Finding good, affordable insurance is not always easy, and determining which insurers offer the most affordable auto insurance rates for infrequent drivers will require even more rate comparisons.
Every auto insurer uses different criteria to establish rates, so let’s rank the auto insurance companies that tend to have lower prices in Portland. It’s important to know that Portland auto insurance rates are determined by lots of factors that will increase or decrease the price you have to pay. Improving your credit rating, getting married, or getting a DUI can trigger price changes that can make some companies higher-priced than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $694 |
| 2 | Oregon Mutual | $844 |
| 3 | Country | $847 |
| 4 | Travelers | $914 |
| 5 | USAA | $970 |
| 6 | State Farm | $1,071 |
| 7 | Amica | $1,137 |
| 8 | GEICO | $1,190 |
| 9 | California Casualty | $1,194 |
| 10 | Mutual Enumclaw | $1,212 |
| 11 | Allied | $1,215 |
| 12 | Progressive | $1,272 |
| 13 | MetLife | $1,340 |
| 14 | 21st Century | $1,350 |
| 15 | American Family | $1,431 |
| 16 | Encompass | $1,574 |
| 17 | Allstate | $1,654 |
| 18 | Farmers | $1,935 |
| 19 | Safeco | $2,238 |
| 20 | Liberty Mutual | $2,458 |
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Grange may have some of the lowest car insurance rates in Portland at around $694 annually. This is $784 less than the average rate paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are also some of the lowest-priced Portland, OR insurance companies.
In this example, if you buy coverage from USAA and switched to Oregon Mutual, you might achieve savings of in the neighborhood of $126. Customers with State Farm might save as much as $227 a year, and Amica customers might reduce prices by as much as $293 a year.
It’s important to note that these rates are averages for all drivers and vehicles and and are not figured with a specific location for infrequent drivers. So the insurer that is best for you may not even be in the top 22 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
For low mileage drivers, one of the big things that help determine the amount you pay each year for auto insurance is where you live. Areas with more people or even just a higher incidence of claims will most likely pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.
The table below rates the highest-priced places in Oregon for infrequent drivers to purchase a policy in. Portland makes the list at #2 with an annual rate of $1,529 for the average insured, which is about $127 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Gresham | $1,558 |
| 2 | Portland | $1,529 |
| 3 | Lake Oswego | $1,420 |
| 4 | Aloha | $1,405 |
| 5 | Forest Grove | $1,401 |
| 6 | Woodburn | $1,400 |
| 7 | Oregon City | $1,388 |
| 8 | Hillsboro | $1,380 |
| 9 | Newberg | $1,377 |
| 10 | Beaverton | $1,356 |
| 11 | Tualatin | $1,352 |
| 12 | Tigard | $1,336 |
| 13 | Keizer | $1,325 |
| 14 | Salem | $1,320 |
| 15 | West Linn | $1,308 |
| 16 | McMinnville | $1,299 |
| 17 | Redmond | $1,247 |
| 18 | Bend | $1,188 |
| 19 | Albany | $1,177 |
| 20 | Springfield | $1,170 |
| 21 | Medford | $1,169 |
| 22 | Roseburg | $1,150 |
| 23 | Grants Pass | $1,145 |
| 24 | Corvallis | $1,132 |
| 25 | Eugene | $1,123 |
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Premium costs are comparative as the specific geographic location can influence rates greatly.
Impact of careless driving on Portland auto insurance rates
The common sense way to get affordable auto insurance rates in Oregon for low mileage drivers is to be a cautious driver and avoid traffic citations and accidents. The chart below shows how violations and at-fault fender-benders can impact insurance premiums for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of car insurance in Oregon per year with a clean driving record and no accidents is $2,284. Receive two speeding tickets and the average cost rises to $3,028, an increase of $745 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for infrequent drivers goes up to an average of $5,753. That’s an increase of $3,469, or $289 per month, just for being a less-than-perfect driver!
The diagram below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when searching for cheap insurance for infrequent drivers. Data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 30-year-old driver could pocket $252 a year by changing from a $100 deductible to a $500 deductible, or save $382 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, can cut as much as $542 every year by choosing a larger deductible amount.
When using a larger deductible, it is necessary to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Don’t make the mistake of not shopping around
Portland auto insurance rates are influenced by many factors which can substantially change the price you have to pay. Improving your credit rating, having a teenage driver, or getting a speeding ticket may generate price changes that may make certain companies more affordable than the competition.
In addition to those changes, auto insurance companies amend premium rates without warning in order to maintain liquidity for claims. An unexpected high level of claims can result in price increases, while a lower level of claims can result in lower-priced Portland car insurance rates.
As an example, the chart below shows which companies have the cheapest car insurance in Portland, OR for a 45-year-old male driver with a clean driving record, no accidents, and good credit. If we look at prices based on his personal risk profile, Grange may offer the cheapest car insurance rates in Portland at $983 each year. This is $495 less than the average price paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are also on the list of the cheapest Portland, OR auto insurance companies.
Now let’s give the driver in the first example a claim or two, bad credit, and a speeding ticket. Since each company has their own unique process for determining prices, analyzing rates will most likely result in a substantially altered list of the cheapest companies as shown below.
Oregon Mutual now has the lowest price in Portland, OR with GEICO, Country, Amica, and Allied now rounding out the top five. This example demonstrates why consumers need to compare many different companies to find cheap car insurance quotes for infrequent drivers.
Insurance prices consist of many factors and change frequently, so the most economical company the last time you compared rates may now be priced much higher than other options.
If you like to have a professional recommendation when shopping for the best coverage for low mileage drivers, the agencies below are willing to help you determine which insurance coverage will be best for you. To find a Portland insurance agent close to where you live, click the link after the list.
- Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601 - Allstate Insurance: Damian Gobel
1511 SE 122nd Ave – Portland, OR 97233 – (503) 255-3490 - Steve Ching – State Farm Insurance Agent
1018 NW 13th Ave – Portland, OR 97209 – (503) 222-7771