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Best cheap car insurance in Bend for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Bend
Bankrate used several variables to find the best car insurance companies in Oregon, including third-party ratings from the 2024 J.D. Power Auto Insurance Study in the Northwest region and the most up-to-date premium data from Quadrant Information Services. You may find it helpful to use our Bankrate Scores to choose a carrier that excels in multiple quality categories. This five-point Score is based on financial strength, coverage options, discounts, average annual premiums, third-party customer satisfaction, and mobile and online accessibility.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: While Geico doesn’t offer the cheapest average rates in Bend, it does have rates that are still below the state average. Geico’s mobile app and online services are easy to use and allow you to make policy changes, report and track claims, chat with a live agent and more. Geico was named one of Bankrate’s best car insurance companies overall and boasts one of our highest Bankrate Scores.
Why Geico may be the best for discount opportunities: Aside from standard discounts for safe driving, Geico offers unique discounts that aren't available with most carriers. You may save up to an additional 15 percent off your policy through affiliation discounts, depending on your state and organization. Federal employees may be eligible for Geicos’s Eagle discount or you could earn a partner discount if you are a member of certain alumni groups or professional organizations.
| Bankrate Score | 4.4 |
| J.D. Power | 797/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: Progressive's average rates are usually well below the state and national averages for car insurance. Bend drivers can find various policy enhancement options, such as loan/lease coverage, rideshare or pet injury coverage.
Why Progressive may be the best for digital tools: From the Name Your Own Price tool to Snapshot rewards, Progressive’s app and online services offer several tools to navigate and modify your policy. Along with being able to make payments on your policy, you can use the carrier's digital tools to file and track your claim, request a tow, and track the driving habits of other drivers on your policy.
| Bankrate Score | 4.4 |
| J.D. Power | 807/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: Bend drivers may find that rates from State Farm are right around the city average, however, drivers who practice safe driving habits may be able to save up to 30 percent with State Farm’s Drive Safe and Save telematics program. State Farm has earned the second-highest J.D. Power ranking score for customer satisfaction in the Northwest region. However, there are only a few optional coverage choices, which may not provide the tailored coverage some Bend drivers might need.
Why State Farm may be the best for local agents: State Farm has nearly 10 local agents in Bend who may be better equipped to help tailor your coverage to the area's unique risk factors. Whether you have a complex change to make to your policy or need to file a claim, having a local agent can offer some drivers peace of mind. For policyholders who prefer to handle their own policy transactions, State Farm also has a mobile app to manage your policy, enroll in telematics for potential policy savings and more.
| Bankrate Score | 4.3 |
| J.D. Power | 821/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Travelers made our list: Travelers may be a good choice if you value the ability to customize your policy with endorsements and discounts. Potential add-ons include roadside assistance, new car replacement and accident forgiveness. There are a dozen discounts available as well, including an early quote discount, driver training discount and a discount if your car is less than three years old.
Why Travelers may be the best for young drivers: Not only does Travelers have rates much lower than the national average, but it tends to offer lower rates for teens and young drivers as well. Additionally, this carrier offers a good student discount to drivers with a grade point average over 3.0 and a discount for completing a certified driver education course. Age restrictions apply to both discounts.
| Bankrate Score | 4.2 |
| J.D. Power | |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: For eligible drivers, USAA offers custom vehicle coverage, which may repair or replace up to $5,000 in custom equipment. You might also save up to 30 percent with its SafePilot telematics program. USAA is known for its customer service; however, due to its eligibility requirements for membership, it doesn’t technically qualify for ranking with J.D. Power.
Why USAA may be the best for military-focused coverage: Only current and past military members and their immediate families are eligible for USAA. If you qualify, you can benefit from options like selecting your own due date, 24/7 customer service and claims, and on-base military discounts.
| Bankrate Score | 4.2 |
| J.D. Power | 875/1,000 |
| AM Best score | A++ |
Bankrate's trusted insurance industry expertise
Read our full methodologyAuto insurance is about more than just financially protecting your vehicle — it is about protecting your financial future as a whole. Between changing regulations and insurance jargon, you need to know where to turn to find trustworthy and easy-to-digest information. Our goal is to give you the tools you need to navigate the world of insurance with confidence.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Bend
Knowing how to get and keep the cheapest car insurance in Bend can help you when shopping for car insurance. The kind of coverage you need greatly influences your rates, and drivers who need full coverage will pay more for insurance. While Oregon insurance law requires drivers to carry at least minimum liability-only coverage, keep in mind that most insurance experts agree that carrying higher levels of liability coverage can offer you more financial protection. Below are the five cheapest auto insurance carriers in Bend based on average minimum coverage rates.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
Oregon Mutual
|
$409
|
$949
|
|
$393
|
$1,045
|
|
|
$502
|
$1,184
|
|
|
Capital
|
$448
|
$1,188
|
|
Mutual of Enumclaw
|
$444
|
$1,206
|
How much is car insurance in Bend, Oregon?
The average cost of car insurance in Bend is $1,708 per year for full coverage, which is 10 percent less than Oregon’s average rate of $1,904 per year. Bend drivers who opt for minimum coverage pay an annual average of $637, — 18 percent less than the state minimum coverage average of $780.
Bend rates for teens
Most insurance companies categorize teen drivers as high-risk due to their inexperience behind the wheel. Teen driving stats show that speeding, distracted driving and inconsistent seatbelt usage can play a significant role in teen car crash fatalities. However, teens can usually save money on car insurance by staying on their parents’ policies for as long as possible before starting their own policies. Those under the age of 18 may have no choice but to be insured on a parent or guardian's policy.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$666
|
$542
|
|
|
Oregon Mutual
|
$740
|
$625
|
|
Mutual of Enumclaw
|
$803
|
$737
|
|
$1,001
|
$857
|
|
|
$1,002
|
$851
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
Oregon Mutual
|
$1,570
|
$1,366
|
|
Mutual of Enumclaw
|
$1,928
|
$1,737
|
|
$2,026
|
$1,608
|
|
|
$2,209
|
$2,156
|
|
|
$2,466
|
$2,146
|
Bend rates for young drivers
Generally, young drivers have more experience on the road than teens, which can afford them lower insurance rates. However, when young drivers move out of their parents’ house, they must typically get their own insurance policies. Without the benefit of their parents' driving history, many young adults still have fairly high insurance premiums.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$569
|
$412
|
|
|
Capital
|
$729
|
$538
|
|
$747
|
$535
|
|
|
$797
|
$462
|
|
|
$1,015
|
$533
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$1,920
|
$1,209
|
|
|
Capital
|
$2,047
|
$1,591
|
|
$2,355
|
$1,700
|
|
|
$2,543
|
$1,731
|
|
|
$2,676
|
$1,469
|
Bend rates for adults
Once drivers are no longer considered youthful operators, they are grouped into risk pools with other drivers who share similar driving characteristics. After the age of 25, you can move into a standard or preferred risk group, or remain in a high-risk group depending on your driving history. The average 30-year-old driver in Bend pays $1,793 per year for full coverage car insurance, while the average 50-year-old pays $1,623. While age can still impact your rate, other risk factors such as occupation and education level may play a stronger role.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$362
|
$388
|
$375
|
|
|
$409
|
$393
|
$373
|
|
|
Oregon Mutual
|
$430
|
$409
|
$380
|
|
Capital
|
$449
|
$448
|
$446
|
|
Mutual of Enumclaw
|
$469
|
$444
|
$423
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
Oregon Mutual
|
$1,000
|
$949
|
$891
|
|
$1,176
|
$1,045
|
$961
|
|
|
$1,251
|
$1,184
|
$1,103
|
|
|
Capital
|
$1,263
|
$1,188
|
$1,159
|
|
$1,267
|
$1,263
|
$1,177
|
Bend rates for senior drivers
Bend drivers may see their rates start to climb again after age 70, which can be challenging when living on a fixed income. Insurance carriers rate for the increased risk of being involved in a car accident due to the potential decline in motor skills and other changes that can happen with age. Many companies offer a discount for drivers who complete a certified senior defensive driving course, and this can help reduce auto insurance premiums.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$343
|
$407
|
|
|
$378
|
$406
|
|
|
Oregon Mutual
|
$380
|
$488
|
|
Mutual of Enumclaw
|
$413
|
$438
|
|
Capital
|
$415
|
$449
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
Oregon Mutual
|
$380
|
$1,127
|
|
$378
|
$1,044
|
|
|
$446
|
$1,163
|
|
|
Mutual of Enumclaw
|
$413
|
$1,104
|
|
Capital
|
$415
|
$1,123
|
The cheapest car insurance in Bend by driving record
Your driving record is one of the most influential factors in your car insurance rate. Drivers with clean records usually pay much less for insurance than drivers with even a single speeding ticket or car accident. One thing to keep in mind is that each insurance company can rate driving activity differently, so if you have an at-fault accident or moving violation on your driving record, shopping around and comparing rates may help you save money.
Car insurance with a speeding ticket in Bend
While speeding can seem like a minor offense, the National Safety Council found that speeding was a factor in 29 percent of car crash fatalities in 2022. Oregon speeding tickets can not only cause you to rack up costly fines, but also increase the rate of your Bend car insurance. On average, Bend drivers with a speeding ticket pay $2,094 per year for full coverage car insurance, which is 23 percent more than the city average for drivers with clean records.
Car insurance after an accident in Bend
Even one at-fault accident can drastically increase your car insurance rates in Oregon. Drivers in Bend pay $2,488 per year for car insurance following an at-fault accident, which is 46 percent more than the city average for drivers with clean records. If you experience a rate increase from a car accident, check with your agent about what discounts could be available to help you offset some of the premium.
Car insurance after a DUII in Bend
Unlike most states that issue DUI violations for driving under the influence, Oregon has driving under the influence of intoxicants (DUII) laws, which encompass drugs, alcohol and other behavior-modifying substances. Insurance companies take DUII violations seriously due to the increased risk of a car accident. If you are charged with a DUII, not only will your car insurance rate increase, but you will likely need to find an insurance company that can file an SR-22 on your behalf so you can regain your driving privileges. Drivers in Bend pay an average of $2,825 per year for full coverage car insurance after a DUII conviction.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$535
|
$1,498
|
|
|
$571
|
$1,381
|
|
|
Capital
|
$634
|
$1,663
|
|
Oregon Mutual
|
$664
|
$1,552
|
|
Mutual of Enumclaw
|
$705
|
$1,964
|
Minimum coverage requirements in Bend
Oregon mandates that drivers carry a certain level of auto insurance coverage for their vehicles to be street-legal. The minimum amount of car insurance required for Bend drivers is:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 in uninsured motorist bodily injury liability per person
- $50,000 in uninsured motorist bodily injury liability per accident
- Personal Injury Protection (PIP): $15,000
While Oregon's minimum coverage amounts are fairly robust, keep in mind that the state required coverage does not offer financial protection for your vehicle if you are at fault for an accident. You may want to consider adding comprehensive and collision coverage to financially protect your car from collisions and other losses, such as fire, theft vandalism and sudden weather-related damage.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
