Over 3,000,000 licensed drivers live in Oregon. The average annual cost for car insurance is $510 for minimum coverage and $1,234 per year for full coverage. Hermiston drivers spend less than the national average, with around 3.2 million cars on Oregon roads.
Many drivers are looking for the best car insurance companies with the lowest rates. We can help you compare quotes, coverages and discounts.
The best car insurance companies Hermiston
We looked at a variety of factors when deciding on the best Hermiston car insurance companies. These included market share, third-party rankings and customer satisfaction. To compare average rates, we also used 2021 rate data provided by Quadrant Information Services. These companies stood out with their high ranking and many options for drivers.
|Insurance company||J.D. J.D.||Minimum coverage: Average annual premium||For full coverage, the average annual premium|
|Geico||834 / 1000||$446||$1,317|
|Oregon Mutual||Not rated||$319||$729|
|Progressive||821 / 1000||$462||$1,072|
|USAA||883 / 1000||$444||$1,024|
Geico, which insures 10.4% of Oregon’s drivers, is the third-largest insurer in Oregon. Geico is one of the most popular insurers in the nation and offers many options for coverage and discounts. This includes coverage for drivers who are on-demand and for people traveling to Mexico.
The J.D. The J.D. Power 2020 U.S Auto Insurance Satisfaction Study places the Northwest region in second with 834 points. For purchase experience, Geico also ranks second in the Large Insurers category of the U.S. Insurance Shopping Study. Geico’s auto claims satisfaction is below average. However, it has one of the best-ranked mobile apps for car insurers.
Small insurer Oregon Mutual can be your regional choice if you prefer to be known than just a number when it comes to car insurance. Despite its size, it is not eligible for the J.D. Oregon Mutual is a top-rated car insurance company based on its wide range of coverages, discounts, and child safety seat replacement, vehicle upgrade, and bundle discounts that allow for even more savings.
Oregon Mutual also has the lowest average car insurance rates in our “best of” category. Oregon Mutual is a strong contender for Hermiston drivers, with excellent financial strength that can pay out claims and zero consumer complaints made to the NAIC by 2020.
Although you will not be able to get Flo as your personal agent, you can still have coverages such as custom parts, deductible savings banks, gap insurance, and rideshare coverage with progressive if applicable. With 16.2% market share, the company is Oregon’s second-largest insurer.
Progressive is rated average in the Northwest for auto insurance satisfaction, but is listed a few more points below the average for purchase experience by the J.D. Power study. It has a below-average ranking for auto claim satisfaction. However, it has 4.7 stars with consumers advocate. Most complaints to the BBB concern billing and product issues.
USAA has been ranked #1 in customer satisfaction across all three J.D. Although it has been covered by military families for many years, it is not eligible to be ranked. It’s no surprise that USAA is ranked #7 in market share with 6.4% coverage, thanks to its four military bases.
USAA offers many of same policies as the largest car insurance companies, including discounts for military personnel such as vehicle storage or military installation discounts. USAA has a higher than average 1.85 complaint index with NAIC, mixed reviews online for claim and customer satisfaction.
Cheapest car insurance in Hermiston
The average cost of car insurance in Hermiston is $510 per annum for minimum liability-only coverage, and $1,234 for full coverage. This is lower than the Oregon average of $610 and $1.346, respectively. Hermiston rates are also lower than the national average cost for car insurance at $565 and $1674 per annum.
We used the same criteria to find the cheapest car insurers in Hermiston. However, we focused more on price, coverages, and discounts. To determine which Hermiston car insurance company is the most affordable, we reviewed the top-rated carriers based upon Oregon’s market share.
Travelers offers the lowest car insurance rates, both for full and liability coverage. The best option for discount is Travelers, which keeps rates as low as possible in Hermiston. Nationwide offers the next lowest rates and offers a variety of discounts. These include affiliation discounts and SmartMiles. This program is for those who don’t drive a lot and only need to pay for a limited amount.
|Insurance company||Minimum coverage: Average annual premium||For full coverage, the average annual premium|
|All over the country||$426||$940|
Hermiston insurance requirements
Oregon has minimum coverage requirements, similar to most other states in the U.S.
- Bodily Injury: $25,000 per Person, $50,000 per Accident
- Property damage: $20,000 per accident
- Personal Injury Protection: $15,000 Per Person
- Uninsured motorist: $25,000. Per person. $50,000 per accident.
While it may be tempting to save money by using state minimums, some prefer higher financial protection limits. Your $20,000 property damage limit will not be sufficient to cover damage to a car that has been totaled at $25,000. If you financed the car or leased it, some lenders may require complete coverage.
Car insurance discounts in Hermiston
By taking advantage of discounts, drivers in the Beaver State can get low rates on their car insurance. These are some of the factors that have a significant impact on your rates.
- Anti-theft device. A steering wheel lock, kill switch or GPS tracker can deter theft and may offer you a discount on your car insurance.
- Defensive Driving Course Senior Drivers over 55 years old may enroll in a state-approved safety class to receive a discount on their car insurance.
- Multiple policy discount: This discount is one of the most popular offered by car insurance companies. It allows you to bundle your car with other insurance policies, such as home, life, and other.
- Safe driver discount: Avoiding accidents and tickets is a great way of saving money on your car insurance. As long as you maintain a clean driving record for the past five years.
Questions frequently asked
Which is the best Hermiston car insurance company?
The best insurance company for one person may be different from another. Consider financial strength, customer satisfaction and claims process, as well as coverage options, to find the best insurance company for you.
What amount of car insurance do you need in Hermiston
It all depends on who is purchasing car insurance. Experts agree that higher liability limits will help protect your finances in the event of an accident. If you don’t have your car or can’t afford to repair it, you may need to add full coverage.