Bend, Oregon, is a mountain town. New and out-of-state drivers should exercise caution while navigating around the high-elevation streets, especially in the winter, when up to 30″ of snow is typical. In the event of an accident, car insurance is required by law. It would be wise to have the best Bend, Oregon car insurance. The average cost of car insurance is quite affordable in Bend. Bankrate’s study revealed that the average rate for basic coverage is $532 and full coverage is $1,240.
You may be happy to hear that we found carriers with even lower rates than the typical car insurance Bend sees. Our research shows that the providers have a good reputation for offering excellent customer service, a fast claims process, and a wide range of discounts and policy options.
The best car insurance companies Bend
After analyzing nearly 20 carriers, we narrowed the list of best and cheapest car insurance in Bend to just four. J.D. rates only Travelers Insurance. J.D. Power publishes highly-respected studies on customer satisfaction. This does not mean that other carriers are not performing well in customer service. They are smaller regional carriers and did not rank in the larger study.
We were unable to find customer satisfaction ratings for smaller carriers so we relied on factors such as average price, coverage options and discount availability.
QBE
QBE offers the lowest average car insurance in Bend, if you need minimum coverage. The town’s average annual premium of $532 per annum is $354, but the monthly premium of $354 is well below it. Car insurance is affordable because basic coverage costs $30 per month. QBE also offers full coverage for a low price. This carrier charges the second-lowest monthly premiums, on average $80 per month for full coverage.
Oregon Mutual
Oregon Mutual offers full car insurance at an average rate of $791 per year. Full coverage adds additional protection to your vehicle, in addition to the liability coverage that a minimum policy provides. Although full coverage can increase the cost of car insurance by up to $350 per annum, it may be worth the added security of knowing that your car will be repaired or replaced if you are involved in an accident.
Travelers
Travelers Insurance is our only choice for the best Bend car insurance. Its unique coverages and low rates make it a strong contender. Accident forgiveness can help keep your car insurance premiums down. Your rates will not rise if you are involved in an accident once every few years. You can also save a lot of hassles by adding new car replacement to your full coverage if your vehicle is totaled. Travelers Insurance will cover the cost of replacing the vehicle that was damaged.
Capital
Capital Insurance Group (CIG), prides itself on offering customized car insurance that includes many options and add-ons. CIG is a good choice if you want to customize your insurance package beyond a standard policy. Capital’s mobile app is a great way to manage your policy. Review your policy, do research about available options, make payments, and file/track claims.
Bend has the lowest car insurance
Oregon’s average car insurance rates are $579/$1,363 for minimum and full insurance coverage. Bend’s average car insurance rate is $532/$1,240. However, there are many national carriers that operate in the area.
On average, Traveler’s Insurance in Bend is the cheapest car insurance. USAA is close behind, but coverage is not available to military personnel or their families. State Farm is a local carrier that has offices and agents in the area. But, don’t discount Nationwide or Progressive. They both offer a strong mobile app that allows you to manage the majority of your insurance needs digitally.
Bend insurance requirements
According to Oregon’s DMV, all drivers in Bend — and Oregon — must have liability insurance, at the very least, to drive legally. Minimum requirements are:
- $25,000 per person, $50,000 per accident for bodily injury liability
- $20,000 for property liability
- Personal Injury Protection of $15,000 Per Person
- Uninsured motorist coverage up to $25,000 per person, $50,000 per accident for bodily injuries
Oregon’s requirements are much more extensive than those of other states. If you are leasing or financing a vehicle, the minimum coverages may not suffice. Full car insurance may be required to cover your vehicle’s damages and losses.
Bend offers car insurance discounts
You may be able to save more on your coverage even if you select the most expensive car insurance company in Bend. These are some of the most sought-after:
- Safety equipment for vehiclesYou may be eligible for a discount if your car has tech like accident prevention or driver assistance.
- TelematicsYou can save money on your premiums by registering for driver tracking via an app. This is based on how safe you drive.
- Low mileageDriving less can help reduce your car insurance costs. You can also lower your chances of being in an accident.
- BundlingBundling vehicle coverage is a great way to lower your overall premiums, whether you have homeowners or renters insurance.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance companies in Bend all have low rates and high customer satisfaction, but the best one for you depends on what you are looking for and what quotes you receive.
What is the cost of car insurance in Bend, Oregon?
Bend’s average car insurance cost is $532/$1,240, for both minimum and complete coverage. The state averages are $579/$1,363.
What amount of car insurance do you need in Bend
Oregon has higher car insurance requirements than any other state. Liability coverage must cover $25,000 in bodily injuries per person, $50,000 in bodily Injury per accident, and $20,000 in property damage per accident. Uninsured motorist bodily injuries insurance is also required at $25,000 per person and $50,000 per incident.