choosing larger deductibles.
When choosing a higher deductible, it will be important to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Get discount Portland auto insurance
Car insurance companies that offer cheap quotes for government employees may provide policy discounts that could lower prices by 30% or more if you meet specific criteria. Companies and their possible discounts are shown below.
- Progressive has discounts for online quote discount, continuous coverage, online signing, homeowner, and good student.
- MetLife offers discounts including good driver, multi-policy, accident-free, claim-free, good student, defensive driver
- Mercury Insurance has savings for multi-car, anti-theft, accident-free, type of vehicle, ease of repair, and age of vehicle.
- Nationwide discounts include defensive driving, easy pay, anti-theft, good student, and Farm Bureau membership.
- GEICO may offer discounts for seat belt use, anti-theft, multi-vehicle, good student, membership and employees, and daytime running lights.
- AAA offers discounts for pay-in-full, AAA membership discount, good student, anti-theft, and education and occupation.
The illustration below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no violations or claims, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, marriage, multiple policy, accident-free, claim-free, and anti-theft discounts applied. When discounts are applied, the average amount saved each year on insurance for government employees is 28% or $417.
Irresponsible driving raises your rates
In a perfect world, the ideal way to obtain low insurance prices in Portland for state and federal workers is to be a cautious driver and avoid traffic citations and accidents. The illustration below demonstrates how speeding tickets and accidents can impact premium costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,814. Get written up for one speeding ticket and the average cost jumps to $2,050, an increase of $236 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of insurance for government employees jumps again to an average of $2,697. That’s an increase of $883, or $74 per month, just for not being attentive to the road!